The Empirical Study On The Effectiveness Of Anti-money Laundering In State-owned Commercial Banks

In recent years,money laundering activities are increasingly rampant.There are more and more types of money laundering,higher and higher level of money laundering,and more and more extensive scope of money laundering.Money laundering not only destroys the global economic and financial order,but also affects the world's political and social security.In the 21st century,whether money laundering can be effectively controlled has become a comlon concern of the international communityAnti-money laundering is an important national function and the common responsibility and obligation of the international community.Anti-money laundering is of great strategic significance for combating money laundering and its upstream crimes.It is not only the objective need to maintain social security and stability,but also the weapon for countries to carry out political mediation and economic competitionFATF has made significant adjustments to international standards and methods of anti-money laundering,and the effectiveness of anti-money laundering has become the focus of evaluation.Commercial Banks are the core of China's anti-money laundering system.The anti-money laundering problem of commercial Banks is related to the overall effect of anti-money laundering in China,the international reputation of China and the development of global economic and trade strategyIn this paper,a systematic anti-money laundering related literature at home and abroad,on the basis of reference Wang BaoyUn scholar's research,combined with state-owned commercial bank L realistic problems existing in the work of anti-money-laundering based on anti-money laundering laws and regulations,anti-money laundering regulations,anti-money laundering internal control,cost of anti-money laundering,organization,leadership,staff,money laundering and anti-money laundering monitoring computer system method and skill nine dimensions for the research hypothesis,constructs the initial structural equation model.The questionnaire results of anti-money laundering staff in 16 branches of L state-owned commercial bank were taken as sample data The empirical results show that the above nine factors have a significant impact on the effectiveness of anti-money laundering.Among them,personnel factors have the most obvious impact on the effectiveness of anti-money laundering,and anti-money laundering cost has a negative impact on the effectiveness of anti-money laundering.According to the reality of anti-money laundering of commercial Banks in China,this paper puts forward some practical policy Suggestions on the effectiveness of anti-money laundering of state-owned commercial Banks in China.For example,improving anti-money laundering laws,regulations and related policies,implementing the risk-oriented anti-money laundering concept,strengthenning the bank internal control system,improving the quality of staff and so on.Thus,it makes a contribution to improving the effectiveness of anti-money laundering in China's state-owned commercial Banks.Anti-money laundering is a long-term and arduous work.In addition,the methods of money laundering crimes are increasingly changing,the working data are tedious and huge,and the suspicious transactions are difficult to be manually identified,which make the anti-money laundering work of state-owned commercial Banks face severe challenges.The prevention and control of anti-money laundering in state-owned commercial Banks still has a long way to go...