我国商业银行反洗钱工作问题与对策研究

发布时间：2018-01-11 02:22

本文关键词：我国商业银行反洗钱工作问题与对策研究　出处：《北京交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着国际社会洗钱犯罪的蔓延趋势,全球金融业正面临着日益严峻的洗钱风险。商业银行作为现代社会资金存放、流转、融通的主渠道,是整个洗钱链条中的重要环节。我国商业银行的反洗钱工作起步相对较晚,虽然在反洗钱制度建设、机构设置、案件调查等方面取得了一定成绩,但在多方面因素的制约下,其工作效果与国际先进银行相比仍存在较大差距。我国商业银行由于职责定位不清、目标和手段不匹配等原因,致使反洗钱成本投入与产出之间的矛盾日益突出,反洗钱工作不但未能有效发挥遏制洗钱犯罪的效果,反而成了商业银行应付监管部门制度要求的“累赘”。2012年,中国人民银行针对当前反洗钱工作中暴露的问题,提出了全面推行“风险为本”的反洗钱工作思路。面对工作理念的调整,如何及时调整反洗钱工作重心,实施“风险为本”的反洗钱工作措施,已经成为我国银行业反洗钱管理亟需探讨的重要内容。本文主要指出当前我国商业银行反洗钱工作存在的问题及原因,阐述了推进“风险为本”的反洗钱工作思路的必要性及现实意义,并在分析国内外反洗钱工作理念及具体措施基础上,就我国商业银行落实“风险为本”提出对策和建议。首先,本文介绍了洗钱犯罪的基本概念以及我国洗钱犯罪的主要特征。其次,分析了商业银行反洗钱工作的主要思路和具体方法,阐述了我国商业银行反洗钱体系在内控机制与具体实践方式中存在的问题和原因。最后,在现状问题原因分析以及成本效益分析的基础上,通过对照国外先进经验,提出了在我国实施“风险为本”反洗钱工作理念的具体方法与应对反洗钱现状问题的策略。
[Abstract]:With the spreading trend of the crime of money laundering in the international community, the global financial industry is facing the increasingly serious risk of money laundering. Commercial banks are the main channels for the deposit, circulation and financing of funds in modern society. It is an important link in the whole chain of money laundering. The anti-money laundering work of commercial banks in China started relatively late, although it has made certain achievements in the construction of anti-money laundering system, the establishment of institutions, the investigation of cases and so on. However, under the restriction of many factors, there is still a big gap between the effect of its work and that of international advanced banks. The contradiction between the cost input and output of anti-money laundering is becoming more and more prominent because of the unclear duty orientation, the mismatch between the target and the means, and so on. Anti-Money-Laundering work has not only failed to effectively control the effect of money laundering, but also has become a "burden" for commercial banks to cope with the requirements of the regulatory system. 2012. In view of the problems exposed in the current anti-money laundering work, the people's Bank of China has put forward an overall "risk-based" anti-money laundering work train of thought. In the face of the adjustment of the working concept, how to adjust the focus of anti-money laundering work in a timely manner. Carrying out risk-based anti-money-laundering measures has become an important content of anti-money-laundering management in China's banking industry. This paper mainly points out the existing problems and reasons of anti-money laundering work of commercial banks in our country, and expounds the necessity and practical significance of promoting "risk-based" anti-money laundering work. And on the basis of analyzing the domestic and foreign anti-money laundering work idea and concrete measure, put forward the countermeasure and suggestion to our country's commercial bank to carry out "risk-based". This paper introduces the basic concept of money laundering crime and the main characteristics of money laundering crime in China. Secondly, it analyzes the main ideas and specific methods of anti-money laundering work of commercial banks. This paper expounds the problems and causes of anti-money laundering system in China's commercial banks in the internal control mechanism and the specific practice. Finally, on the basis of the analysis of the reasons of the current situation and the cost-benefit analysis. By comparing the advanced experience of foreign countries, this paper puts forward the concrete methods of implementing the idea of "risk-based" anti-money laundering in our country and the strategies to deal with the current situation of anti-money laundering.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.1

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