互联网金融洗钱识别与风险防范研究
发布时间：2018-09-19 16:50
【摘要】：互联网金融自2013年进入快速发展期,并在金融改革趋势的推动下呈现出迅猛发展的情形。当前互联网金融已经成为金融界持续关注的焦点,并由于其多方面的优势,被社会各界普遍接受。但不容忽视的是,法律层面风险、货币政策风险、网络技术风险也不断涌现出来。互联网金融与生俱来的复杂性、隐蔽性、多变性等特征使其成为洗钱风险的高发区,严重危害着经济金融秩序的正常有序运行。近几年利用P2P网贷平台进行非法集资及通过第三方支付平台清洗不法资金案件频发,进一步拉响加强金融监管的预警信号。当前对互联网金融洗钱的防范及打击仍处于起步阶段,关于法律法规完善、协助机制开展、责任体系建设等重点领域和关键环节的研究并不充分,在某些环节还十分薄弱甚至存在空白。在这种大环境下,对互联网金融洗钱行为进行分析识别、对防范洗钱风险和打击洗钱活动进行研究就显得十分必要和紧迫。本文在学习总结相关文献研究的基础上,基于对第三方支付平台、P2P网贷平台、众筹平台等基础调研,运用案例分析法和对比分析法,总结了实际发生的互联网金融洗钱的4个典型案例特点,深入剖析相关洗钱案例核心内容,查找分析洗钱风险产生的多方面原因。本文依托金融改革研究,深入分析有关问题,认真归纳4种典型案例,总结分析4种共性问题,并结合法律建设、金融监管、风险防控等防范体系的构建思路进行充分的论证分析,得出相关的结论。本文认真研究分析互联网金融洗钱的特点、行为方式及产生互联网金融洗钱的多方面原因,按照基础数据收集、现有案例剖析、资金监测重点、风险识别分析等思路,有效借鉴国外防范金融洗钱的经验做法,研究构建互联网金融洗钱风险防范体系,并围绕法律层面、监管层面、工作层面、责任层面、社会层面等研究方向进行深入思考。
[Abstract]:Internet finance has entered a period of rapid development since 2013, and has developed rapidly under the impetus of financial reform. At present, Internet finance has become the focus of financial circles, and because of its advantages in many aspects, it is generally accepted by all walks of life. However, it can not be ignored that legal level risk, monetary policy risk, network technology risk also emerges constantly. The inherent complexity, concealment and variability of Internet finance make it a high risk area for money laundering, which seriously endangers the normal and orderly operation of economic and financial order. In recent years, the use of P2P network loan platform for illegal fund-raising and through the third party payment platform to clean illegal funds cases frequently, and further sound the early warning signal to strengthen financial supervision. At present, the prevention and crackdown on Internet financial money laundering is still in its infancy. The research on the key areas and key links, such as the perfection of laws and regulations, the development of assistance mechanism, the construction of responsibility system, etc., is not sufficient. In some links are still very weak or even blank. In this environment, it is very necessary and urgent to analyze and identify the Internet financial money laundering, to prevent the risk of money laundering and to combat the money laundering. On the basis of studying and summarizing relevant literature, based on the investigation of third-party payment platform, P2P network loan platform and crowdfunding platform, this paper uses case analysis method and comparative analysis method. This paper summarizes the characteristics of four typical cases of Internet finance money laundering, deeply analyzes the core contents of relevant money laundering cases, and finds out the various reasons for the risk of money laundering. Based on the research of financial reform, this paper deeply analyzes relevant problems, sums up four typical cases, sums up and analyzes four common problems, and combines legal construction and financial supervision. The construction idea of risk prevention and control system is fully demonstrated and analyzed, and relevant conclusions are drawn. This paper studies and analyzes the characteristics, behavior patterns and various causes of Internet financial money laundering, according to the basic data collection, existing case analysis, fund monitoring focus, risk identification and analysis, etc. Based on the experience and practice of preventing financial money laundering in foreign countries, this paper studies and constructs the risk prevention system of Internet financial money laundering, and deeply thinks about the legal level, the supervision level, the work level, the responsibility level, the social level and so on.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832
本文编号：2250733
[Abstract]:Internet finance has entered a period of rapid development since 2013, and has developed rapidly under the impetus of financial reform. At present, Internet finance has become the focus of financial circles, and because of its advantages in many aspects, it is generally accepted by all walks of life. However, it can not be ignored that legal level risk, monetary policy risk, network technology risk also emerges constantly. The inherent complexity, concealment and variability of Internet finance make it a high risk area for money laundering, which seriously endangers the normal and orderly operation of economic and financial order. In recent years, the use of P2P network loan platform for illegal fund-raising and through the third party payment platform to clean illegal funds cases frequently, and further sound the early warning signal to strengthen financial supervision. At present, the prevention and crackdown on Internet financial money laundering is still in its infancy. The research on the key areas and key links, such as the perfection of laws and regulations, the development of assistance mechanism, the construction of responsibility system, etc., is not sufficient. In some links are still very weak or even blank. In this environment, it is very necessary and urgent to analyze and identify the Internet financial money laundering, to prevent the risk of money laundering and to combat the money laundering. On the basis of studying and summarizing relevant literature, based on the investigation of third-party payment platform, P2P network loan platform and crowdfunding platform, this paper uses case analysis method and comparative analysis method. This paper summarizes the characteristics of four typical cases of Internet finance money laundering, deeply analyzes the core contents of relevant money laundering cases, and finds out the various reasons for the risk of money laundering. Based on the research of financial reform, this paper deeply analyzes relevant problems, sums up four typical cases, sums up and analyzes four common problems, and combines legal construction and financial supervision. The construction idea of risk prevention and control system is fully demonstrated and analyzed, and relevant conclusions are drawn. This paper studies and analyzes the characteristics, behavior patterns and various causes of Internet financial money laundering, according to the basic data collection, existing case analysis, fund monitoring focus, risk identification and analysis, etc. Based on the experience and practice of preventing financial money laundering in foreign countries, this paper studies and constructs the risk prevention system of Internet financial money laundering, and deeply thinks about the legal level, the supervision level, the work level, the responsibility level, the social level and so on.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832
【引证文献】
相关硕士学位论文 前1条
1 崔婉君;第三方支付风险及监管研究[D];安徽大学;2017年
，本文编号：2250733
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