本文選題：金融改革 + 反洗錢��； 參考：《西北大學》2016年碩士論文

【摘要】：從各國反洗錢的經(jīng)驗來看,金融領(lǐng)域最容易為犯罪分子所利用。本論文基于國內(nèi)外反洗錢理論,結(jié)合溫州地區(qū)政府反洗錢制度發(fā)展現(xiàn)狀和問題,并以溫州銀行為例,分析反洗錢制度建設(shè)不足的現(xiàn)狀。基于制度內(nèi)容優(yōu)化,從“了解你的客戶”、可疑交易的識別和報告、特殊賬戶活動的監(jiān)控、內(nèi)部控制程序等四個方面,對溫州銀行反洗錢制度進行優(yōu)化,本文研究有利于加強溫州銀行反洗錢工作,更對溫州地區(qū)其他金融機構(gòu)反洗錢制度的設(shè)計優(yōu)化提供了一個良好的借鑒,研究具有十分重要的理論意義和現(xiàn)實意義。本文研究主要包含以下幾個方面：第一章國內(nèi)外研究綜述,對國內(nèi)外反洗錢制度設(shè)計的相關(guān)理論進行綜述,梳理研究成效和不足,探索本文研究的立足點。第二章洗錢與反洗錢理論研究,對洗錢概念與特點、洗錢手段與過程、洗錢的危害、利用銀行渠道洗錢的形式、我國洗錢的發(fā)展與演變、政府監(jiān)管干預(yù)的必要性等進行闡述,對反洗錢的概念、國際反洗錢監(jiān)管制度組成、國際反洗錢的合作組織、我國反洗錢發(fā)展與現(xiàn)狀進行介紹。第三章溫州銀行反洗錢制度現(xiàn)狀。對溫州銀行及其反洗錢現(xiàn)狀進行概況,探索溫州銀行反洗錢制度存在的問題,即反洗錢宣傳工作不到位、缺乏專業(yè)的反洗錢工作人員、反洗錢工作人員素質(zhì)偏低、沒有建立健全的可疑交易標準、反洗錢制度建設(shè)存在漏洞、現(xiàn)代電子商務(wù)環(huán)境對銀行反洗錢工作的挑戰(zhàn),反洗錢預(yù)防和控制上存在不足。第四章溫州銀行反洗錢案例分析,介紹反洗錢的案件,闡述洗錢手法,進行案后思考和啟示。第五章國外先進經(jīng)驗的學習與借鑒,對歐美發(fā)達國家銀行、亞洲發(fā)達國家銀行反洗錢狀況進行闡述,梳理國外反洗錢先進經(jīng)驗帶來的啟示,即對客戶進行充分了解,從源頭排除嫌疑,加快銀行反洗錢內(nèi)部控制制度的建設(shè),加強對高風險客戶的客戶盡職調(diào)查和資金監(jiān)測,對銀行柜面人員進行反洗錢培訓(xùn)。第六章溫州銀行反洗錢制度的改進與建議,即一是健全完善相關(guān)制度,完善內(nèi)部控制機制；二是推進以風險管理為本的監(jiān)管制度,包含健全“了解你的客戶’制度、“特殊賬戶活動的監(jiān)控”制度、“可疑交易的識別和報告”制度；三是完善反洗錢監(jiān)管與激勵約束條款；四是逐步建立預(yù)防性的內(nèi)部控制程序,包含加強對內(nèi)部控制各環(huán)節(jié)關(guān)鍵要素的監(jiān)控,建立銀行內(nèi)部反洗錢工作記錄保留機制,設(shè)立反洗錢專業(yè)崗位,明確崗位職責,加強員工反洗錢知識教育和培訓(xùn),營造良好的反洗錢制度建設(shè)環(huán)境。
[Abstract]:From countries anti-money laundering experience, the financial field is most easily used by criminals. Based on the theory of anti-money laundering at home and abroad, combined with the current situation and problems of Wenzhou government anti-money laundering system, and taking Wenzhou Bank as an example, this paper analyzes the current situation of the insufficient construction of anti-money laundering system. Based on the content optimization of the system, this paper optimizes the anti-money laundering system of Wenzhou Bank from four aspects: "know your customers", identify and report suspicious transactions, monitor special account activities, and control internal procedures. The research in this paper is helpful to strengthen the anti-money laundering work of Wenzhou bank and provide a good reference for the design and optimization of anti-money laundering system of other financial institutions in Wenzhou area. The research has very important theoretical and practical significance. This paper mainly includes the following aspects: the first chapter summarizes the domestic and foreign research, summarizes the domestic and foreign anti-money laundering system design related theories, combs the research results and deficiencies, and explores the foothold of this study. The second chapter discusses the concept and characteristics of money laundering, the means and process of money laundering, the harm of money laundering, the forms of money laundering through bank channels, the development and evolution of money laundering in China, and the necessity of government supervision and intervention. This paper introduces the concept of anti-money laundering, the composition of international anti-money laundering supervision system, the international anti-money-laundering cooperation organization, and the development and present situation of anti-money laundering in china. The third chapter is the current situation of Wenzhou bank anti-money laundering system. This paper makes a general survey of Wenzhou Bank and its anti-money laundering status, and explores the problems existing in Wenzhou bank's anti-money laundering system, that is, the lack of anti-money laundering propaganda, the lack of professional anti-money laundering staff, and the low quality of anti-money laundering staff. There are no perfect standards for suspicious transactions, loopholes exist in the construction of anti-money laundering system, the challenge of modern electronic commerce environment to the anti-money laundering work of banks, and the deficiency of prevention and control of anti-money laundering. Chapter four analyzes the case of Wenzhou bank, introduces the case of anti-money laundering, expounds the methods of money laundering, thinks and enlightens after the case. The fifth chapter studies and draws lessons from the advanced experience of foreign countries, expounds the anti-money laundering situation of the banks of developed countries in Europe and the United States, and the banks of Asian developed countries, and combs the enlightenment brought by the advanced experience of foreign anti-money laundering, that is, to fully understand the customers. Removing suspects from the source, speeding up the construction of the internal control system of bank anti-money laundering, strengthening the customer due diligence and fund monitoring of high-risk customers, and carrying out anti-money laundering training for bank teller personnel. The sixth chapter is about the improvement and suggestion of Wenzhou bank's anti-money laundering system, that is, to perfect the relevant system, perfect the internal control mechanism, and promote the risk management-based supervision system, which includes the "know your customer" system. The system of "monitoring of special account activities", the system of "identification and reporting of suspicious transactions"; the third, the improvement of anti-money laundering supervision and regulations, and the fourth, the gradual establishment of preventive internal control procedures, Including strengthening the monitoring of key elements of internal control, establishing internal anti-money laundering work record retention mechanism, establishing anti-money laundering professional posts, clarifying post responsibilities, strengthening staff anti-money laundering knowledge education and training, To create a good anti-money laundering system construction environment.
【學位授予單位】：西北大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F832.2

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本文編號：2116439