风险为本前提下反洗钱大额交易和可疑交易报告研究--以河南省改革试点为例

By Taking the Reform Pilot in Henan Province as an Example

选取河南省不同规模的反洗钱试点金融机构,对其反洗钱大额交易和可疑交易试点情况进行分析。分析结果表明:反洗钱大额交易和可疑交易改革工作,不应整体推进。金融机构应根据自身规模大小、反洗钱工作质量高低,分步分批进行;中国人民银行应根据各金融机构情况,采取不同的监管策略。

By choosing the different scale of the anti-money laundering pilot financial institutions in Henan province, the author analyzed the situation of those anti-money laundering large sum transaction and doubtful transaction pilot. And the result showed that the reform work of anti-money laundering large sum transaction and doubtful transaction should not advance on the whole. The financial institu-tions can be partial step by step according to self size and different anti-money laundering work equali-ties. At the same time, the PBOC should take different regulatory policy according to the different situa-tions of each financial institutions.