我国银行业洗钱风险管理体系框架及机制构建研究——基于巴塞尔协议风险监管框架分析

Study on Money-Laundering Risk Management Framework and Mechanism of China’s Banking Industry:Based on the Analysis of Basil Agreement Risk Supervision Framework

有效的洗钱风险管理是金融机构安全、稳健运行的基础。本文基于巴塞尔协议风险监管框架对中国银行业洗钱风险管理进行研究。从巴塞尔协议风险监管理论基础、发展变化及框架内容三个层次对银行业洗钱风险管理进行审视和对比,总结梳理我国银行业洗钱风险管理运行机制存在的问题,提出从监管标准、监督检查、信息披露三个层面建立我国银行业洗钱风险管理战略发展机制的建议。

Effective money-Laundering risk management is the foundation of safe and stable operation for financial institutions.Based on the Basil Agreement risk supervision framework, this paper studies the risk management of money laundering in China’s banking industry. Comparing and reviewing the fundamental of the Basel Agreement risk regulation theory, the development of change and the framework of content, this paper summarizes the problem of Money-Laundering risk management mechanism of China’s banking industry, and establish development mechanism of banking industry’s Money-Laundering risk management from the perspective of regulatory standards, supervision and inspection, and information disclosure.