本文關(guān)鍵詞：我國房地產(chǎn)業(yè)洗錢方式及風(fēng)險評估　出處：《西南交通大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：近年來隨著金融領(lǐng)域反洗錢法律法規(guī)的不斷完善、技術(shù)手段的不斷革新和反洗錢從業(yè)人員數(shù)量的不斷增加及其專業(yè)技能的不斷提高,洗錢犯罪逐漸向非金融行業(yè)轉(zhuǎn)移,而我國房地產(chǎn)行業(yè)日益活躍,房地產(chǎn)投資或交易數(shù)額巨大,為大額非法資金的進(jìn)出提供了可能。近年來的案件亦表明發(fā)生在房地產(chǎn)行業(yè)的洗錢犯罪數(shù)量已經(jīng)到了不可忽視的程度,另一方面隨著我國人民幣國際化進(jìn)程不斷推進(jìn)資本管制趨向?qū)捤?將會有更多的國際黑錢進(jìn)入國內(nèi)房地產(chǎn)行業(yè)。因此為遏制洗錢犯罪,加大對房地產(chǎn)行業(yè)洗錢犯罪的研究已刻不容緩。 本文首先簡述了選題背景及選題意義,并對相關(guān)理論和研究文獻(xiàn)進(jìn)行總結(jié)回顧。其次著重分析了房地產(chǎn)業(yè)常見的成立或入股房地產(chǎn)公司、房地產(chǎn)交易、房地產(chǎn)租賃和房地產(chǎn)貸款四大洗錢方式,從眾多各異的洗錢方式中分析其共性,并結(jié)合FATF(2007)和Unger B. el at.(2010)中介紹的可疑特征指標(biāo),提取我國房地產(chǎn)業(yè)洗錢可疑交易行為特征指標(biāo)。進(jìn)而依此歸納出反洗錢制度、融資方、開發(fā)商、購房者、中介服務(wù)、融資、支付工具七大房地產(chǎn)業(yè)洗錢風(fēng)險模塊和22個分指標(biāo)、構(gòu)建房地產(chǎn)業(yè)洗錢風(fēng)險指標(biāo)體系,組建專家小組對風(fēng)險發(fā)生概率和風(fēng)險對目標(biāo)造成的可能影響進(jìn)行評估,然后以評估值為基礎(chǔ)運(yùn)用風(fēng)險矩陣法和Borda序值法對各風(fēng)險模塊進(jìn)行重要性排序,運(yùn)用層次分析法構(gòu)建判斷矩陣計算各模塊的權(quán)重,對房地產(chǎn)洗錢整體風(fēng)險進(jìn)行評估。論文實證部分以案例的方法說明評估模型的實際應(yīng)用過程。最后結(jié)合我國人民幣國際化下房地產(chǎn)將要面臨的新形勢對房地產(chǎn)業(yè)反洗錢監(jiān)管提出政策建議。
[Abstract]:In recent years, with the continuous improvement of anti-money laundering laws and regulations in the financial field, the continuous innovation of technical means and the increase of the number of anti-money laundering practitioners as well as the continuous improvement of their professional skills. The crime of money laundering is gradually transferred to the non-financial industry, but the real estate industry in China is becoming more and more active, and the amount of real estate investment or transaction is huge. Cases in recent years also show that the number of money-laundering crimes in the real estate industry has reached a degree that can not be ignored. On the other hand, with the internationalization of RMB in China, the capital control tends to be looser, and more international black money will enter the domestic real estate industry. Therefore, in order to curb the crime of money laundering. It is urgent to increase the research on the crime of money laundering in real estate industry. Firstly, this paper briefly describes the background and significance of the topic, and summarizes the relevant theories and research literature. Secondly, it focuses on the analysis of common real estate companies or shares in real estate, real estate transactions. Real estate leasing and real estate loans four money laundering methods, from many different ways of money laundering analysis of its commonality. Combined with the suspicious characteristic indicators introduced in FATF 2007) and Unger Bel at.2010). Extract the characteristic index of suspicious transaction behavior of real estate money laundering in our country. Then sum up anti-money laundering system, financing party, developer, house buyer, intermediary service, financing according to this. Seven real estate money laundering risk modules and 22 sub-indicators of payment tools, the establishment of real estate money laundering risk index system, the formation of expert groups to assess the probability of risk occurrence and the possible impact of risk on the target. Then based on the evaluation value, we use the risk matrix method and Borda order value method to rank the importance of each risk module, and use AHP to construct the judgment matrix to calculate the weight of each module. The paper illustrates the practical application process of the evaluation model by case study. Finally, combining with the new situation that real estate will face under the internationalization of RMB in our country, the paper analyzes the real estate industry in the real estate industry. The anti-money laundering regulation puts forward the policy suggestion.
【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F299.23

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本文編號：1419312