新技术在网络洗钱中的应用及中国的应对

Application of New Technologies to Cyber-Laundering and China's Response

在网络洗钱的四种主要支付模式中,技术都发挥了不可或缺的作用。以网络银行、网络赌场和网络第三方支付平台为例分析网络洗钱的原理,介绍打击网络洗钱的主要风险管理手段,以及中国政府应对网络洗钱的举措。中国政府在预防和打击网络洗钱的立法层级、立法涵盖面,以及相应的风险管理手段的要求等方面还有改进的空间。

Technology plays an indispensable role in the four main payment modes of cyber-laundering. This article analyzes the mechanisms of cyber-laundering with online banks, Intemet casinos and the third-party payment platform as examples, and introduces main risk management measures for tackling cyber-laundering, as well as measures against cyber-laundering taken by the Chinese government. The article concludes that to prevent and combat cyber-latmdering more effectively, the Chinese government has much to do for improvement in such aspects as legislation level, legislation coverage and corresponding requirements for risk management in this regard.