联系我们

论文查询结果	返回搜索

论文编号：	9013
作者编号：	2120142625
上传时间：	2016/12/19 10:09:50
中文题目：	上海银行反洗钱对策研究
英文题目：	Research on the countermeasures of anti-money laundering of Bank of Shanghai
指导老师：	王曼舒
中文关键字：	反洗钱；内部控制；对策；上海银行
英文关键字：	Anti-money laundering; internal control; countermeasures; bank of shanghai
中文摘要：	洗钱犯罪严重破坏我国社会、经济和金融秩序，严重破坏银行等金融机构商誉，严重破坏经济社会正常有序发展。在我国洗钱犯罪中，以金融机构为依托是其明显标志。虽然我国经济体量巨大，早已越局世界第二，但经济质量与发达国家仍有明显差距。金融行业也处于分业经营的初级阶段，银行等金融机构仍然是我国支付结算和资产转移的主要途径。各大商业银行为发展自身业务提升自身竞争力，逐渐降低甚至取消汇款、跨行取款等手续费。由于洗钱犯罪主要依托金融机构，金融机构中又以商业银行所占比例最大，因此能否有效落实银行反洗钱工作成为我国反洗钱工作的重中之重。随着我国《反洗钱法》的出台，各商业银行积极落实反洗钱内控制度，但由于我国反洗钱起步较晚及商业银行自身发展的原因，我国商业银行反洗钱制度在诸多方面需要完善。因此，本文从上海银行角度对反洗钱对策进行研究，从上海银行实践出发找到问题所在，究其问题原因，提出可行性建议，并确保对策优化有效实施。本文共分为六个章节:第一章介绍了本文的选题背景和选题意义、研究内容和研究框架、研究方法和创新点。第二章介绍了洗钱与反洗钱的概念、相关理论和相关文献;第三章介绍了上海银行反洗钱现状;第四章为上海银行所存在问题提出优化建议;第五章讲述上海银行反洗钱对策如何实施与保障。其中第四章和第五章是本文的重点，第六章为研究结论和发展方向展望。上海银行等商业银行反洗钱问题可集中概括为：由于商业银行作为被监管机构与人民银行等监管机构存在逆向选择的问题，即商业银行若加大反洗钱投入，势必导致其研发成本、人力成本的增加，同时还面临客户流失的风险，因此作为以盈利为目的的商业银行通常对反洗钱的态度是消极的。本文试图打破此恶性平衡为上海银行反洗钱建设提出建议对策：一是人民银行为提高商业银行反洗钱积极性需对认真落实反洗钱工作的金融机构和个人予以奖励。二是商业银行应加强同业之间与管理层的信息交流，完善信息披露共享机制，提高大额交易和可疑交易上报质量。三是完善反洗钱内控制度，细化客户身份识别细则，使客户风险等级划分合理有效，建立风险为本的反洗钱内控管理模式。四是优化反洗钱组织结构，建立复合型反洗钱人才队伍。五是优化反洗钱监测系统，提高交易报告上报准确性，降低人为因素干扰，同时加强对网上银行等创新型金融工具的监管。为保障反洗钱对策有效运行，应建立相应的反洗钱机制：一是建立监管机构反洗钱奖惩机制。银行反洗钱工作能否有效开展是由反洗钱工作的成本收益比较决定的。如果银行消极开展反洗钱工作的所付出的处罚成本小于潜在客户带来的收益，那么态度必然是消极的。对此，人民银行应加大对反洗钱工作开展不利的银行处罚，同时对认真落实反洗钱工作的金融机构予以奖励，商业银行既防范了风险，又得到利益补偿，充分调动了商业银行反洗钱工作积极性。二是建立商业银行信息共享机制。应在人民银行的牵头带领下，各商业银行整合反洗钱数据资源，设置反洗钱银行同业黑名单，降低各行获取客户信息成本，提高反洗钱执行效率。三是扩大洗钱上游犯罪范围。借鉴国际先进经验，逐渐扩大洗钱上游犯罪的范围要求，上游犯罪范围应至少包括获取非法利益的主要途径。同时拓宽可能存在洗钱的领域，不能将洗钱局限在金融范畴，建设覆盖各行业的反洗钱防线。本文研究局限性在于：商业银行反洗钱存在问题虽具有普遍性，但没有一种方法是放之四海而皆准的，应对具体问题具体研究。因此，本文的政策建议仅针对上海银行反洗钱开展情况的特例，对于其他商业银行反洗钱工作未必有效。此外，由于外部环境可能会发生改变，本文是基于定量定性分析为基础得出的结论，一旦外部影响因素变化，可能导致结论准确性降低，因此本文仅能作为上海银行反洗钱工作的参考。本文试图对上海银行反洗钱工作存在问题给出建议，但仅仅局限于日常工作常见的几种情况，还需在多个方面进一步展开研究：一是反洗钱领域涉及各行各业多个领域，不能只关注金融行业的反洗钱研究，更不能脱离其他行业领域单独研究银行业反洗钱工作，应对反洗钱工作做系统研究。二是金融创新工具层出不穷，本文对创新型金融工具反洗钱监控措施研究还处于研究阶段，对非面对面客户身份识别的准确性还有许多难点未解决，仍需进一步研究。
英文摘要：	Money laundering crime serious damage to China's social, economic and financial order, serious damage to Banks and other financial institutions to goodwill, serious damage to the normal and orderly development of economy and society. Money laundering crime in our country, based on financial institutions is the obvious mark. Despite the massive economy in our country, the bureau of the world, but the quality still have obvious gap with the developed countries. Financial industry in the early stages of decentralized management, Banks and other financial institutions is still the main approach to payment settlement and transfer assets in China. Each big commercial Banks to raise their competitiveness for the development of their own business, gradually reduce or even cancel the remittance, privilege and other fees. Due to money laundering crime mainly relying on financial institutions, financial institutions and in proportion of the largest commercial Banks, thus can effectively implement the bank's anti-money laundering work become the anti-money laundering work of top priority. The anti-money laundering law, along with our country commercial Banks to actively implement the anti-money laundering internal control system, but as a result of anti-money laundering in China started relatively late and the development of our commercial Banks reason, our country commercial bank in many aspects need to improve the anti-money laundering system. Therefore, this article from the perspective of Shanghai bank, money laundering countermeasure research, from the practice of Shanghai bank found the problem, investigate its question, put forward feasible Suggestions, and ensure the effective implementation countermeasures optimization. This paper will be divided into six chapters: the first chapter of this article selected topic background and the selected topic significance, the research content and research framework, research methods and innovations. The second chapter introduces the concept of money laundering and anti-money laundering, related theories and literature; The third chapter of the current situation of Shanghai bank anti-money laundering; The fourth chapter optimization Suggestions put forward by bank of Shanghai; The fifth chapter tells Shanghai bank anti-money laundering countermeasure how to implement and guarantee. The fourth chapter and the fifth chapter is the focus of this article, chapter 6 conclusion for research and development direction of outlook. Shanghai bank and commercial Banks anti-money laundering problem can be summarized as: due to the commercial bank as the regulated institutions and the people's bank regulator has the problem of adverse selection, namely commercial Banks if increasing the financial input in anti-money laundering, is bound to lead to increased its cost, manpower cost, also faces the risk of customer churn, so as a for-profit commercial Banks usually for anti-money laundering attitude is negative. This article attempts to break this vicious balance proposed countermeasures for Shanghai bank anti-money laundering construction: one is to improve the commercial Banks of the people's bank of anti-money laundering enthusiasm to earnestly implement the anti-money laundering work of financial institutions and personal reward. 2 it is commercial Banks should strengthen the exchange of information between peers and management, improve the disclosure of information sharing mechanism, improve the quality of the big deals and suspicious transactions reporting. 3 it is to improve the anti-money laundering internal control system, detailed customer identification rules, make reasonable and effective customer risk hierarchies, establish a risk for the anti-money laundering internal control management model. Four is to optimize the anti-money laundering organization structure, the establishment of anti-money laundering talents team. Five is to optimize the anti-money laundering monitoring system, improve the report accuracy, reduce man-made factors interference, at the same time to strengthen the supervision of innovative financial tools such as online banking. To protect anti-money laundering countermeasures for effective operation, should establish corresponding anti-money laundering mechanism: one is to establish rewards and punishment mechanism of anti-money-laundering in the regulator. Banks can effectively carry out anti-money laundering work is determined by the cost benefit comparison of anti-money laundering work. If Banks carry out the work of anti-money-laundering negative penalty cost that is paid less than the benefit from the potential customers, so must be a negative attitude. To this, the people's bank of China should be more adverse to the anti-money laundering work of the bank, at the same time to earnestly implement reward anti-money laundering work of financial institutions, commercial Banks to guard against the risk, and benefit compensation, fully mobilize the enthusiasm of commercial bank anti-money laundering work. The second is to build a commercial bank information sharing mechanism. Should be in under the lead of the people's bank, commercial Banks integrate anti-money laundering data resources, set up the anti-money laundering interbank blacklist, all customer information to reduce costs, improve the efficiency of anti-money laundering execution. 3 it is to expand the scope of upstream crime of money laundering. Draw lessons from international advanced experience, gradually expand the scope of upstream crime of money laundering requirements, the scope of upstream crime should include at least the main way to obtain illegal interests. At the same time broaden the field may be at risk for money laundering, money laundering can not be limited in financial category, the construction of covering anti-money laundering industries. In this paper, we study the limitations is that commercial Banks anti-money laundering problems are universal, but there is no one way is to put all, dealing with the specific research. Therefore, policy Suggestions of this article is only in view of the Shanghai bank anti-money laundering in a special case of the situation, for the other commercial Banks anti-money laundering work may not be effective. In addition, due to the external environment may change, this article is based on qualitative analysis, the conclusion on the basis of quantitative change once the external influence factors, may lead to the conclusion the accuracy is reduced, so this article only as a reference of Shanghai bank anti-money laundering work. This article attempts to the bank of Shanghai anti-money laundering work problems give advice, but only limited to the daily work of several common situation, still need further study in multiple ways: one is the field of anti-money laundering involves multiple areas in all walks of life, not only focus on financial sector anti-money laundering research, more research alone cannot be separated from other industry field banking anti-money laundering work, dealing with the anti-money laundering system research work. Second, the financial innovation tools emerge in endlessly, in this paper, the innovative financial tools anti-money laundering monitoring research is still in research stage, to the face to face there are many difficulties in outstanding customer identification accuracy, still needs further research.
查看全文：	预览  下载(下载需要进行登录)