本文關(guān)鍵詞：銀行風(fēng)險(xiǎn)為本反洗錢(qián)監(jiān)管對(duì)策研究　出處：《華中科技大學(xué)》2012年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：反洗錢(qián)與反恐怖融資是近年來(lái)國(guó)際社會(huì)普通關(guān)注的熱點(diǎn)問(wèn)題。我國(guó)自反洗錢(qián)工作全面開(kāi)展以來(lái)，經(jīng)過(guò)幾年的努力，反洗錢(qián)工作成效顯著，并獲得國(guó)際社會(huì)的認(rèn)可。 隨著洗錢(qián)手法的不斷演化和我國(guó)金融機(jī)構(gòu)及金融業(yè)務(wù)的迅猛發(fā)展，監(jiān)管資源相對(duì)有限、金融機(jī)構(gòu)合規(guī)成本增加等矛盾日益突出。同時(shí)出于遵循國(guó)際標(biāo)準(zhǔn)、適應(yīng)國(guó)際反洗錢(qián)新形勢(shì)的要求，我國(guó)開(kāi)始了基于風(fēng)險(xiǎn)的反洗錢(qián)工作改革，，并進(jìn)行了大量的工作嘗試。如何探索建立適合我國(guó)國(guó)情的風(fēng)險(xiǎn)為本反洗錢(qián)監(jiān)管機(jī)制，如何全面有效推進(jìn)風(fēng)險(xiǎn)為本反洗錢(qián)監(jiān)管是現(xiàn)階段的反洗錢(qián)重點(diǎn)工作。 本文對(duì)國(guó)際、國(guó)內(nèi)反洗錢(qián)監(jiān)管的主要形勢(shì)，風(fēng)險(xiǎn)為本反洗錢(qián)監(jiān)管原則和原理進(jìn)行了基本分析，闡述了開(kāi)展風(fēng)險(xiǎn)為本反洗錢(qián)監(jiān)管的必然性和必要性。同時(shí)分別對(duì)湖北省轄內(nèi)銀行機(jī)構(gòu)推行反洗錢(qián)工作方法和監(jiān)管單位開(kāi)展風(fēng)險(xiǎn)為本監(jiān)管實(shí)踐現(xiàn)狀和問(wèn)題進(jìn)行了系統(tǒng)分析，在分析的基礎(chǔ)上，指出實(shí)施法人監(jiān)管模式下的分層監(jiān)管是實(shí)現(xiàn)全面有效推進(jìn)風(fēng)險(xiǎn)為本反洗錢(qián)監(jiān)管的有效途徑，并針對(duì)風(fēng)險(xiǎn)為本監(jiān)管實(shí)踐中存在的問(wèn)題提出建立風(fēng)險(xiǎn)為本反洗錢(qián)制度體系、實(shí)行反洗錢(qián)崗位準(zhǔn)入機(jī)制、根據(jù)洗錢(qián)類(lèi)型報(bào)送可疑交易、構(gòu)建信息共享平臺(tái)等其他對(duì)策。 本文的核心部分包括設(shè)計(jì)了法人監(jiān)管下的分層監(jiān)管并提出了其他全面有效推進(jìn)分風(fēng)險(xiǎn)為本反洗錢(qián)監(jiān)管的建議和對(duì)策。其中在分層監(jiān)管設(shè)計(jì)中，充分結(jié)合風(fēng)險(xiǎn)為本監(jiān)管程序，分別對(duì)金融機(jī)構(gòu)法人機(jī)構(gòu)和分支機(jī)構(gòu)的風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)評(píng)估和風(fēng)險(xiǎn)管理進(jìn)行了探討，為推廣法人監(jiān)管模式下的分層監(jiān)管提供了基礎(chǔ)性的依據(jù)。
[Abstract]:Anti-money laundering and anti-terrorist financing are hot issues of international concern in recent years. Since the anti-money laundering work has been carried out in an all-round way, after several years of efforts, anti-money laundering work has achieved remarkable results. And the recognition of the international community. With the continuous evolution of money laundering techniques and the rapid development of financial institutions and financial business in China, regulatory resources are relatively limited, financial institutions compliance costs increase and other contradictions become increasingly prominent. At the same time, to comply with international standards. In order to meet the requirements of the new international anti-money laundering situation, China has started the reform of anti-money laundering based on risk, and has made a lot of efforts. How to explore how to establish a risk-oriented anti-money laundering regulatory mechanism suitable for the national conditions of our country. How to effectively promote the risk-based anti-money-laundering supervision is the key work of anti-money-laundering at this stage. In this paper, the international and domestic anti-money laundering supervision of the main situation, risk-based anti-money-laundering supervision principles and principles are analyzed. This paper expounds the inevitability and necessity of carrying out risk-based anti-money laundering supervision. At the same time, it makes a detailed analysis of the present situation and problems of the practice of carrying out the anti-money laundering work method and the risk oriented supervision practice in the banking institutions under the jurisdiction of Hubei Province. General analysis. On the basis of the analysis, it is pointed out that the implementation of hierarchical supervision under the mode of legal person supervision is an effective way to comprehensively and effectively promote risk-oriented anti-money laundering supervision. Aiming at the problems existing in the practice of risk-based supervision, this paper puts forward the establishment of risk-based anti-money laundering system, the implementation of anti-money laundering post access mechanism, and the reporting of suspicious transactions according to the type of money-laundering. Build information sharing platform and other countermeasures. The core part of this paper includes the design of hierarchical supervision under the supervision of legal persons and put forward other comprehensive and effective suggestions and countermeasures to promote risk-based anti-money-laundering supervision. In this paper, the risk identification, risk assessment and risk management of corporate and branch institutions of financial institutions are discussed. It provides the basic basis for promoting the hierarchical supervision under the legal person supervision mode.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.1

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