Study On Optimization Of Anti-money Laundering Mechanism In China's Financial Industry

Money laundering is the most legal possession and use of upstream criminal proceeds through exchange rate conversion,storage location transition,source camouflage,and concealment of illegal income of offenders through various channels.Commercial banks have been known as frontiers of money laundering crimes for a long time.Anti-money laundering is aimed at preventing and suppressing money laundering criminal activities.The relevant judicial institutions,administrative departments,and financial authorities coordinate and cooperate with a regulatory system.The anti-money laundering system of western developed countries have been at a very mature stage after many years of practical experience,and have formed a reform trend of risk-based anti-money laundering supervision concept.In comparison,the development of China's financial industry anti-money laundering system is still immature,and it is in the transitional stage from the compliance-based to the risk-based concept.This paper studies the optimization strategy of anti-money laundering mechanism in China's financial sector,and deeply analyzes the requirements of financial institutions to build risk-based anti-money laundering mechanism,the connotation of financial institutions to build risk-based anti-money laundering mechanism,and the main anti-money laundering risk of financial institutions.Classification,how to identify and evaluate the risk of anti-money laundering and the classification of risk levels through analytic hierarchy process,and how to adopt different countermeasures according to different risk levels.This paper takes A commercial bank as the research object,analyzes the risk of A commercial bank's anti-money laundering risk,identifies and analyzes the risk of A commercial bank's anti-money laundering,and proposes targeted rectification measures for A bank's anti-money laundering risk and high risk factors.And summed up the inspiration of A bank anti-money laundering risk assessment to China's financial institutions to build anti-money laundering risk assessment mechanism.It is suggested that the fundamental way out for the anti-money laundering mechanism of financial institutions in China is to establish an anti-money laundering mechanism based on risk texts,which is more conducive to combating money laundering crimes more effectively,curbing the breeding of criminal activities,thereby stabilizing the healthy operation of the financial system,rationally optimizing the allocation of social resources,and gradually In line with national anti-money laundering standards.