金融机构如何在支持“一带一路”建设的同时防范洗钱和制裁风险?--以某股份制银行Z分行2019年度高风险国家业务为例

How Can Financial Institutions Guard Against Money Laundering and Sanctions While Supporting the“The Belt and Road Initiative”Construction?——Analysis of the Bank’s High-Risk Country Operations in 2019

2019年,某股份制银行Z分行国际业务蓬勃发展。但其在快速发展的同时,需要防范由于客户结构单一、国内外反洗钱监管趋严、国际制裁范围扩大所带来的经营风险、洗钱风险及制裁风险。为保持金融机构国际业务发展势头,不断拓宽经营思路,提高洗钱风险防范能力,本文以Z分行在高风险国家(包含受制裁国家和FATF公布的洗钱高风险国家)的业务审核记录为依据,对其2019年度高风险国家业务进行全量分析。分别从机构盈利能力、产品收益分布、客户产品偏好、业务主体风险等多个维度对其2019年度高风险国家业务进行解读,旨在探索金融机构未来高风险国际业务客户拓展方向、产品营销重点、新业务开发思路和洗钱风险管控要点,为国际业务持续稳健发展和"一带一路"建设保驾护航提供参考。

In 2019,a joint-stock bank Z branch’s international business is booming.However,at the same time of rapid development,it is necessary to guard against the business risk,money laundering risk and sanctions risk facing the expansion of the scope of international sanctions,the single customer structure,the tightening of anti-money laundering supervision at home and abroad.In order to maintain the good momentum of international business development,constantly broaden business ideas and improve the ability to prevent moneylaundering risks,the paper based on the high-risk country(including the sanctioned countries and FATF published high-risk countries)business audit records of Z branch,carry out a full-scale analysis of the 2019 high-risk country business.From the perspective of institutional profitability,product revenue distribution,customer product preference,business subject risk and other dimensions of the previous to make a year's high-risk country business interpretation,the aim is to explore the future direction of high-risk international business customer development,product marketing focus,new business development ideas and money laundering risk control points,to provide a reference for the sustained and steady development of international business and the escort of the“The Belt and Road Initiative”construction.