商业银行反洗钱工作存在的问题及解决对策

Problems in Anti-money Laundering of Commercial Banks and Their Solutions

大量的案例和监管实践表明,商业银行日常经营管理面临较大的洗钱风险。商业银行是我国反洗钱工作的前沿阵地,承担着客户身份识别、可疑交易报告等反洗钱基本义务。商业银行反洗钱工作的缺位将直接影响我国反洗钱工作质效。本文从商业银行反洗钱工作现状出发,结合商业银行面临的外部监管动态,分析指出商业银行反洗钱业务存在的具体问题,并据此提出了相应的改进建议。

A large number of cases and supervision practices show that commercial banks face greater risks of money laundering in their daily operations and management.Commercial banks are the forefront of my country’s anti-money laundering work and undertake basic anti-money laundering obligations such as customer identification and suspicious transaction reporting.The absence of anti-money laundering work in commercial banks will directly affect the quality and effectiveness of my country’s anti-money laundering work.Starting from the current situation of commercial banks’anti-money laundering work,this article analyzes and points out the specific problems of commercial banks’anti-money laundering business,combined with the external supervision dynamics faced by commercial banks,and proposes corresponding improvement suggestions accordingly.