商业银行反洗钱管理机制探析——从扁平化管理模式的利弊权衡谈起

Commercial bank anti money laundering management mechanism probing——from flat management mode's advantages and disadvantages

近年来,商业银行反洗钱管理有采纳"扁平化管理"的趋势,但是由于反洗钱工作与其他业务条线工作的差别,"扁平化管理"并不能够充分发挥其作用。要想真正提高商业银行的反洗钱管理水平,关注的重点不是结构问题,而是制度问题。只有从制度上入手,改变反洗钱工作在银行工作中的边缘地位,才是反洗钱工作改革的方向。

Commercial Bank anti-money laundering management inclined to adopt＂ flattening management＂ for the past years.But as a result of the differences between anti-money laundering business and other business lines,flattening management cannot fully play its role.To improve anti-money laundering management level of the commercial banks,more attention should be paid to the institution,rather than the structure. Converting the role of the anti-money laundering in the business of the banks,which is in the edge position,is the correct orientation of the reform.