保险洗钱的形式演进:成因与对策

Evolution,cause and countermeasures for methods of anti-money laundering of insurance industry in China

在银行业不断加大反洗钱力度的情况下,洗钱者开始将保险作为其新的洗钱工具。经过全行业的共同努力,我国保险业反洗钱已经取得了很大的成绩。但由于市场不成熟、法制不健全、政府官员和国有企业领导缺乏监督及国有资产所有者缺位等原因,保险业反洗钱的形势依然很严峻。保险业应完善规章制度,出台实施办法,搭建信息平台,健全组织体系,完善激励机制,开展国际合作,形成完整的反洗钱网络,使保险业免受洗钱侵蚀。

Under the challenge of persistently consolidating anti-money laundering measures in banking industry, the launderers begin to use insurance coverage as new laundering tools. The anti-money laundering in insurance industry of China has made great progress after the co-efforts of all members in the industry. Because of incomplete market, non-perfected laws and regulations, and defects of regulations on restricting governmental officials and state-owned enterprises leaders and the owners of state-owned assets, however, the situation of anti-money laundering in insurance industry is still serious. Insurance industry should perfect laws and regulations, make implementing measures, set up information platform, perfect organization system and incentive mechanism and cooperate with international organizations so that the complete net for anti-laundering can be formed to avoid loss in insurance industry from money laundering.