新型地下钱庄洗钱犯罪的特点及应对策略研究

Research on the Characteristics of and Countermeasures against New Illegal Banks'Money Laundering

随着互联网技术迅猛发展,地下钱庄洗钱犯罪手法不断翻新,不法分子利用虚拟货币、游戏代币等转移资金,实现赃款的“洗白”。新型地下钱庄洗钱犯罪呈现出交易匿名化、资金通道复杂、资金洗兑速度快、作案人员高智高能、涉及地域不断蔓延、跨境洗兑频繁等特征。对此,应通过坚持大数据侦查思维,革新资金分析与查控技术,推进专业队伍建设,健全协作机制等途径提升打击新型地下钱庄洗钱犯罪能力,维护国家金融安全。

With the internet technology developing rapidly,illegal banks'money laundering methods are constantly being renovated,and criminals use virtual currencies,game tokens,and other means to transfer funds and to"launder"their illegal funds.The new type of llegal banks'money laundering has such characteristics as anonymous transactions,complicated fund flowing channels,fast fund laundering speed,perpetrators'high intelligence and competency,continuous geographical spread,and frequent transnational laundering.Accordingly,greater efforts should be made to improve the competence to combat new illegal money laundering by adhering to the big data investigation methodology,innovating fund analysis and control technologies,promoting professional team building,and bettering cooperation mechanisms so as to maintain national financial security.