The Countermeasures Of Shenyang Commercial Bank Anti-money Laundering Work Study

Money laundering crime does great harm to the country and the financial industry, which disrupt the normal financial order and destroy the credit system of modern society, and eventually could trigger an financial crisis. Anti-money laundering in Commercial Banking is an important branch of anti-money laundering management system in China. The primary-level banking organization is the frontier of anti-money laundering, and the working quality is directly related to the commercial Banks anti-money laundering level.In this paper, we analyse the present and difficulties of the anti-money laundering in the view of the primary-level organizations of commercial banking, on the basis of the theory of government failure and the public sector strategic management theory, draw lessons from advanced experience at home and abroad, and give some suggestions according to how strengthening the internal management of the primary-level banking organizations and enhancing the level of anti-money laundering.The author thinks that the present stage of Shenyang commercial bank anti-money laundering exist the following problems:screening work quality is uneven, insufficient staff post configuration, technical means aging and difficult identification and so on. Through analyzes the cause of the problem, summed up the causes of these problems are mainly pursue benefit maximization of commercial bank, the international situation is diverse, and the public cooperation degree is not high. By using the theory of public management, draw lessons from the United States, Hong Kong and other countries and regions of anti-money laundering advanced experience, put forward the improvement project of "125", suggested that the grass-roots anti-money laundering work should establish a unified and scientific concept of anti-money laundering work, establish and improve the "double" anti-money laundering organization structure, optimization of anti-money laundering five daily operation mode. The author think the anti-money laundering work idea should be to "risk", anti-money laundering organization structure should be the separation run business and regulatory organization structure, we should strengthen anti-money laundering training system, adopt the centralized processing daily operation mode, update the technology platform, increase the propaganda to the public, establish rewards and punishment mechanism five aspects to optimize the anti-money laundering daily operation mode, and the feasibility of the scheme is analyzed. At the same time, in order to ensure the smooth implementation of the "125" plan puts forward to perfect the laws and regulations, establish information platform, improve the incentive mechanism countermeasures and suggestions.