深化金融改革下的温州地区反洗钱制度优化和监管

发布时间：2018-07-11 21:52

本文选题：金融改革 + 反洗钱　；参考：《西北大学》2016年硕士论文

【摘要】：从各国反洗钱的经验来看,金融领域最容易为犯罪分子所利用。本论文基于国内外反洗钱理论,结合温州地区政府反洗钱制度发展现状和问题,并以温州银行为例,分析反洗钱制度建设不足的现状。基于制度内容优化,从“了解你的客户”、可疑交易的识别和报告、特殊账户活动的监控、内部控制程序等四个方面,对温州银行反洗钱制度进行优化,本文研究有利于加强温州银行反洗钱工作,更对温州地区其他金融机构反洗钱制度的设计优化提供了一个良好的借鉴,研究具有十分重要的理论意义和现实意义。本文研究主要包含以下几个方面：第一章国内外研究综述,对国内外反洗钱制度设计的相关理论进行综述,梳理研究成效和不足,探索本文研究的立足点。第二章洗钱与反洗钱理论研究,对洗钱概念与特点、洗钱手段与过程、洗钱的危害、利用银行渠道洗钱的形式、我国洗钱的发展与演变、政府监管干预的必要性等进行阐述,对反洗钱的概念、国际反洗钱监管制度组成、国际反洗钱的合作组织、我国反洗钱发展与现状进行介绍。第三章温州银行反洗钱制度现状。对温州银行及其反洗钱现状进行概况,探索温州银行反洗钱制度存在的问题,即反洗钱宣传工作不到位、缺乏专业的反洗钱工作人员、反洗钱工作人员素质偏低、没有建立健全的可疑交易标准、反洗钱制度建设存在漏洞、现代电子商务环境对银行反洗钱工作的挑战,反洗钱预防和控制上存在不足。第四章温州银行反洗钱案例分析,介绍反洗钱的案件,阐述洗钱手法,进行案后思考和启示。第五章国外先进经验的学习与借鉴,对欧美发达国家银行、亚洲发达国家银行反洗钱状况进行阐述,梳理国外反洗钱先进经验带来的启示,即对客户进行充分了解,从源头排除嫌疑,加快银行反洗钱内部控制制度的建设,加强对高风险客户的客户尽职调查和资金监测,对银行柜面人员进行反洗钱培训。第六章温州银行反洗钱制度的改进与建议,即一是健全完善相关制度,完善内部控制机制；二是推进以风险管理为本的监管制度,包含健全“了解你的客户’制度、“特殊账户活动的监控”制度、“可疑交易的识别和报告”制度；三是完善反洗钱监管与激励约束条款；四是逐步建立预防性的内部控制程序,包含加强对内部控制各环节关键要素的监控,建立银行内部反洗钱工作记录保留机制,设立反洗钱专业岗位,明确岗位职责,加强员工反洗钱知识教育和培训,营造良好的反洗钱制度建设环境。
[Abstract]:From countries anti-money laundering experience, the financial field is most easily used by criminals. Based on the theory of anti-money laundering at home and abroad, combined with the current situation and problems of Wenzhou government anti-money laundering system, and taking Wenzhou Bank as an example, this paper analyzes the current situation of the insufficient construction of anti-money laundering system. Based on the content optimization of the system, this paper optimizes the anti-money laundering system of Wenzhou Bank from four aspects: "know your customers", identify and report suspicious transactions, monitor special account activities, and control internal procedures. The research in this paper is helpful to strengthen the anti-money laundering work of Wenzhou bank and provide a good reference for the design and optimization of anti-money laundering system of other financial institutions in Wenzhou area. The research has very important theoretical and practical significance. This paper mainly includes the following aspects: the first chapter summarizes the domestic and foreign research, summarizes the domestic and foreign anti-money laundering system design related theories, combs the research results and deficiencies, and explores the foothold of this study. The second chapter discusses the concept and characteristics of money laundering, the means and process of money laundering, the harm of money laundering, the forms of money laundering through bank channels, the development and evolution of money laundering in China, and the necessity of government supervision and intervention. This paper introduces the concept of anti-money laundering, the composition of international anti-money laundering supervision system, the international anti-money-laundering cooperation organization, and the development and present situation of anti-money laundering in china. The third chapter is the current situation of Wenzhou bank anti-money laundering system. This paper makes a general survey of Wenzhou Bank and its anti-money laundering status, and explores the problems existing in Wenzhou bank's anti-money laundering system, that is, the lack of anti-money laundering propaganda, the lack of professional anti-money laundering staff, and the low quality of anti-money laundering staff. There are no perfect standards for suspicious transactions, loopholes exist in the construction of anti-money laundering system, the challenge of modern electronic commerce environment to the anti-money laundering work of banks, and the deficiency of prevention and control of anti-money laundering. Chapter four analyzes the case of Wenzhou bank, introduces the case of anti-money laundering, expounds the methods of money laundering, thinks and enlightens after the case. The fifth chapter studies and draws lessons from the advanced experience of foreign countries, expounds the anti-money laundering situation of the banks of developed countries in Europe and the United States, and the banks of Asian developed countries, and combs the enlightenment brought by the advanced experience of foreign anti-money laundering, that is, to fully understand the customers. Removing suspects from the source, speeding up the construction of the internal control system of bank anti-money laundering, strengthening the customer due diligence and fund monitoring of high-risk customers, and carrying out anti-money laundering training for bank teller personnel. The sixth chapter is about the improvement and suggestion of Wenzhou bank's anti-money laundering system, that is, to perfect the relevant system, perfect the internal control mechanism, and promote the risk management-based supervision system, which includes the "know your customer" system. The system of "monitoring of special account activities", the system of "identification and reporting of suspicious transactions"; the third, the improvement of anti-money laundering supervision and regulations, and the fourth, the gradual establishment of preventive internal control procedures, Including strengthening the monitoring of key elements of internal control, establishing internal anti-money laundering work record retention mechanism, establishing anti-money laundering professional posts, clarifying post responsibilities, strengthening staff anti-money laundering knowledge education and training, To create a good anti-money laundering system construction environment.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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