本文關(guān)鍵詞：銀行風險為本反洗錢監(jiān)管對策研究　出處：《華中科技大學》2012年碩士論文　論文類型：學位論文

  更多相關(guān)文章： 反洗錢 風險為本 法人監(jiān)管 分層管理

【摘要】：反洗錢與反恐怖融資是近年來國際社會普通關(guān)注的熱點問題。我國自反洗錢工作全面開展以來，經(jīng)過幾年的努力，反洗錢工作成效顯著，并獲得國際社會的認可。 隨著洗錢手法的不斷演化和我國金融機構(gòu)及金融業(yè)務(wù)的迅猛發(fā)展，監(jiān)管資源相對有限、金融機構(gòu)合規(guī)成本增加等矛盾日益突出。同時出于遵循國際標準、適應(yīng)國際反洗錢新形勢的要求，我國開始了基于風險的反洗錢工作改革，，并進行了大量的工作嘗試。如何探索建立適合我國國情的風險為本反洗錢監(jiān)管機制，如何全面有效推進風險為本反洗錢監(jiān)管是現(xiàn)階段的反洗錢重點工作。 本文對國際、國內(nèi)反洗錢監(jiān)管的主要形勢，風險為本反洗錢監(jiān)管原則和原理進行了基本分析，闡述了開展風險為本反洗錢監(jiān)管的必然性和必要性。同時分別對湖北省轄內(nèi)銀行機構(gòu)推行反洗錢工作方法和監(jiān)管單位開展風險為本監(jiān)管實踐現(xiàn)狀和問題進行了系統(tǒng)分析，在分析的基礎(chǔ)上，指出實施法人監(jiān)管模式下的分層監(jiān)管是實現(xiàn)全面有效推進風險為本反洗錢監(jiān)管的有效途徑，并針對風險為本監(jiān)管實踐中存在的問題提出建立風險為本反洗錢制度體系、實行反洗錢崗位準入機制、根據(jù)洗錢類型報送可疑交易、構(gòu)建信息共享平臺等其他對策。 本文的核心部分包括設(shè)計了法人監(jiān)管下的分層監(jiān)管并提出了其他全面有效推進分風險為本反洗錢監(jiān)管的建議和對策。其中在分層監(jiān)管設(shè)計中，充分結(jié)合風險為本監(jiān)管程序，分別對金融機構(gòu)法人機構(gòu)和分支機構(gòu)的風險識別、風險評估和風險管理進行了探討，為推廣法人監(jiān)管模式下的分層監(jiān)管提供了基礎(chǔ)性的依據(jù)。
[Abstract]:Anti-money laundering and anti-terrorist financing are hot issues of international concern in recent years. Since the anti-money laundering work has been carried out in an all-round way, after several years of efforts, anti-money laundering work has achieved remarkable results. And the recognition of the international community. With the continuous evolution of money laundering techniques and the rapid development of financial institutions and financial business in China, regulatory resources are relatively limited, financial institutions compliance costs increase and other contradictions become increasingly prominent. At the same time, to comply with international standards. In order to meet the requirements of the new international anti-money laundering situation, China has started the reform of anti-money laundering based on risk, and has made a lot of efforts. How to explore how to establish a risk-oriented anti-money laundering regulatory mechanism suitable for the national conditions of our country. How to effectively promote the risk-based anti-money-laundering supervision is the key work of anti-money-laundering at this stage. In this paper, the international and domestic anti-money laundering supervision of the main situation, risk-based anti-money-laundering supervision principles and principles are analyzed. This paper expounds the inevitability and necessity of carrying out risk-based anti-money laundering supervision. At the same time, it makes a detailed analysis of the present situation and problems of the practice of carrying out the anti-money laundering work method and the risk oriented supervision practice in the banking institutions under the jurisdiction of Hubei Province. General analysis. On the basis of the analysis, it is pointed out that the implementation of hierarchical supervision under the mode of legal person supervision is an effective way to comprehensively and effectively promote risk-oriented anti-money laundering supervision. Aiming at the problems existing in the practice of risk-based supervision, this paper puts forward the establishment of risk-based anti-money laundering system, the implementation of anti-money laundering post access mechanism, and the reporting of suspicious transactions according to the type of money-laundering. Build information sharing platform and other countermeasures. The core part of this paper includes the design of hierarchical supervision under the supervision of legal persons and put forward other comprehensive and effective suggestions and countermeasures to promote risk-based anti-money-laundering supervision. In this paper, the risk identification, risk assessment and risk management of corporate and branch institutions of financial institutions are discussed. It provides the basic basis for promoting the hierarchical supervision under the legal person supervision mode.
【學位授予單位】：華中科技大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.1

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