大数据在商业银行反洗钱的应用

Anti Money Laundering with Big Data Technologies in Commercial Banks

随着电子商务和移动互联网的发展,数据流量的持续增长和以双十一为代表的多种数据洪峰的出现,给商业银行传统的反洗钱手段带来了巨大的压力。海量交易数据下隐藏着各种洗钱行为,传统的反洗钱方式在应对持续增长的数据时越来越捉襟见肘。当前,大数据技术的发展为海量数据数据的收集、存储、处理等提供了技术支撑。本文分析了商业银行的反洗钱业务需求,从业务的角度对比研究当前大数据领域众多新技术,提出了一套实用、可扩展的反洗钱处理架构,并且提出了的大数据反洗钱的演进方向。

With the development of e-commerce and mobile Internet,the sustained growth of data traffic and a variety of data peak represented by 11.11 have brought great pressure on the traditional means of AML of the commer-cial banks.With a variety of money-laundering hidden under massive transactions,it’s getting more and more difficult for the commercial banks to find out the money-laundering transactions using the traditional way.At present,the de-velopment of big data technology provides technical support for the data collection,data storage,and data processing and so on.This paper analyzes the demand of anti money laundering in commercial banks,proposes a set of practical and scalable anti money laundering framework bases on the study of new technology in the field of big data,and summarizes the development direction of big data.