【摘要】：互聯(lián)網(wǎng)金融自2013年進(jìn)入快速發(fā)展期,并在金融改革趨勢(shì)的推動(dòng)下呈現(xiàn)出迅猛發(fā)展的情形。當(dāng)前互聯(lián)網(wǎng)金融已經(jīng)成為金融界持續(xù)關(guān)注的焦點(diǎn),并由于其多方面的優(yōu)勢(shì),被社會(huì)各界普遍接受。但不容忽視的是,法律層面風(fēng)險(xiǎn)、貨幣政策風(fēng)險(xiǎn)、網(wǎng)絡(luò)技術(shù)風(fēng)險(xiǎn)也不斷涌現(xiàn)出來�；ヂ�(lián)網(wǎng)金融與生俱來的復(fù)雜性、隱蔽性、多變性等特征使其成為洗錢風(fēng)險(xiǎn)的高發(fā)區(qū),嚴(yán)重危害著經(jīng)濟(jì)金融秩序的正常有序運(yùn)行。近幾年利用P2P網(wǎng)貸平臺(tái)進(jìn)行非法集資及通過第三方支付平臺(tái)清洗不法資金案件頻發(fā),進(jìn)一步拉響加強(qiáng)金融監(jiān)管的預(yù)警信號(hào)。當(dāng)前對(duì)互聯(lián)網(wǎng)金融洗錢的防范及打擊仍處于起步階段,關(guān)于法律法規(guī)完善、協(xié)助機(jī)制開展、責(zé)任體系建設(shè)等重點(diǎn)領(lǐng)域和關(guān)鍵環(huán)節(jié)的研究并不充分,在某些環(huán)節(jié)還十分薄弱甚至存在空白。在這種大環(huán)境下,對(duì)互聯(lián)網(wǎng)金融洗錢行為進(jìn)行分析識(shí)別、對(duì)防范洗錢風(fēng)險(xiǎn)和打擊洗錢活動(dòng)進(jìn)行研究就顯得十分必要和緊迫。本文在學(xué)習(xí)總結(jié)相關(guān)文獻(xiàn)研究的基礎(chǔ)上,基于對(duì)第三方支付平臺(tái)、P2P網(wǎng)貸平臺(tái)、眾籌平臺(tái)等基礎(chǔ)調(diào)研,運(yùn)用案例分析法和對(duì)比分析法,總結(jié)了實(shí)際發(fā)生的互聯(lián)網(wǎng)金融洗錢的4個(gè)典型案例特點(diǎn),深入剖析相關(guān)洗錢案例核心內(nèi)容,查找分析洗錢風(fēng)險(xiǎn)產(chǎn)生的多方面原因。本文依托金融改革研究,深入分析有關(guān)問題,認(rèn)真歸納4種典型案例,總結(jié)分析4種共性問題,并結(jié)合法律建設(shè)、金融監(jiān)管、風(fēng)險(xiǎn)防控等防范體系的構(gòu)建思路進(jìn)行充分的論證分析,得出相關(guān)的結(jié)論。本文認(rèn)真研究分析互聯(lián)網(wǎng)金融洗錢的特點(diǎn)、行為方式及產(chǎn)生互聯(lián)網(wǎng)金融洗錢的多方面原因,按照基礎(chǔ)數(shù)據(jù)收集、現(xiàn)有案例剖析、資金監(jiān)測(cè)重點(diǎn)、風(fēng)險(xiǎn)識(shí)別分析等思路,有效借鑒國(guó)外防范金融洗錢的經(jīng)驗(yàn)做法,研究構(gòu)建互聯(lián)網(wǎng)金融洗錢風(fēng)險(xiǎn)防范體系,并圍繞法律層面、監(jiān)管層面、工作層面、責(zé)任層面、社會(huì)層面等研究方向進(jìn)行深入思考。
[Abstract]:Internet finance has entered a period of rapid development since 2013, and has developed rapidly under the impetus of financial reform. At present, Internet finance has become the focus of financial circles, and because of its advantages in many aspects, it is generally accepted by all walks of life. However, it can not be ignored that legal level risk, monetary policy risk, network technology risk also emerges constantly. The inherent complexity, concealment and variability of Internet finance make it a high risk area for money laundering, which seriously endangers the normal and orderly operation of economic and financial order. In recent years, the use of P2P network loan platform for illegal fund-raising and through the third party payment platform to clean illegal funds cases frequently, and further sound the early warning signal to strengthen financial supervision. At present, the prevention and crackdown on Internet financial money laundering is still in its infancy. The research on the key areas and key links, such as the perfection of laws and regulations, the development of assistance mechanism, the construction of responsibility system, etc., is not sufficient. In some links are still very weak or even blank. In this environment, it is very necessary and urgent to analyze and identify the Internet financial money laundering, to prevent the risk of money laundering and to combat the money laundering. On the basis of studying and summarizing relevant literature, based on the investigation of third-party payment platform, P2P network loan platform and crowdfunding platform, this paper uses case analysis method and comparative analysis method. This paper summarizes the characteristics of four typical cases of Internet finance money laundering, deeply analyzes the core contents of relevant money laundering cases, and finds out the various reasons for the risk of money laundering. Based on the research of financial reform, this paper deeply analyzes relevant problems, sums up four typical cases, sums up and analyzes four common problems, and combines legal construction and financial supervision. The construction idea of risk prevention and control system is fully demonstrated and analyzed, and relevant conclusions are drawn. This paper studies and analyzes the characteristics, behavior patterns and various causes of Internet financial money laundering, according to the basic data collection, existing case analysis, fund monitoring focus, risk identification and analysis, etc. Based on the experience and practice of preventing financial money laundering in foreign countries, this paper studies and constructs the risk prevention system of Internet financial money laundering, and deeply thinks about the legal level, the supervision level, the work level, the responsibility level, the social level and so on.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 崔婉君;第三方支付風(fēng)險(xiǎn)及監(jiān)管研究[D];安徽大學(xué);2017年

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本文編號(hào)：2250733