本文關鍵詞： 銀行 反洗錢 問題 對策　出處：《山西財經(jīng)大學》2012年碩士論文　論文類型：學位論文

【摘要】：洗錢是經(jīng)濟領域的嚴重犯罪,同時與其他犯罪活動相交織,對國家政治、經(jīng)濟和社會安全構成嚴重威脅。在經(jīng)濟領域,銀行成為社會資金運動的中樞,在促進經(jīng)濟發(fā)展的同時,也常常被犯罪分子利用進行洗錢及其他犯罪活動。縱觀國內(nèi)外洗錢案例,絕大多數(shù)洗錢犯罪是通過銀行提供的支付或其他中介服務完成了“黑錢”的清洗,銀行成為洗錢犯罪的高危領域。從這個意義上來說,銀行反洗錢意義重大。如何促進銀行業(yè)更為有效履行反洗錢職責,預防和監(jiān)測“黑錢”流入銀行系統(tǒng)進行清洗,并為打擊洗錢犯罪提供可靠信息情報,是當前提高我國反洗錢成效的重要環(huán)節(jié)。隨著銀行業(yè)反洗錢工作的深入開展,銀行在反洗錢工作中遇到的困難,存在的問題及反洗錢制度存在的缺陷日漸明顯,成為銀行業(yè)反洗錢進程中的突出障礙。本文通過對我國銀行業(yè)反洗錢現(xiàn)狀進行深入分析,指出當前我國銀行業(yè)反洗錢存在的主要問題和形成原因。同時通過對部分歐美及亞洲發(fā)達國家銀行業(yè)反洗錢狀況進行深入研究,學習反洗錢先進經(jīng)驗,并結合我國銀行反洗錢實際對存在的主要問題提出解決的對策和建議。
[Abstract]:Money laundering is a serious crime in the economic field and intertwined with other criminal activities, which poses a serious threat to the political, economic and social security of the country. In the economic field, banks become the centre of social capital movements, while promoting economic development. It is also often used by criminals for money laundering and other criminal activities. Looking at domestic and foreign cases of money-laundering, the vast majority of money-laundering crimes are accomplished through "money laundering" through payment or other intermediary services provided by banks. Banks have become a high-risk area for money laundering crimes. In this sense, banks have great significance in combating money laundering. How to promote the banking industry to perform its anti-money-laundering duties more effectively and to prevent and monitor the "black money" flowing into the banking system for laundering. And to provide reliable information and intelligence for combating money-laundering crime is an important link to improve the effectiveness of anti-money laundering in our country. With the development of banking anti-money laundering work, banks have encountered difficulties in anti-money laundering work. The existing problems and the defects of the anti-money laundering system are becoming a prominent obstacle in the process of anti-money laundering in the banking industry. This paper makes a thorough analysis of the present situation of the banking anti-money laundering in China. This paper points out the main problems and causes of anti-money laundering in China's banking industry at present. At the same time, through the in-depth study on the situation of anti-money laundering in some developed countries in Europe, America and Asia, the author studies the advanced experience of anti-money laundering. Combined with the practice of anti-money laundering in Chinese banks, some countermeasures and suggestions are put forward to solve the existing problems.
【學位授予單位】：山西財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2

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本文編號：1553843