A Commercial Bank Anti Money Laundering Risk Assessment And Control Strategy Research

With the development of economy,money laundering is rampant,criminals use the illegal funds of banks,disrupt the financial order,endanger the implementation of financial security and macroeconomic policy,and harm social stability and self-development.The banking industry is the main battlefield of combating money laundering,and should establish the anti-money laundering risk control measures to adapt to the business risk of the institutional scale,effectively perform the legal obligations of anti-money laundering.However,in the actual work,some commercial banks still exist the phenomenon of anti-money laundering management is not in place,the system is not perfect,and the high pressure anti-money laundering supervision situation.To identify the anti-money laundering risk of commercial banks,propose targeted anti-money laundering control strategies,help commercial banks establish and improve anti-money laundering mechanism,effectively fulfill anti-money laundering legal obligations,and have positive significance to social stability and self-development.In this paper,a commercial bank as the research object,using literature research,case study and qualitative analysis and quantitative analysis to study the risk of anti-money laundering.First,the relevant concepts are explained,and literature review on the anti-money laundering risk assessment and bank anti-money laundering control and control at home and abroad.Secondly,it analyzes the anti-money laundering risk and control status of a commercial bank,and finds out the problem of bank a anti-money laundering control.From the internal environmental risk,customer and product business risk,control measures effect risk,internal management supervision risk four aspects of bank a's anti-money laundering risk identification,the specific risk source: management mechanism risk,executive risk,organizational structure risk,customer risk,product risk,etc.Based on the anti-money laundering risk assessment system of bank a anti-money laundering risk source,divided the internal environment,customer and product business,control measures effect,internal management four risk assessment units,and wind Mushroom mushroom.Using the analytic hierarchy process,through each index normalization,index weight setting,a bank overall anti-money laundering risk quantification three steps to measure,and a bank has higher anti-money laundering risk,in which the internal environment,control measures,internal management and supervision risk,customer and product business risk level.Finally,according to the analysis results of anti-money laundering risk assessment,a bank anti-money laundering control strategy is proposed,mainly divided into four parts: strengthening internal control environment control,refining customer and product business money laundering risk management,strengthening control measures effect management and improving internal management supervision.