B银行反洗钱集中处理模式研究

发布时间：2018-10-09 18:04

【摘要】：近年来,国际、国内反洗钱形势愈加严峻,监管部门提出反洗钱由“规则为本”向“风险为本”转变的工作理念,对金融机构反洗钱工作提出了更加严苛的要求。同时,防范洗钱风险也成为金融机构加强内部控制,强化风险管理,保持合规经营的内在要求。在践行风险为本反洗钱工作原则的道路上,各商业银行陆续开始进行反洗钱集中处理的探索。B银行通过改革反洗钱工作组织架构,重塑反洗钱工作流程,完善反洗钱内部控制机制等措施,实现了反洗钱工作由分散处理向集中处理的转变。本文在对目前B银行反洗钱集中处理模式现状广泛调研的基础上,学习借鉴国内外先进银行的反洗钱工作经验,深入梳理、分析B银行反洗钱工作中存在的问题及原因,针对不足提出完善组织架构、优化集中处理流程、完善内控机制的合理化建议,并就理顺职责分工、风险评估结果运用、信息系统建设、合规文化建设方面提出保障措施,帮助B银行加强全面风险管理,完善内控机制,提高风险防范能力。
[Abstract]:In recent years, the international and domestic anti-money laundering situation is becoming more and more serious. The regulatory department put forward the work concept of anti-money laundering changing from "rules-based" to "risk-based", and put forward more stringent requirements for anti-money laundering work of financial institutions. At the same time, preventing the risk of money laundering has become an inherent requirement for financial institutions to strengthen internal control, strengthen risk management and maintain compliance. On the way of practicing the risk-based anti-money laundering principle, the commercial banks have begun to explore the centralized anti-money laundering handling. Bank B has reformed the organization structure of anti-money laundering work and reshaped the anti-money laundering work flow. Measures such as perfecting the internal control mechanism of anti-money laundering have changed the anti-money laundering work from decentralized to centralized. On the basis of extensive investigation on the current situation of the centralized anti-money laundering processing mode of Bank B, this paper studies and draws lessons from the experience of the advanced banks at home and abroad in anti-money laundering work, and analyzes the problems and reasons in the anti-money laundering work of Bank B. Aiming at the shortcomings, the paper puts forward some reasonable suggestions on how to perfect the organizational structure, optimize the centralized processing process, perfect the internal control mechanism, and put forward some safeguard measures for straightening out the division of duties, the application of risk assessment results, the construction of information system, and the construction of compliance culture. Help B Bank to strengthen the overall risk management, improve the internal control mechanism, improve the ability of risk prevention.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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