国际反洗钱监管最新趋势及中资银行应对建议

Latest Trends in International Anti-Money Laundering Regulations and Recommendations to Chinese Banks

国际反洗钱监管呈现出以下最新趋势:反洗钱内涵扩大,与国家战略利益联系日益紧密;监管渠道和监管对象拓宽;监管前移,KYC成为重点;执法力度趋严。中资银行反洗钱监管压力增大,内部原因包括合规意识不强、信息系统建设滞后、制度缺失、人才不足等,外部原因则包括中资银行国际地位上升,欧美国际推行保护主义和单边主义。为有效防范、化解并处置境外反洗钱合规风险,中资银行应全面提高合规意识和能力水平,建立差异化的反洗钱合规管理体系,提升金融科技的支持能力,设立专业团队,总结经验依法维权,积极参与国际交流。

The international anti-money laundering supervision shows the following trends lately:the connotation of antimoney laundering is expanding,and it is increasingly connected with national strategic interests;the supervision channels and supervision targets are widening;the supervision is moving forward,and KYC has become the focus;law enforcement has become stricter.The pressure of anti-money laundering supervision on Chinese banks has increased.Internal reasons include weak compliance awareness,lagging information system construction,lack of systems,and insufficient talents.External reasons include the rise in Chinese banks’international status,the Europe and the United States promoting protectionism and unilateralism.In order to effectively prevent and resolve the overseas anti-money laundering compliance risks,Chinese banks should comprehensively improve compliance awareness and ability,establish a differentiated anti-money laundering compliance management system,improve fintech support capabilities,set up professional teams,summarize experiences in safeguarding legal rights,and actively participate in international communication.