【摘要】：洗錢在現階段已經成為一個全球性的問題,對世界經濟的有效運轉有著極大的破壞性,對全球范圍內各個國家的經濟、金融秩序以及社會穩(wěn)定構成危害。它的存在不僅阻礙了金融體系的正常運轉,而且對金融體系基礎構架也產生嚴重破壞。隨著金融全球化的發(fā)展,洗錢行為的危害性也逐步擴散,從而引起各國監(jiān)管部門的重視。許多國家開始將洗錢行為認定為刑事犯罪,并建立專門的監(jiān)管部門,對洗錢行為進行嚴格的監(jiān)管,嚴厲打擊洗錢犯罪行為。從國際上洗錢行為的方式來看,大多通過商業(yè)銀行進行樞紐,因此,需要對商業(yè)銀行進行嚴格的監(jiān)管,不僅需要外部監(jiān)管機構的監(jiān)管約束,商業(yè)銀行更應該建立內部管控機制,加強自身的反洗錢管控,因此,對商業(yè)銀行的反洗錢內控管理進行研究有助于推動我國商業(yè)銀行的完善發(fā)展和遏制洗錢行為。本文從商業(yè)銀行反洗錢內控管理制度的現狀出發(fā),結合國內外研究概況與發(fā)展趨勢,從商業(yè)銀行反洗錢內控管理制度的現有框架角度出發(fā)對反洗錢內控管理制度的現狀進行論述及分析。同時通過運用文獻研究法、比較分析法、層次分析法對JS銀行SH分行的反洗錢內控管理進行分析,揭示了JS銀行SH分行現有反洗錢內控管理制度存在的不足和缺陷,并以我國現有反洗錢法等相關法律法規(guī)要求以及風險為本作為準繩,從KYC的角度提升可疑交易及反洗錢非現場監(jiān)管數據報送質量、并以提升對洗錢行為的管控力度和效果為目標,不斷完善商業(yè)銀行的反洗錢內部控制機制。通過對已有客戶信息的分級完善,加強對客戶身份的識別功能,增加強化盡職調查的調查內容及要素、針對新開展的自貿區(qū)業(yè)務加強監(jiān)管措施并設計自貿區(qū)客戶專用的強化盡職調查表、完善可疑交易監(jiān)測模型、梳理行內反洗錢工作的整體操作流程、將履行JS銀行反洗錢義務和盡職減責考核落實到具體的部門和負責人等方面來設計JS銀行SH分行的反洗錢內控管理制度。最后總結全文,得出結論和展望。
[Abstract]:Money laundering has become a global problem at the present stage, which is extremely destructive to the effective operation of the world economy and endangers the economic, financial order and social stability of every country in the world. Its existence not only hindered the normal operation of the financial system, but also caused serious damage to the financial system infrastructure. With the development of financial globalization, the harmfulness of money laundering is spreading gradually. Many countries began to recognize money laundering as a criminal offence, and set up a special supervision department to strictly supervise money laundering and crack down on the crime of money laundering. Looking from the way of money laundering behavior in the world, most of them carry on the hub through the commercial banks. Therefore, it is necessary to strictly supervise the commercial banks, not only the supervision and restraint of the external regulatory bodies, but also the establishment of the internal control mechanism of the commercial banks. Therefore, the study on the internal control of anti-money laundering in commercial banks is helpful to promote the development of commercial banks in China and to curb the behavior of money laundering. Based on the present situation of the internal control and management system of anti-money laundering in commercial banks, this paper combines the general situation of domestic and foreign research and the development trend. This paper discusses and analyzes the present situation of anti-money laundering internal control management system from the point of view of the existing framework of commercial bank anti-money laundering internal control management system. At the same time, by using the method of literature research, comparative analysis and analytic hierarchy process, this paper analyzes the internal control management of anti-money laundering in SH Branch of JS Bank, and reveals the shortcomings and defects of the existing internal control management system of anti-money laundering in SH Branch of JS Bank. Taking the relevant laws and regulations such as the existing anti-money laundering law and other relevant laws and regulations and the risk as the yardstick to improve the quality of the off-site data reporting for suspicious transactions and anti-money laundering from the perspective of KYC. Aiming at improving the control and effect of money laundering, the internal control mechanism of anti-money laundering in commercial banks is improved continuously. By improving the classification of existing customer information, strengthening the function of customer identity identification, and increasing the content and elements of the due diligence investigation, Aiming at the newly developed free trade area business, we should strengthen the supervision measures, design the special intensive due diligence questionnaire for the free trade area customers, perfect the suspicious transaction monitoring model, and sort out the whole operation flow of the anti-money laundering work in the industry. In order to design the anti-money laundering internal control management system of SH Branch of JS Bank, it is necessary to carry out the duty of anti-money laundering and the duty abatement examination of JS bank into specific departments and responsible persons. Finally, the paper summarizes the full text, draws conclusions and prospects.
【學位授予單位】：武漢紡織大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2

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本文編號：2408130