Business Banks International Trade Settlement Anti Money Laundering Risk Management Research

Economic globalization not only brings the prosperity of international trade but also has brought increasingly rampant transnational money laundering crime, money laundering situation facing severe challenges unprecedented and unrepeatable. Source and destination in money laundering organization by way of international trade surface legitimate to cover up illegal funds. The flow of funds not only need a carrier also need to implement some form of international settlement, is the realization of the illegal funds from the starting point to end point means, so trade is closely related to money laundering and international trade settlement. The criminals through international trade settlement way to make illegal money transfer and conversion to repeated laundering objective.Due to historical optimal use of credit and international remittance of these two kinds of settlement for a long time, so the criminal organization is most familiar with and master the two settlement money laundering risks. This paper focuses on the study of the two most important international settlement risk of money laundering. From a legal point of view, credit, product design operation angle, analyzes the credit risk of money laundering, from a system perspective, international remittance operation system point of view, foreign exchange management policy, occupation moral angle analysis of the existing international remittance business risk of money laundering. And from the system construction, the construction of the internal control system, reform, foreign exchange management policies to strengthen anti money laundering training staff for several aspects of research on anti money laundering risk management strategies.At present, China’s anti money laundering mechanism is flawed, the internal control of financial institutions has not put in place, and because of differences in national laws, international cooperation is also a certain degree of difficulty, which not only to the financial institutions anti money laundering work caused great obstacles, also accelerated the further deterioration of the international trade settlement money laundering risk. So speeding up the anti money laundering legal system construction, perfecting the internal control system of financial institutions, especially banks, promote international cooperation is not to be ignored for attacking and inhibition of the international settlement risk of money laundering.