JS银行SH分行反洗钱内控管理制度设计
发布时间：2019-01-12 19:52
【摘要】：洗钱在现阶段已经成为一个全球性的问题,对世界经济的有效运转有着极大的破坏性,对全球范围内各个国家的经济、金融秩序以及社会稳定构成危害。它的存在不仅阻碍了金融体系的正常运转,而且对金融体系基础构架也产生严重破坏。随着金融全球化的发展,洗钱行为的危害性也逐步扩散,从而引起各国监管部门的重视。许多国家开始将洗钱行为认定为刑事犯罪,并建立专门的监管部门,对洗钱行为进行严格的监管,严厉打击洗钱犯罪行为。从国际上洗钱行为的方式来看,大多通过商业银行进行枢纽,因此,需要对商业银行进行严格的监管,不仅需要外部监管机构的监管约束,商业银行更应该建立内部管控机制,加强自身的反洗钱管控,因此,对商业银行的反洗钱内控管理进行研究有助于推动我国商业银行的完善发展和遏制洗钱行为。本文从商业银行反洗钱内控管理制度的现状出发,结合国内外研究概况与发展趋势,从商业银行反洗钱内控管理制度的现有框架角度出发对反洗钱内控管理制度的现状进行论述及分析。同时通过运用文献研究法、比较分析法、层次分析法对JS银行SH分行的反洗钱内控管理进行分析,揭示了JS银行SH分行现有反洗钱内控管理制度存在的不足和缺陷,并以我国现有反洗钱法等相关法律法规要求以及风险为本作为准绳,从KYC的角度提升可疑交易及反洗钱非现场监管数据报送质量、并以提升对洗钱行为的管控力度和效果为目标,不断完善商业银行的反洗钱内部控制机制。通过对已有客户信息的分级完善,加强对客户身份的识别功能,增加强化尽职调查的调查内容及要素、针对新开展的自贸区业务加强监管措施并设计自贸区客户专用的强化尽职调查表、完善可疑交易监测模型、梳理行内反洗钱工作的整体操作流程、将履行JS银行反洗钱义务和尽职减责考核落实到具体的部门和负责人等方面来设计JS银行SH分行的反洗钱内控管理制度。最后总结全文,得出结论和展望。
[Abstract]:Money laundering has become a global problem at the present stage, which is extremely destructive to the effective operation of the world economy and endangers the economic, financial order and social stability of every country in the world. Its existence not only hindered the normal operation of the financial system, but also caused serious damage to the financial system infrastructure. With the development of financial globalization, the harmfulness of money laundering is spreading gradually. Many countries began to recognize money laundering as a criminal offence, and set up a special supervision department to strictly supervise money laundering and crack down on the crime of money laundering. Looking from the way of money laundering behavior in the world, most of them carry on the hub through the commercial banks. Therefore, it is necessary to strictly supervise the commercial banks, not only the supervision and restraint of the external regulatory bodies, but also the establishment of the internal control mechanism of the commercial banks. Therefore, the study on the internal control of anti-money laundering in commercial banks is helpful to promote the development of commercial banks in China and to curb the behavior of money laundering. Based on the present situation of the internal control and management system of anti-money laundering in commercial banks, this paper combines the general situation of domestic and foreign research and the development trend. This paper discusses and analyzes the present situation of anti-money laundering internal control management system from the point of view of the existing framework of commercial bank anti-money laundering internal control management system. At the same time, by using the method of literature research, comparative analysis and analytic hierarchy process, this paper analyzes the internal control management of anti-money laundering in SH Branch of JS Bank, and reveals the shortcomings and defects of the existing internal control management system of anti-money laundering in SH Branch of JS Bank. Taking the relevant laws and regulations such as the existing anti-money laundering law and other relevant laws and regulations and the risk as the yardstick to improve the quality of the off-site data reporting for suspicious transactions and anti-money laundering from the perspective of KYC. Aiming at improving the control and effect of money laundering, the internal control mechanism of anti-money laundering in commercial banks is improved continuously. By improving the classification of existing customer information, strengthening the function of customer identity identification, and increasing the content and elements of the due diligence investigation, Aiming at the newly developed free trade area business, we should strengthen the supervision measures, design the special intensive due diligence questionnaire for the free trade area customers, perfect the suspicious transaction monitoring model, and sort out the whole operation flow of the anti-money laundering work in the industry. In order to design the anti-money laundering internal control management system of SH Branch of JS Bank, it is necessary to carry out the duty of anti-money laundering and the duty abatement examination of JS bank into specific departments and responsible persons. Finally, the paper summarizes the full text, draws conclusions and prospects.
【学位授予单位】：武汉纺织大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
本文编号：2408130
[Abstract]:Money laundering has become a global problem at the present stage, which is extremely destructive to the effective operation of the world economy and endangers the economic, financial order and social stability of every country in the world. Its existence not only hindered the normal operation of the financial system, but also caused serious damage to the financial system infrastructure. With the development of financial globalization, the harmfulness of money laundering is spreading gradually. Many countries began to recognize money laundering as a criminal offence, and set up a special supervision department to strictly supervise money laundering and crack down on the crime of money laundering. Looking from the way of money laundering behavior in the world, most of them carry on the hub through the commercial banks. Therefore, it is necessary to strictly supervise the commercial banks, not only the supervision and restraint of the external regulatory bodies, but also the establishment of the internal control mechanism of the commercial banks. Therefore, the study on the internal control of anti-money laundering in commercial banks is helpful to promote the development of commercial banks in China and to curb the behavior of money laundering. Based on the present situation of the internal control and management system of anti-money laundering in commercial banks, this paper combines the general situation of domestic and foreign research and the development trend. This paper discusses and analyzes the present situation of anti-money laundering internal control management system from the point of view of the existing framework of commercial bank anti-money laundering internal control management system. At the same time, by using the method of literature research, comparative analysis and analytic hierarchy process, this paper analyzes the internal control management of anti-money laundering in SH Branch of JS Bank, and reveals the shortcomings and defects of the existing internal control management system of anti-money laundering in SH Branch of JS Bank. Taking the relevant laws and regulations such as the existing anti-money laundering law and other relevant laws and regulations and the risk as the yardstick to improve the quality of the off-site data reporting for suspicious transactions and anti-money laundering from the perspective of KYC. Aiming at improving the control and effect of money laundering, the internal control mechanism of anti-money laundering in commercial banks is improved continuously. By improving the classification of existing customer information, strengthening the function of customer identity identification, and increasing the content and elements of the due diligence investigation, Aiming at the newly developed free trade area business, we should strengthen the supervision measures, design the special intensive due diligence questionnaire for the free trade area customers, perfect the suspicious transaction monitoring model, and sort out the whole operation flow of the anti-money laundering work in the industry. In order to design the anti-money laundering internal control management system of SH Branch of JS Bank, it is necessary to carry out the duty of anti-money laundering and the duty abatement examination of JS bank into specific departments and responsible persons. Finally, the paper summarizes the full text, draws conclusions and prospects.
【学位授予单位】：武汉纺织大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
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