大数据技术在第三方支付机构反洗钱监管领域的应用研究

Research on the Application of Big Data Technology in the Field of Anti-money Laundering Supervision of Third Party Payment Institutions

第三方支付平台的快速发展和广泛应用,使其逐渐成为洗钱犯罪的隐蔽场所。传统的反洗钱监管方式已经不能适应新形势的要求,大数据技术为反洗钱防控拓展了新的空间。通过对第三方支付平台洗钱风险的分析,探讨了大数据技术+支付数据的反洗钱监管思路,并且针对第三方支付数据的类型和特点,给出了大数据挖掘技术在反洗钱监管中的应用方法。

The rapid development and wide application of the third party payment platform make it a hidden place for the crime of money laundering. The traditional way of anti-money laundering supervision can not meet the demands of the new situation. Big data technology has opened up new space for anti-money laundering prevention and control. With the analysis of the risk of money laundering on the third party payment platform, this paper proposes the supervision ideas of the big data technology plus payment data. In view of the types and characteristics of the third party payment data, the author puts forward the application method of the big data mining technology in the anti-money laundering supervision.