A商业银行反洗钱风险评估与管控策略研究
发布时间：2018-07-27 20:11
【摘要】：随着经济的发展,洗钱活动日益猖獗,犯罪分子利用银行洗清非法资金,扰乱了金融秩序,危及金融安全与宏观经济政策的实施,对社会安定和自身发展伤害巨大。银行业是打击洗钱犯罪的主战场,应当树立与机构规模、业务风险相适应的反洗钱风险管控措施,有效履职反洗钱法律义务。但在实际工作中部分商业银行还存在着反洗钱管理履职不到位、制度不健全等现象,与国内外高压的反洗钱监管形势违背。识别评估商业银行反洗钱风险,提出有针对性的反洗钱管控策略,有助于商业银行建立健全反洗钱机制,有效履行反洗钱法律义务,对社会安定和自身发展都具有着积极深远的意义。本文以A商业银行为研究对象,采用文献研究法、个案研究法以及定性分析和定量分析相结合的方法对于其反洗钱风险进行研究。首先对相关概念进行了解释,并对国内外关于反洗钱风险评估、银行反洗钱管控的相关研究进行文献综述。其次分析A商业银行反洗钱风险及管控现状,找出A银行反洗钱管控存在问题。从内部环境风险、客户与产品业务风险、控制措施效果风险、内部管理监督风险四个方面对A银行的反洗钱风险进行识别,具体风险源为:管理机制风险、高管履职风险、组织架构风险、客户风险、产品风险等。基于A银行反洗钱风险源构建的反洗钱风险评估体系,划分内部环境、客户与产品业务、控制措施效果、内部管理监督四个风险评估单元,与风险源相应构建17个评估指标,根据反洗钱工作实践分解为56个分类指标。运用层次分析法,经过各个指标归一化、指标权重设定、A银行总体反洗钱风险量化三个步骤进行度量,最终得分为72.26分,A银行具有较高反洗钱风险,其中内部环境、控制措施效果、内部管理监督风险较高,客户与产品业务方面风险等级适中。最后根据反洗钱风险评估分析结果,提出A银行反洗钱管控策略,主要分为强化内控环境控制、细化客户与产品业务洗钱风险管理、加强控制措施效果管理、提升内部管理监督四个部分。
[Abstract]:With the development of economy, money laundering is increasingly rampant. Criminals use banks to clear out illegal funds, disturb the financial order, endanger the implementation of financial security and macroeconomic policies, and do great harm to social stability and their own development. The banking industry is the main battlefield of fighting against money laundering crime. It is necessary to set up anti-money laundering risk control measures in accordance with the scale of the organization and the business risk, and effectively fulfill the legal obligation of anti-money laundering. But in the actual work, some commercial banks still have some phenomena, such as the anti-money laundering management is not in place, the system is not perfect, and so on, which is contrary to the situation of high-pressure anti-money laundering supervision at home and abroad. Identifying and evaluating the risk of anti-money laundering of commercial banks and putting forward targeted anti-money laundering control strategies will help commercial banks to establish and improve anti-money laundering mechanism and effectively fulfill the legal obligations of anti-money laundering. It is of great significance to social stability and self-development. This article takes A commercial bank as the research object, uses the literature research method, the case study method and the qualitative analysis and the quantitative analysis unifies the method to carry on the research to its anti-money laundering risk. First of all, the related concepts are explained, and the domestic and foreign research on anti-money laundering risk assessment and bank anti-money laundering control are reviewed. Secondly, it analyzes the risk of anti-money laundering and the current situation of control in A commercial bank, and finds out the existing problems in anti-money laundering. From four aspects of internal environmental risk, customer and product business risk, control measures effect risk, internal management supervision risk, the anti-money laundering risk of Bank A is identified. The specific risk sources are: management mechanism risk, executive performance risk, Organizational structure risk, customer risk, product risk, etc. The risk assessment system of anti-money laundering based on A bank's anti-money laundering risk source is divided into internal environment, customer and product business, effect of control measures, internal management supervision, four risk assessment units, and 17 evaluation indexes corresponding to risk source. According to the practice of anti-money laundering, it is decomposed into 56 classification indexes. By using the Analytic hierarchy process (AHP), after normalization of each index, the index weight is set up to measure the overall anti-money laundering risk of Bank A. The final score is 72.26 minutes and A Bank has a higher risk of anti-money laundering, in which the internal environment, Control effect, high risk of internal management and supervision, moderate risk level of customer and product business. Finally, according to the results of anti-money laundering risk assessment, the paper puts forward the anti-money laundering control strategy of Bank A, which includes strengthening the internal control environment control, refining the money laundering risk management of customer and product business, and strengthening the effect management of control measures. Enhance the four parts of internal management supervision.
【学位授予单位】：西安理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
本文编号：2149004
[Abstract]:With the development of economy, money laundering is increasingly rampant. Criminals use banks to clear out illegal funds, disturb the financial order, endanger the implementation of financial security and macroeconomic policies, and do great harm to social stability and their own development. The banking industry is the main battlefield of fighting against money laundering crime. It is necessary to set up anti-money laundering risk control measures in accordance with the scale of the organization and the business risk, and effectively fulfill the legal obligation of anti-money laundering. But in the actual work, some commercial banks still have some phenomena, such as the anti-money laundering management is not in place, the system is not perfect, and so on, which is contrary to the situation of high-pressure anti-money laundering supervision at home and abroad. Identifying and evaluating the risk of anti-money laundering of commercial banks and putting forward targeted anti-money laundering control strategies will help commercial banks to establish and improve anti-money laundering mechanism and effectively fulfill the legal obligations of anti-money laundering. It is of great significance to social stability and self-development. This article takes A commercial bank as the research object, uses the literature research method, the case study method and the qualitative analysis and the quantitative analysis unifies the method to carry on the research to its anti-money laundering risk. First of all, the related concepts are explained, and the domestic and foreign research on anti-money laundering risk assessment and bank anti-money laundering control are reviewed. Secondly, it analyzes the risk of anti-money laundering and the current situation of control in A commercial bank, and finds out the existing problems in anti-money laundering. From four aspects of internal environmental risk, customer and product business risk, control measures effect risk, internal management supervision risk, the anti-money laundering risk of Bank A is identified. The specific risk sources are: management mechanism risk, executive performance risk, Organizational structure risk, customer risk, product risk, etc. The risk assessment system of anti-money laundering based on A bank's anti-money laundering risk source is divided into internal environment, customer and product business, effect of control measures, internal management supervision, four risk assessment units, and 17 evaluation indexes corresponding to risk source. According to the practice of anti-money laundering, it is decomposed into 56 classification indexes. By using the Analytic hierarchy process (AHP), after normalization of each index, the index weight is set up to measure the overall anti-money laundering risk of Bank A. The final score is 72.26 minutes and A Bank has a higher risk of anti-money laundering, in which the internal environment, Control effect, high risk of internal management and supervision, moderate risk level of customer and product business. Finally, according to the results of anti-money laundering risk assessment, the paper puts forward the anti-money laundering control strategy of Bank A, which includes strengthening the internal control environment control, refining the money laundering risk management of customer and product business, and strengthening the effect management of control measures. Enhance the four parts of internal management supervision.
【学位授予单位】：西安理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
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