浅谈区块链技术在反洗钱客户身份识别工作中的应用与展望

Application and Prospect of Block Chain Technology in Anti-money Laundering Customer Identifi cation

当前,国内银行机构反洗钱客户身份识别工作仍存在各自采集和审核客户身份信息、客户身份识别工作效率低、尽职调查难度大、信息重复录入、数据更新不及时及无法共享、监管工作效率低、合规成本急剧上升等较多问题。而随着密码学和互联网技术的迅速发展,区块链技术的特点及其在反洗钱监管工作中的应用,正好能有效解决以上难题。本文通过对应用区块链技术加强反洗钱客户身份识别工作进行思考,并提出相关建议。

At the moment,there are still many problems in the work of anti-money laundering customer identifi cation of domestic banking institutions,such as collecting and auditing customer identifi cation information,low efficiency of customer identification,difficult due diligence,repeated entry of information,untimely and unshared data updating,low efficiency of supervision and sharp rise of compliance cost.With the rapid development of cryptography and Internet technology,the characteristics of block chain technology and its application in anti-money laundering supervision work can effectively solve the above problems.In this paper,the application of block chain technology to strengthen anti-money laundering customer identifi cation work,and put forward relevant recommendations.