The Individual Client Identification For Anti-money Policy Research In China

With the rapid development of social economy,our country market economy gradually merge with the global economic system constantly,the financial service innovation,all kinds of funds through financial settlement between transnational,cross-regional transfer.Modern financial internationalization determines the money laundering crime also has the characteristics of internationalization.Money laundering is increasingly rampant in the world political,economic,has caused great influence,become a breeding ground for corruption,smuggling,drug trafficking,terrorist,such as a hotbed of crime,money laundering has become the world's governments focus,is indispensable to the government of an important link,to maintain a country's political stability and economic order,and the people life all has the extremely vital significance.Anti-money laundering legislation in the countries all over the world and the international anti-money laundering standards,the three basic systems of internationally recognized money laundering prevention measures are customer identification system,large and suspicious transactions reporting system,customer id information and transaction record keeping system,this is also the basic obligation that financial institutions should fulfill the anti-money laundering responsibilities.Customer identification is the basis of the financial institutions in anti-money laundering,and financial institutions have been the most difficult for anti-money laundering work.Therefore the government of the people's bank of China and the China banking regulatory commission issued by the administrative departments of a series of regulatory policy around the customer identification.In this paper,the people's Bank of China and the China Banking Regulatory Commission issued on the identity of the individual customer identification policy as the research object,the anti money laundering personal identification of the content and implementation of the policy to study the effect of.This article from the process of policy making,policy,policy implementation and policy implementation effect,from the scope of supervision,supervision object,supervision procedure and supervision based on analysis of the existing policy,the current financial institutions to carry out the client identification problems existing in the related policy and the reasons were discussed,to analyze the effectiveness of regulatory policy,and from the improvement of the personal account information,set between the government departments of information sharing mechanism,strict implementation of the system and the improvement of the individual account management policy put forward suggestions to perfect the client identification policy,to provide a more effective customer identification system in the execution of financial institutions,to further strengthen the anti-money laundering work.