地方法人金融机构洗钱风险自评估指标设计构想

Design Concept of Self Assessment Index for Money Laundering Risk of Local Corporate Financial Institutions

在当前洗钱、恐怖融资威胁日益严重的背景下,国际反洗钱监管原则逐渐由"规则为本"向"风险为本"转变。2014年11月,人民银行颁布的《金融机构反洗钱监督管理办法(试行)》规定法人金融机构应当建立风险自评估制度。本文旨在结合辖区基层法人银行机构实际,探索完善具有区域特色的金融机构洗钱风险自评估指标体系,以增强改进风险评估效果,推动提升法人金融机构反洗钱工作的有效性。

Under the background of the increasingly serious threat of money laundering and terrorist financing, the principle of international anti money laundering supervision has gradually changed from 'rule based' to 'risk based'.In November 2014, the People's Bank of China stipulated that legal person financial institutions should establish a risk self-assessment system. This paper aims to combine the physical truthof banking institutions, explore self evaluation index system,enhance the effectiveness of risk assessment results, promote financial institutions anti money laundering.