美国反洗钱监管案例研究

The Study on Cases of American Anti-money Laundering Supervision

近年来,美国以"长臂管辖"为依据,加大对其境内金融机构反洗钱监管力度。本文首先剖析了美国反洗钱监管模式,重点分析了其机构设置和金融情报等方面。其次,研究了近年来影响较为广泛的监管处罚案例,并对中资银行海外反洗钱问题进行了简要介绍。通过监管案例分析美国反洗钱监管特点,结合研究结论对我国反洗钱监管工作提出政策建议。

In recent years, the United States has made constant use of its strong political and economic status to strengthen the anti-money laundering supervision on its domestic financial institutions based on the＂long arm jurisdiction＂. The paper firstly analyzes American anti-money laundering supervision mode, and focuses on its institutional setting and financial intelligence. Secondly, the paper studies the cases of regulatory punishment in recent years which has a wide influence, and gives a brief introduction to the overseas anti-money laundering of Chinese banks. Through the analysis on the supervision cases, the paper summarizes the regulatory characteristics such as the highly efficient law enforcement, heavy punishment and persistent pursuit, and puts forward suggestions to the overseas anti-money laundering work of Chinese financial institutions. Finally, the paper puts forward some thoughts on the current situation of anti-money laundering supervision in China.