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论文编号：	11802
作者编号：	2120152843
上传时间：	2020/6/22 7:31:17
中文题目：	Z银行反洗钱风险管理体系优化研究
英文题目：	Research on the Optimization of Anti-Money Laundering Risk Management System of Z Bank
指导老师：	周晓苏教授
中文关键字：	商业银行,反洗钱,风险导向
英文关键字：	commercial banks,Anti-money laundering,Risk orientation
中文摘要：	洗钱是较为严重的经济犯罪行为，随着金融产品、结算方式的不断创新，洗钱手法也变得愈发复杂。商业银行在资金结算体系及资金融通过程中的重要作用常被洗钱犯罪分子所利用，通过离析、融合等方式掩盖其非法资金的原始来源，达到洗钱目的。商业银行反洗钱工作对于维护我国金融秩序的稳定起着至关重要的作用。 我国反洗钱工作长期以来推行“规则导向”的工作理念。商业银行的反洗钱工作思路，更多是以履行监管制度硬性标准为反洗钱工作目标，以不被监管部门处罚为反洗钱工作成绩，忽视了反洗钱工作预防洗钱活动、打击洗钱犯罪的核心任务。商业银行存在反洗钱监测有效性不足的问题，无论是履行遏制洗钱犯罪的社会职责方面，还是在防范自身洗钱风险、促进稳健经营方面，仍有较大提升与改进的空间。 2012年以来，FATF组织（国际金融行动特别工作组）发布了新的《反洗钱、反恐怖融资和反扩散融资国际标准》，进一步强化了风险导向理念下的反洗钱与反恐怖融资执行措施，我国央行也进一步提出遵循“风险导向”的监管思路。“风险导向”的原则，就是要求金融机构对本机构面临的洗钱风险进行有效评估，进而合理配置相应的资源，有轻重、有主次地采取相应的控制措施。基于“风险导向”的理念，商业银行需要科学、合理的配置自身反洗钱资源，评估自身洗钱风险，通过借鉴内外部反洗钱警示案例，有效积累经验，建立一套针对客户、产品、交易的洗钱风险监测体系。 本文以Z商业银行为研究对象，分析其反洗钱风险管理体系所存在的问题，进而提出相应的优化措施。首先，初步介绍反洗钱理论基础，描述常见的洗钱手法，对于国内外商业银行全面风险管理、反洗钱风险管理的理论研究进行了文献综述，并提出了相关理论研究对本文的启示；其次，结合反洗钱监管制度介绍商业银行反洗钱工作主要内容，包括客户身份识别、客户资料与交易记录保存、大额与可疑交易报告等内容；再次，揭示其反洗钱风险管理体系所存在的问题，并基于“规则导向”的反洗钱工作思路进行问题的成因分析；最后，针对现有问题，从管理机制、履职操作、监督检查三个方面对Z银行优化“风 险导向”的反洗钱管理体系提出相应措施，力求反洗钱工作从被动防御向质量控制、从表面合规向实质有效的转变，实现商业银行履行预防打击洗钱犯罪义务、防范洗钱威胁带来自身声誉及资金风险的反洗钱工作目标。
英文摘要：	Money laundering is a serious economic crime. With the continuous innovation of financial products and settlement methods, money laundering methods have become more and more complicated. The important role of commercial banks in the fund settlement system and the process of fund financing is often used by money laundering criminals, who cover up the original sources of their illegal funds through segregation and integration to achieve the purpose of money laundering. The anti-money laundering work of commercial banks plays a vital role in maintaining the stability of China's financial order. China's anti-money laundering work has long implemented the working concept of "rule orientation". The anti-money laundering work thinking of commercial banks is more to fulfill the hard standards of the regulatory system as the anti-money laundering work goal, to not be punished by the regulatory authorities as the anti-money laundering work achievement, ignoring the core task of anti-money laundering work to prevent money laundering activities and crack down on money laundering crimes. Commercial banks have the problem of insufficient effectiveness of anti-money laundering monitoring. Whether it is to fulfill the social responsibility of curbing money laundering crimes, or to prevent their own money laundering risks and promote stable operation, there is still much room for improvement. Since 2012, FATF (International Financial Action Task Force) has issued a new "International Standard for Anti-Money Laundering, Anti-Terrorist Financing and Anti-Proliferation Financing", further strengthening the anti-money laundering and anti-terrorist financing implementation measures under the risk-oriented concept. China's central bank has also further proposed to follow the "risk-oriented" regulatory thinking. The principle of "risk orientation" is to require financial institutions to effectively assess the money laundering risks they face, and then rationally allocate corresponding resources and take corresponding control measures in a light and important way. Based on the concept of "risk orientation", commercial banks need to scientifically and reasonably allocate their own anti-money laundering resources, evaluate their own money laundering risks, learn from internal and external anti-money laundering warning cases, effectively accumulate experience, and establish a set of money laundering risk monitoring system for customers, products and transactions. This paper takes Z Commercial Bank as the research object, analyzes the problems existing in its anti-money laundering risk management system, and then puts forward corresponding optimization measures. First of all, it introduces the theoretical basis of anti-money laundering, describes the common money laundering methods, summarizes the theoretical research on comprehensive risk management and anti-money laundering risk management of commercial banks at home and abroad, and puts forward the enlightenment of relevant theoretical research to this article. Secondly, it introduces the main contents of the anti-money laundering work of commercial banks in combination with the anti-money laundering supervision system, including customer identification, customer data and transaction record preservation, large-sum and suspicious transaction reports, etc. Thirdly, it reveals the problems existing in its anti-money laundering risk management system, and analyzes the causes of the problems based on the "rule-oriented" anti-money laundering work ideas. Finally, in view of the existing problems, This paper puts forward corresponding measures for Bank Z to construct a "risk-oriented" anti-money laundering management system from three aspects: management mechanism, duty performance operation and supervision and inspection. We will strive to change the anti-money laundering work from passive defense to quality control, from superficial compliance to substantial effectiveness, so as to realize the anti-money laundering work objectives of commercial banks to fulfill their obligations to prevent and crack down on money laundering crimes and prevent their own reputation and capital risks caused by money laundering threats.
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