本文關(guān)鍵詞： 銀行 反洗錢 問(wèn)題 對(duì)策　出處：《山西財(cái)經(jīng)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：洗錢是經(jīng)濟(jì)領(lǐng)域的嚴(yán)重犯罪,同時(shí)與其他犯罪活動(dòng)相交織,對(duì)國(guó)家政治、經(jīng)濟(jì)和社會(huì)安全構(gòu)成嚴(yán)重威脅。在經(jīng)濟(jì)領(lǐng)域,銀行成為社會(huì)資金運(yùn)動(dòng)的中樞,在促進(jìn)經(jīng)濟(jì)發(fā)展的同時(shí),也常常被犯罪分子利用進(jìn)行洗錢及其他犯罪活動(dòng)。縱觀國(guó)內(nèi)外洗錢案例,絕大多數(shù)洗錢犯罪是通過(guò)銀行提供的支付或其他中介服務(wù)完成了“黑錢”的清洗,銀行成為洗錢犯罪的高危領(lǐng)域。從這個(gè)意義上來(lái)說(shuō),銀行反洗錢意義重大。如何促進(jìn)銀行業(yè)更為有效履行反洗錢職責(zé),預(yù)防和監(jiān)測(cè)“黑錢”流入銀行系統(tǒng)進(jìn)行清洗,并為打擊洗錢犯罪提供可靠信息情報(bào),是當(dāng)前提高我國(guó)反洗錢成效的重要環(huán)節(jié)。隨著銀行業(yè)反洗錢工作的深入開展,銀行在反洗錢工作中遇到的困難,存在的問(wèn)題及反洗錢制度存在的缺陷日漸明顯,成為銀行業(yè)反洗錢進(jìn)程中的突出障礙。本文通過(guò)對(duì)我國(guó)銀行業(yè)反洗錢現(xiàn)狀進(jìn)行深入分析,指出當(dāng)前我國(guó)銀行業(yè)反洗錢存在的主要問(wèn)題和形成原因。同時(shí)通過(guò)對(duì)部分歐美及亞洲發(fā)達(dá)國(guó)家銀行業(yè)反洗錢狀況進(jìn)行深入研究,學(xué)習(xí)反洗錢先進(jìn)經(jīng)驗(yàn),并結(jié)合我國(guó)銀行反洗錢實(shí)際對(duì)存在的主要問(wèn)題提出解決的對(duì)策和建議。
[Abstract]:Money laundering is a serious crime in the economic field and intertwined with other criminal activities, which poses a serious threat to the political, economic and social security of the country. In the economic field, banks become the centre of social capital movements, while promoting economic development. It is also often used by criminals for money laundering and other criminal activities. Looking at domestic and foreign cases of money-laundering, the vast majority of money-laundering crimes are accomplished through "money laundering" through payment or other intermediary services provided by banks. Banks have become a high-risk area for money laundering crimes. In this sense, banks have great significance in combating money laundering. How to promote the banking industry to perform its anti-money-laundering duties more effectively and to prevent and monitor the "black money" flowing into the banking system for laundering. And to provide reliable information and intelligence for combating money-laundering crime is an important link to improve the effectiveness of anti-money laundering in our country. With the development of banking anti-money laundering work, banks have encountered difficulties in anti-money laundering work. The existing problems and the defects of the anti-money laundering system are becoming a prominent obstacle in the process of anti-money laundering in the banking industry. This paper makes a thorough analysis of the present situation of the banking anti-money laundering in China. This paper points out the main problems and causes of anti-money laundering in China's banking industry at present. At the same time, through the in-depth study on the situation of anti-money laundering in some developed countries in Europe, America and Asia, the author studies the advanced experience of anti-money laundering. Combined with the practice of anti-money laundering in Chinese banks, some countermeasures and suggestions are put forward to solve the existing problems.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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