金融业反洗钱监管方式的国际比较与启示

A comparison and review on international anti-money laundering monitoring measures in the financial industry

近年来,发达国家金融业反洗钱监管出现了由"规则为本"反洗钱方式向"风险为本"反洗钱方式的转变。该文回顾了近年来我国金融业反洗钱工作取得的成绩,在对两种反洗钱监管方式进行分析和比较的基础上,提出我国应从战略角度推动风险为本方法的实施,制定指引以明确风险为本的反洗钱监管要求,加强对洗钱风险可能性模型及计量方式的研究,并重点开展对反洗钱内控措施有效性的评价。

In recent years, anti-money laundering monitoring has been changed from rule-based measures to risk-based measures in developed countries. This paper reviews the anti-money laundering performance in China＇s financial industry, and compares the two anti-money laundering monitoring measures. It suggests that China should strategically promote the implementation of risk-based measures, constitute guidance to define the monitoring requirements, develop a likelihood model of money laundering risks and how the risks are measured, and pay more attention to the evaluation of effectiveness of anti-money laundering internal control measures.