个人银行结算账户粗放式管理下潜在的洗钱风险及对策

发布时间：2018-04-30 17:02

本文选题：个人 + 账户　；参考：《上海金融》2012年06期

【摘要】：个人银行结算账户使用自由、方便、不受限制,不仅可用于各种性质资金的收支和款项划转,甚至能够用于各类金融产品的投融资活动。由于银行对个人银行结算账户的管理粗放,使大量投融资、生产经营性资金自由进入该类账户,不仅影响了正常的税收、统计、支付等管理秩序,同时也极大地增加了个人银行结算账户被用于洗钱的风险。本文从其粗放式管理的现状、存在洗钱风险的隐患入手,深入分析原因,并提出对策建议,以供参考。
[Abstract]:Individual bank settlement account is free to use, convenient, unrestricted, not only can be used for all kinds of nature of income and expenditure and transfer of funds, even can be used in all kinds of financial products investment and financing activities. Due to the extensive management of individual bank settlement accounts by banks, a large number of investments and financing and the free entry of productive and operating funds into such accounts not only affect the normal management order of taxation, statistics, and payments, It also greatly increases the risk that individual bank accounts will be used for money laundering. Based on the present situation of extensive management and the hidden trouble of money laundering risk, this paper analyzes the reasons, and puts forward some countermeasures and suggestions for reference.
【作者单位】：中国人民银行南平市中心支行;
【分类号】：F832.2

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