【摘要】：隨著網(wǎng)絡通信技術(shù)的不斷發(fā)展，作為金融衍生工具之一的網(wǎng)絡支付工具開始逐漸成為網(wǎng)絡洗錢的重要媒介。網(wǎng)絡的繁榮促進了金融等相關產(chǎn)業(yè)的發(fā)展，但其隱蔽性、虛擬性、匿名性和跨國性等特點提供了全新的洗錢渠道，給洗錢犯罪分子提供了極大的便利，，使洗錢活動變得更加隱蔽和復雜，同時也給防范、控制和偵察洗錢犯罪帶來了很多障礙。近年來，我國各家商業(yè)銀行紛紛大力發(fā)展網(wǎng)上銀行業(yè)務，呈現(xiàn)出井噴式的發(fā)展趨勢。而隨著信息技術(shù)的進步和產(chǎn)品的創(chuàng)新，網(wǎng)上銀行業(yè)務不斷完善，業(yè)務量持續(xù)增加，怎樣在持續(xù)穩(wěn)健的發(fā)展網(wǎng)上銀行業(yè)務的同時，防范打擊利用網(wǎng)上銀行業(yè)務洗錢等非法犯罪行為，已成為廣大金融機構(gòu)迫切需要解決的問題。本文根據(jù)網(wǎng)上銀行反洗錢風險的特點，運用風險管理理論，對網(wǎng)上銀行反洗錢的風險進行研究。主要通過理論與實踐相結(jié)合方法對網(wǎng)上銀行反洗錢風險進行辨識，提出了對網(wǎng)上銀行反洗錢風險具有建設性的風險防范對策，即在技術(shù)層面上制定了系統(tǒng)高可用性應急計劃，建立完善的內(nèi)部程序和技術(shù)防范措施，定期對科技信息進行評估；在業(yè)務層面上，建立網(wǎng)上銀行反洗錢風險內(nèi)部控制體系，明確責任，規(guī)避法律風險，制定危機管理對策，降低聲譽風險。 本文對網(wǎng)上銀行反洗錢風險進行了全面的分析評價，提出具有建設性意義的風險防范對策，以期增強網(wǎng)上銀行反洗錢風險管理能力，使其風險管理水平提升到一個新的高度。通過深入研究網(wǎng)上銀行反洗錢風險管理的問題，對于促進我國商業(yè)銀行完善網(wǎng)上銀行反洗錢風險管理體系有一定的借鑒意義。
[Abstract]:With the development of network communication technology, the network payment instrument, which is one of the financial derivatives, is becoming an important medium of network money laundering. The prosperity of the network has promoted the development of the related industries such as finance, but it provides a brand-new money-laundering channel, such as the concealment, the virtual nature, the anonymity and the transnational nature, and provides great convenience to the money-laundering criminals, so that the money-laundering activities become more hidden and complex, and at the same time, The control and detection of money-laundering offences have caused a number of obstacles. In recent years, the commercial banks of our country have made great efforts to develop online banking business, and present the development trend of well-run. With the progress of the information technology and the innovation of the product, the online banking business is continuously improved, the business volume is continuously increased, and the illegal criminal act such as the money-laundering of the online banking business can be prevented while the online banking business is continuously and steadily developed, It has become an urgent problem to be solved by the financial institutions. This paper, based on the characteristics of the risk of anti-money laundering of online banking, uses the risk management theory to study the risk of anti-money laundering of online banking. Through the combination of the theory and practice, the anti-money laundering risk of the online banking is recognized, and a constructive risk prevention countermeasure for the anti-money laundering risk of the online bank is put forward, namely, a system high-availability emergency plan is developed at the technical level, Establish perfect internal procedures and technical prevention measures, and regularly evaluate the scientific and technical information; at the operational level, establish the internal control system of online banking anti-money laundering risk, clear the responsibilities, avoid the legal risk, formulate the crisis management countermeasure, and reduce the reputation risk. This paper makes a comprehensive analysis and evaluation of the risk of anti-money laundering of online banking, and puts forward the countermeasures of risk prevention with a constructive meaning, in order to enhance the risk management ability of the anti-money laundering of the online banking, and to improve the risk management level to a new high level. On the basis of deep study on the risk management of anti-money laundering of online banking, it will be useful to promote the development of the risk management system of anti-money laundering in China's commercial banks.
【學位授予單位】：云南師范大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2

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