商业银行反洗钱工作难点与自身应对策略研究

The Research on Issues and Strategies of Anti Money Laundering in Commercial Banks

本文从我国商业银行反洗钱工作的现状出发,深入分析影响银行反洗钱工作的不利因素,结合国内外洗钱形势的变化和外部监管的新要求,探索提升商业银行反洗钱工作成效的方法与举措,并以完善商业银行内部管理机制的视角,为下一步反洗钱工作的模式变革和效能激发提供对策与建议。

This article is based on the current status of anti-money laundering in Chinese commercial banks,and it conducts an in-depth analysis over the negative factors influencing the anti-money laundering by banks.Taking into account the changes of money-laundering issues both home and abroad,the new requirements of external audit,the paper explores new methods to improve the performance of anti-money laundering in commercial banks.Furthermore,from the perspective of improving the internal management mechanism,we offer comments and strategies for the future anti-money laundering working pattern reform and effectiveness incentives.At last,we appeal that the whole society should gather its strength to actively assist the commercial banks in fulfilling its legal responsibility over anti-money laundering activities.