英国替代性汇款监管的经验及其对我国的启示

Supervision on Alternative Remittance System (ARS) in Britain:Experiences and Implications

本文首先介绍了英国对于替代性汇款的定义和立法过程以及监管替代性汇款的组织体系与措施,在分析英国商业银行在替代性汇款方面的甄别原则、相关法律义务和客户身份识别方法以及监测替代性汇款经验的基础上,提出完善我国替代性汇款监管体制的建议,包括构建基础信息提供机构体系、加强反洗钱机制及组织框架的建设、加强与被监管机构的沟通和反馈、充分利用外汇管理现有非现场数据系统利用率等。

This paper firstly introduces defintion of ARS in Britain, its legislation procedure and framwork and eountermeasurs of ARS. Then it analyzes screening rule of ARS for commercial banks, relevant legislation obligations, customer indentification methods and monitoring practices of ARS. Based on that, this paper puts forwrad suggestions to improve ARS supevision in China, which include establishing basic information providing entitiy system, intensifying AML mechanizm and organization framework construction, strengthening eomnmnicaiton and feedback between supervisors and supervisees, making full use of off-field data system etc.