本文選題：商業(yè)銀行 + 反洗錢��； 參考：《湖南大學(xué)》2015年碩士論文

【摘要】：雖然不同的組織和國家對(duì)洗錢有著不同的定義,但其本質(zhì)是將非法所得合法化的過程。而商業(yè)銀行為滿足客戶需求,提供了電子轉(zhuǎn)賬、商業(yè)票據(jù)等多種金融工具,而犯罪分子也利用這些金融工具從事洗錢活動(dòng)。根據(jù)中國人民銀行針對(duì)反洗錢工作的相關(guān)布置,各商業(yè)銀行要及時(shí)準(zhǔn)確地監(jiān)測(cè)、分析及上報(bào)各種大額可疑交易數(shù)據(jù)。但是,大額可疑交易數(shù)據(jù)的甄別是一項(xiàng)復(fù)雜與繁瑣的工作,這就需要建立一套行之有效的反洗錢數(shù)據(jù)監(jiān)測(cè)與分析系統(tǒng)來輔助銀行開展反洗錢工作,以減少人力與物力的投入,并提高反洗錢的效率。本文所設(shè)計(jì)的商業(yè)銀行反洗錢數(shù)據(jù)監(jiān)測(cè)與分析系統(tǒng)是長沙市民生銀行反洗錢監(jiān)測(cè)上報(bào)系統(tǒng)項(xiàng)目的一部分。在反洗錢信息數(shù)據(jù)監(jiān)測(cè)工作中,基于大額成交交易和存有疑點(diǎn)的成交交易的認(rèn)識(shí)鑒別工作是具有非常重要的,有鑒于此,本論文將就這些相關(guān)的問題進(jìn)行重點(diǎn)的研究工作。本文將有針對(duì)性的就銀行的反洗錢數(shù)據(jù)監(jiān)測(cè)與分析的需求,結(jié)合目前銀行在反洗錢領(lǐng)域所遇到的困難,實(shí)施實(shí)踐,本文重點(diǎn)解決金融系統(tǒng)反洗錢微觀方面的難題,研究建立自動(dòng)化反洗錢信息化監(jiān)測(cè)系統(tǒng)問題,也就是建立金融方面大客交易,頻繁交易,可疑交易等信息的接收、分析、上報(bào)、管理的分析系統(tǒng),并轉(zhuǎn)化為規(guī)范數(shù)進(jìn)行上報(bào),同時(shí)提交給中國人民銀行反洗錢監(jiān)測(cè)中心進(jìn)行數(shù)據(jù)管理。本系統(tǒng)是基于J2EE/JAVA技術(shù)的企業(yè)級(jí)Web應(yīng)用,并且采用了Struts架構(gòu)來構(gòu)建該系統(tǒng),Struts框架主要的功能是把顯示層從MVC持久數(shù)據(jù)層與業(yè)務(wù)邏輯層中抽離出來,使得系統(tǒng)具有頁面導(dǎo)航便利、層次清晰的特點(diǎn),并且該系統(tǒng)采用數(shù)據(jù)挖掘中的聚類分析來提高異常交易數(shù)據(jù)的甄別能力。此外該系統(tǒng)數(shù)據(jù)持久層的實(shí)現(xiàn)使用了Hibernate框架,這樣大大減少簡(jiǎn)化了開發(fā)的工作量,提高了系統(tǒng)的可維護(hù)性。系統(tǒng)同時(shí)采用ETL、數(shù)據(jù)挖掘,按照統(tǒng)一的規(guī)則,把數(shù)據(jù)從不同的數(shù)據(jù)源中提取到數(shù)據(jù)倉庫,是商業(yè)銀行反洗錢系統(tǒng)的基礎(chǔ)技術(shù)。商業(yè)銀行反洗錢系統(tǒng)的整體架構(gòu)可以分為數(shù)據(jù)層、業(yè)務(wù)層、表示層和顯示層四個(gè)部分,從功能架構(gòu)對(duì)系統(tǒng)進(jìn)行劃分,商業(yè)銀行反洗錢數(shù)據(jù)監(jiān)測(cè)與分析系統(tǒng)可以分為數(shù)據(jù)處理部分、信息應(yīng)用部分與系統(tǒng)管理。在運(yùn)行步驟上,首先從分析配置子模塊讀取配置信息,接著根據(jù)配置信息,對(duì)商業(yè)銀行交易錢數(shù)據(jù)進(jìn)行采集,接著對(duì)采集到的數(shù)據(jù)進(jìn)行審核。數(shù)據(jù)采集與分析配置模塊是根據(jù)定制的采集任務(wù),通過訪問商業(yè)銀行綜合業(yè)務(wù)服務(wù)器把需要的反洗錢數(shù)據(jù)采集到反洗錢數(shù)據(jù)檢測(cè)與分析系統(tǒng)的應(yīng)用服務(wù)器中,為后續(xù)的洗錢分析、交易監(jiān)控以及大額可疑交易的上報(bào)提供基礎(chǔ)。反洗錢監(jiān)測(cè)與分析模塊根據(jù)ETL管理模塊中分析配置子模塊對(duì)異常交易規(guī)則的制定,對(duì)采集到反洗錢數(shù)據(jù)倉庫中的交易水信息進(jìn)行異常交易分析,將符合條件的交易水信息放入系統(tǒng)數(shù)據(jù)庫,并可以在前臺(tái)進(jìn)行顯示。系統(tǒng)的補(bǔ)錄模塊通過補(bǔ)錄交易數(shù)據(jù)中的缺失項(xiàng),方便后續(xù)的反洗錢數(shù)據(jù)監(jiān)測(cè)與分析模塊的分析。商業(yè)銀行反洗錢數(shù)據(jù)監(jiān)測(cè)與分析系統(tǒng)作為長沙市民生銀行反洗錢監(jiān)測(cè)報(bào)送系統(tǒng)的核心部分,已經(jīng)被正式使用。從實(shí)際地運(yùn)行效果來說,達(dá)到了預(yù)設(shè)的設(shè)計(jì)目標(biāo),提高了反洗錢工作的效率。本研究的進(jìn)行,為商業(yè)銀行反洗錢工作的信息化提供了技術(shù)路線和實(shí)施方案,能有有效地對(duì)洗錢活動(dòng)進(jìn)行發(fā)覺和預(yù)警,具有較大的理論和實(shí)際價(jià)值。
[Abstract]:Although different organizations and countries have different definitions of money laundering, the essence is the process of legalizing illegal income. In order to meet customer needs, commercial banks provide a variety of financial instruments such as electronic transfer, commercial paper and other financial instruments, and the criminals also use these financial instruments to do money laundering. The relevant arrangement of money laundering work, the commercial banks should promptly and accurately monitor, analyze and report a variety of large amount of suspicious transaction data. However, the screening of large suspicious transaction data is a complex and cumbersome work. It is necessary to establish a set of effective anti money laundering data monitoring and analysis system to assist the bank to carry out anti money laundering work. In order to reduce the investment of manpower and material resources and improve the efficiency of anti money laundering, the data monitoring and analysis system of anti money laundering of commercial banks designed in this paper is part of the project of Changsha Minsheng Bank anti money laundering monitoring and reporting system. In the monitoring of anti money laundering information data, the recognition of transaction transactions based on large transaction transactions and doubtful points is based on the monitoring of anti money laundering information. In view of this, this paper will focus on these related issues. This paper will focus on the needs of the monitoring and analysis of the bank's anti money laundering data, combined with the difficulties encountered by the bank in the field of anti money laundering, and implement the practice. This paper focuses on the solution of the backwash of the financial system. On the microcosmic aspect of money, it studies the establishment of an automated anti money laundering information monitoring system, which is to establish an analysis, report, and management analysis system for large guest transactions, frequent transactions and suspicious transactions in financial aspects, and to report it to the standard number and submit it to the anti money laundering monitoring center of the people's Bank of China. Data management. This system is an enterprise level Web application based on J2EE/JAVA technology, and uses the Struts architecture to build the system. The main function of the Struts framework is to draw out the display layer from the MVC persistent data layer and the business logic layer, so that the system has the features of page navigation convenience and clear hierarchy, and the system uses data. In addition, the implementation of the data persistence layer of the system uses the Hibernate framework, which greatly reduces the workload of the development and improves the maintainability of the system. At the same time, the system uses ETL, data mining, and according to the unified rules, from different data sources. The whole structure of the commercial bank anti money laundering system can be divided into four parts: data layer, business layer, presentation layer and display layer. The system is divided from functional structure to the system. The data monitoring and analysis system of commercial bank anti money laundering data can be divided into data processing part and information. In the operation step, the configuration information is read from the analysis configuration sub module first, then the transaction money data of commercial bank is collected according to the configuration information, and then the data collected is audited. The data collection and analysis configuration module is based on the custom collection task and through access to the commercial bank synthesis. The service server collects the required anti money laundering data to the application server of the anti money laundering data detection and analysis system. It provides the basis for the follow-up money laundering analysis, transaction monitoring and large suspicious transactions. The anti money laundering monitoring and analysis module makes the exception transaction rules based on the sub module of the ETL management module. The transaction water information collected in the anti money laundering data warehouse is analyzed abnormally, and the qualified transaction water information is put into the system database and can be displayed in the front desk. The system's complementing module can be used to record the missing items in the transaction data so as to facilitate the analysis of the subsequent counter money data monitoring and analysis module. As the core part of the anti money laundering monitoring and delivery system of Changsha Minsheng Bank, the anti money laundering data monitoring and analysis system has been formally used. From the actual operation effect, it has reached the design goal and improved the efficiency of the anti money laundering work. This research has provided the technology for the information technology of the anti money laundering work of commercial banks. The operation route and implementation plan can effectively detect and warn money laundering activities, which has great theoretical and practical value.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.2;TP274

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本文編號(hào)：1975315