YC银行反洗钱合规管理优化研究

发布时间：2018-07-17 07:49

【摘要】：洗钱原指把黑钱洗白。随着经济的发展,现在的洗钱指的是其延伸意思,一般指洗钱人员在已经知道是犯罪所得及通过犯罪所得而取得的收益,还通过各种方法掩饰和隐瞒犯罪所得及其收益的来源和性质的犯罪行为。9.11事件的发生,使洗钱的外延延伸至资助恐怖融资的行为(即恐怖融资)。随着世界经济一体化、信息化、金融国际化步伐的加快,洗钱行为对社会的危害日益显著。它扰乱了一国经济和金融安全、有序的发展,给金融机构的声誉带来威胁,金融机构稳健经营的基石也被破坏,从而严重影响了整个社会的正常发展。金融机构作为社会资金流通的总枢纽,被越来越多的洗钱活动所运用,商业银行在金融机构中占据主题地位,因此,商业银行在反洗钱工作中发挥着主体作用。近年来,反洗钱合规管理在防范和控制洗钱风险中发挥着指引性作用,逐渐被世界各国银行业重视和应用。商业银行将反洗钱内控体系建设、及早防范和控制洗钱交易、提高自身抵抗洗钱风险的能力等工作作为反洗钱合规管理工作的重点。国内银行业反洗钱工作起步于改革开放后,普遍较晚,鉴于国内经济及商业银行发展的实际情况,我国商业银行迫切需要研究和解决以下问题:(1)建设符合自身特点的反洗钱内控合规文化。(2)建立健全商业银行行之有效的反洗钱合规管理体系。(3)通过借鉴国外先进的反洗钱经验及监测技术建设和完善符合国内商业银行自身特点的反洗钱管理系统。本文研究的YC银行是成立较晚的大型零售商业银行,其定位是服务社区、服务中小企业、服务“三农”,目标是为中国经济转型中最具活力的客户群体提供优质服务。本文将重点分析研究YC银行反洗钱合规管理现状,指出其在反洗钱内控合规建设中存在的几个问题,并分析问题产生的原因,进而从组织机构与人员配置、反洗钱制度体系、账户交易监测机制、激励约束机制、内控合规文化及反洗钱系统等方面对反洗钱合规管理工作提出优化方案和保障措施,旨在不断提高YC银行反洗钱合规管理水平,以助其长期稳健发展。
[Abstract]:Money laundering used to mean laundering black money. With the development of the economy, money laundering now refers to its extension, which generally refers to the proceeds of crime and the proceeds obtained by the money launderers who have already known that they are the proceeds of crime. Also through various methods to conceal and conceal the proceeds of crime and the origin and nature of the crime of the occurrence of the incident .9.11, so that the extension of money-laundering to the financing of terrorist financing (that is, terrorist financing). With the integration of the world economy, information technology and the acceleration of the pace of financial internationalization, the harm of money laundering to the society is becoming more and more significant. It disturbs a country's economy and financial security, orderly development, brings threat to the reputation of financial institutions, the cornerstone of financial institutions' steady operation is also destroyed, which seriously affects the normal development of the whole society. As the general hub of social capital circulation, financial institutions are used by more and more money laundering activities, and commercial banks occupy a thematic position in financial institutions. Therefore, commercial banks play a major role in anti-money laundering work. In recent years, anti-money laundering compliance management plays a guiding role in preventing and controlling the risk of money laundering. The construction of anti-money laundering internal control system, the early prevention and control of money laundering transactions and the improvement of their ability to resist the risk of money laundering are the key points of anti-money laundering compliance management. Domestic banking anti-money laundering work started after the reform and opening up, generally late, in view of the domestic economic and commercial bank development of the actual situation, China's commercial banks urgently need to study and solve the following problems: (1) to build a compliance culture of internal control of anti-money laundering in accordance with their own characteristics; (2) to establish and improve the effective compliance management system of commercial banks against money laundering; (3) to learn from the advanced foreign countries. Anti-money-laundering experience and monitoring technology construction and improvement of domestic commercial banks own characteristics of anti-money laundering management system. YC Bank is a large retail commercial bank which was established later in this paper. Its orientation is to serve the community, serve small and medium-sized enterprises, and serve the "three rural areas", with the aim of providing high quality services to the most dynamic customer groups in China's economic transformation. This paper will focus on the analysis of YC bank anti-money laundering compliance management status, points out its anti-money laundering compliance in the construction of several problems, and analyzes the causes of the problem, and then from the organizational structure and staffing, anti-money laundering system, Account transaction monitoring mechanism, incentive and restraint mechanism, internal control compliance culture, anti-money laundering system and other aspects of anti-money laundering compliance management to put forward optimization programs and safeguards, in order to continuously improve YC bank anti-money laundering compliance management level, To help its long-term steady development.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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