Research On Anti Money Laundering Supervision Of China's Internet Financial Model

In recent years,based on the continuous progress of network technology and mobile network technology,from the beginning of 2012,China has emerged a large-scale financial innovation scene,which is known as the first year of Internet banking.The general development of Alibaba Group's financial model to come to the fore in the Internet,P2P platform,the third party payment constantly improve development and raise public websites,the rise,makes our country's Internet banking model has been slowly forming.In the rapid development of Internet banking at the same time,there are many risk issues,a serious obstacle to the development of Internet banking in China.These risks include money laundering risk,systemic risk,credit risk,liquidity risk,legal risk and market risk.In the above risks,money laundering risk on the market stability of the financial market,financial institutions and the market economy,reputation and order and other aspects of the transaction process has an important impact.Therefore,in the process of gradual increase in the pace of global economic integration,we must pay special attention to the issue of money laundering.Internet financial money laundering is mainly through the third party payment platform,investment and financing platform,financial products and the Internet to raise public and so on.Compared with the early means of money laundering,now the Internet is fast and safe money laundering methods.This paper aiming at the phenomenon of money laundering crime more serious this situation on the network using Internet banking,in summary and summarized on the basis of domestic and foreign anti money laundering experience,combined with the specific pattern of China's Internet banking.The emphasis is put on the Internet banking anti money laundering supervision at basic level and extension level facing the difficult problems,such as lack of identity certification hindered the anti money laundering work of the struggle,hidden features are restricting the payment transaction process in the abnormal situation of supervision and inspection,long-distance trade convenience and global characteristics increase the between country and country of Anti Money Laundering Cooperation difficulty coefficient.At last,the paper puts forward some countermeasures and suggestions for anti money laundering policy makers.