第三方支付的洗钱风险与防范

Risk of Money Laundering for Third-party Online Payment and Its Prevention measures

利用高科技手段支持第三方支付平台为用户提供更加快捷、便利的支付结算服务,是对我国传统结算方式的一场重要革命。然而,由于第三方支付平台具有隐蔽性、便捷性等特点,不法分子利用该平台进行非法洗钱活动愈演愈烈,不仅给当事人带来利益损失,而且给我国的反洗钱体系带来了严峻的挑战。本文阐述第三方支付市场的发展概况,剖析第三方支付平台洗钱行为表现形式及成因,提出强化第三方支付平台洗钱风险防范的对策建议。

Third-party payment market is in a stage of rapid development, provide more efficient and convenient payment and settlement services for users, the use of high-tech means to support third-party payment platform is on China's traditional way of clearing an important revolution. However, due to the third party payment platform has a hidden, convenient wait for a characteristic, criminals using the platform of illegal money laundering activities intensified, not only to the parties bring benefit loss, but also bring severe challenge to China's anti money laundering system. This paper describes the development of the third party payment market overview, analysis of the third party payment platform, the form of money laundering behavior and causes, and put forward to strengthen the third party payment platform to prevent money laundering countermeasures.