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  本文關(guān)鍵詞：我國商業(yè)銀行反洗錢工作問題與對策研究　出處：《北京交通大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 反洗錢 風(fēng)險(xiǎn)為本 對策

【摘要】：隨著國際社會洗錢犯罪的蔓延趨勢,全球金融業(yè)正面臨著日益嚴(yán)峻的洗錢風(fēng)險(xiǎn)。商業(yè)銀行作為現(xiàn)代社會資金存放、流轉(zhuǎn)、融通的主渠道,是整個(gè)洗錢鏈條中的重要環(huán)節(jié)。我國商業(yè)銀行的反洗錢工作起步相對較晚,雖然在反洗錢制度建設(shè)、機(jī)構(gòu)設(shè)置、案件調(diào)查等方面取得了一定成績,但在多方面因素的制約下,其工作效果與國際先進(jìn)銀行相比仍存在較大差距。 我國商業(yè)銀行由于職責(zé)定位不清、目標(biāo)和手段不匹配等原因,致使反洗錢成本投入與產(chǎn)出之間的矛盾日益突出,反洗錢工作不但未能有效發(fā)揮遏制洗錢犯罪的效果,反而成了商業(yè)銀行應(yīng)付監(jiān)管部門制度要求的“累贅”。2012年,中國人民銀行針對當(dāng)前反洗錢工作中暴露的問題,提出了全面推行“風(fēng)險(xiǎn)為本”的反洗錢工作思路。面對工作理念的調(diào)整,如何及時(shí)調(diào)整反洗錢工作重心,實(shí)施“風(fēng)險(xiǎn)為本”的反洗錢工作措施,已經(jīng)成為我國銀行業(yè)反洗錢管理亟需探討的重要內(nèi)容。 本文主要指出當(dāng)前我國商業(yè)銀行反洗錢工作存在的問題及原因,闡述了推進(jìn)“風(fēng)險(xiǎn)為本”的反洗錢工作思路的必要性及現(xiàn)實(shí)意義,并在分析國內(nèi)外反洗錢工作理念及具體措施基礎(chǔ)上,就我國商業(yè)銀行落實(shí)“風(fēng)險(xiǎn)為本”提出對策和建議。首先,本文介紹了洗錢犯罪的基本概念以及我國洗錢犯罪的主要特征。其次,分析了商業(yè)銀行反洗錢工作的主要思路和具體方法,闡述了我國商業(yè)銀行反洗錢體系在內(nèi)控機(jī)制與具體實(shí)踐方式中存在的問題和原因。最后,在現(xiàn)狀問題原因分析以及成本效益分析的基礎(chǔ)上,通過對照國外先進(jìn)經(jīng)驗(yàn),提出了在我國實(shí)施“風(fēng)險(xiǎn)為本”反洗錢工作理念的具體方法與應(yīng)對反洗錢現(xiàn)狀問題的策略。
[Abstract]:With the spreading trend of the crime of money laundering in the international community, the global financial industry is facing the increasingly serious risk of money laundering. Commercial banks are the main channels for the deposit, circulation and financing of funds in modern society. It is an important link in the whole chain of money laundering. The anti-money laundering work of commercial banks in China started relatively late, although it has made certain achievements in the construction of anti-money laundering system, the establishment of institutions, the investigation of cases and so on. However, under the restriction of many factors, there is still a big gap between the effect of its work and that of international advanced banks. The contradiction between the cost input and output of anti-money laundering is becoming more and more prominent because of the unclear duty orientation, the mismatch between the target and the means, and so on. Anti-Money-Laundering work has not only failed to effectively control the effect of money laundering, but also has become a "burden" for commercial banks to cope with the requirements of the regulatory system. 2012. In view of the problems exposed in the current anti-money laundering work, the people's Bank of China has put forward an overall "risk-based" anti-money laundering work train of thought. In the face of the adjustment of the working concept, how to adjust the focus of anti-money laundering work in a timely manner. Carrying out risk-based anti-money-laundering measures has become an important content of anti-money-laundering management in China's banking industry. This paper mainly points out the existing problems and reasons of anti-money laundering work of commercial banks in our country, and expounds the necessity and practical significance of promoting "risk-based" anti-money laundering work. And on the basis of analyzing the domestic and foreign anti-money laundering work idea and concrete measure, put forward the countermeasure and suggestion to our country's commercial bank to carry out "risk-based". This paper introduces the basic concept of money laundering crime and the main characteristics of money laundering crime in China. Secondly, it analyzes the main ideas and specific methods of anti-money laundering work of commercial banks. This paper expounds the problems and causes of anti-money laundering system in China's commercial banks in the internal control mechanism and the specific practice. Finally, on the basis of the analysis of the reasons of the current situation and the cost-benefit analysis. By comparing the advanced experience of foreign countries, this paper puts forward the concrete methods of implementing the idea of "risk-based" anti-money laundering in our country and the strategies to deal with the current situation of anti-money laundering.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.1

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本文編號：1407753