發(fā)布時間：2018-05-24 07:44

  本文選題：客戶身份識別 + 反洗錢監(jiān)管��； 參考：《電子科技大學(xué)》2017年碩士論文

【摘要】：隨著社會經(jīng)濟(jì)的快速發(fā)展,我國市場經(jīng)濟(jì)逐步與全球經(jīng)濟(jì)體系不斷融合,金融服務(wù)方式不斷創(chuàng)新,各種資金通過金融結(jié)算在跨國、跨地區(qū)之間轉(zhuǎn)移�，F(xiàn)代金融的國際化決定了洗錢犯罪也具有國際化的特征。洗錢活動的日益猖獗對世界政治、經(jīng)濟(jì)都造成了極大的影響,成為滋生貪污、走私、販毒、恐怖等犯罪行為的溫床,反洗錢已經(jīng)成為世界各國政府關(guān)注的重點(diǎn),是政府治理中不可缺少的一個重要環(huán)節(jié),對維護(hù)一個國家的政治穩(wěn)定、經(jīng)濟(jì)秩序、百姓生活都有著十分重要的意義。在世界各國的反洗錢立法及國際反洗錢標(biāo)準(zhǔn)中,客戶身份識別制度、大額與可疑交易報告制度、客戶身份資料和交易記錄保存制度是國際公認(rèn)的洗錢預(yù)防措施的三項(xiàng)基本制度,這也是金融機(jī)構(gòu)應(yīng)該履行反洗錢責(zé)任的基本義務(wù)�？蛻羯矸葑R別是金融機(jī)構(gòu)反洗錢的基礎(chǔ)環(huán)節(jié),也是金融機(jī)構(gòu)反洗錢的難點(diǎn)。因此,作為政府管理部門的人民銀行和銀監(jiān)會出臺了圍繞客戶身份識別的一系列監(jiān)管政策。本文選擇人民銀行和銀監(jiān)會出臺的關(guān)于個人客戶身份識別政策作為研究對象,對反洗錢個人客戶身份識別政策的內(nèi)容及執(zhí)行效果進(jìn)行研究。本文首先圍繞客戶身份識別政策的制定過程、政策要求、政策執(zhí)行情況、政策執(zhí)行效果等進(jìn)行了全面研究,并從監(jiān)管范圍、監(jiān)管對象、監(jiān)管程序、監(jiān)管依據(jù)等方面對現(xiàn)有的客戶身份識別政策進(jìn)行分析;然后,本文對目前金融機(jī)構(gòu)落實(shí)客戶身份識別相關(guān)政策中存在的問題與原因進(jìn)行探討,對監(jiān)管政策的有效性進(jìn)行分析;最后,筆者從個人賬戶信息的完善、建立政府間各部門信息的共享機(jī)制、嚴(yán)格落實(shí)實(shí)名制以及個人賬戶管理政策的改善等方面提出進(jìn)一步完善客戶身份識別政策的建議。
[Abstract]:With the rapid development of social economy, China's market economy and the global economic system continue to merge, the financial service mode is constantly innovating, and all kinds of funds are transferred between transnational and cross-region through financial settlement. The internationalization of modern finance determines that money laundering crime also has the characteristics of internationalization. The increasingly rampant activities of money laundering have had a great impact on world politics and economy. They have become hotbeds of criminal acts such as corruption, smuggling, drug trafficking, terrorism and so on. Anti-money laundering has become the focus of attention of governments all over the world. It is an indispensable important link in government administration, which is of great significance to the maintenance of a country's political stability, economic order and people's life. Among the anti-money laundering legislation and international anti-money laundering standards in the world, customer identification system, large value and suspicious transaction reporting system, customer identity information and transaction record keeping system are three basic systems of internationally recognized prevention measures for money laundering. This is also the basic obligation of financial institutions to carry out anti-money-laundering duties. Customer identification is the basic link of anti-money laundering of financial institutions and the difficulty of anti-money laundering of financial institutions. Therefore, the people's Bank and the Banking Regulatory Commission, as government management departments, have issued a series of regulatory policies around customer identification. This paper chooses the personal customer identification policy issued by the people's Bank of China and the Banking Regulatory Commission as the research object to study the content and implementation effect of the anti-money laundering personal customer identification policy. Firstly, this paper makes a comprehensive study on the process of making customer identification policy, policy requirements, policy implementation situation, policy implementation effect and so on, and from the scope of supervision, the object of supervision, the supervision procedure, etc. Then, this paper discusses the problems and reasons existing in the implementation of the relevant policies of customer identification by financial institutions, and analyzes the effectiveness of the regulatory policies. Finally, the author puts forward some suggestions on how to improve the customer identification policy from the aspects of the perfection of personal account information, the establishment of information sharing mechanism among different government departments, the strict implementation of real-name system and the improvement of personal account management policy.
【學(xué)位授予單位】：電子科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2

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本文編號：1928259