美联银行反洗钱处罚案对我国反洗钱监管的启示

FinCEN对美联银行的反洗钱处罚体现了重视反洗钱工作机制建设、重视违反可疑交易报告规定情况、具体的处罚金额与违规行为的严重程度和机构自身的影响力相关等监管原则。启示我国反洗钱工作要加强对金融机构反洗钱内控机制建设的关注力度,处罚力度应与机构影响力结合,正确理解和处理处罚与监管的关系以及在大额和可疑交易报告的检查方面应注重系统性风险等。

FinCEN has recently exercised a penalty on Wachovia Bank for money laundry,which reflects the importance on the mechanism construction,on the suspicious transaction report and the impact of relevant supervisory rules. It also reflects the fact that our country should pay much attention on anti-money laundry,and the internal control system in the financial institutions be enforced. The stress should be laid on the penalty, the impact and the regulatory principles. When it comes to examination, it is understandable that there is system risk in large-sum transaction and suspicious transaction reports.