Research On Problems And Countermeasures In Zhuo Yue Bank's Anti-money Laundering

As a criminal activity that seriously affects national stability and economic development,money laundering has become one of the most important criminal activities worldwide.According to the? 2017-2018 China annual compliance blue book?,the top three reasons for Chinese companies suffering from overseas law enforcement are corruption,monopoly and money laundering.Anti-money laundering has become an important means for the people's bank of China to prevent and defuse financial risks and maintain financial stability.It is foreseeable that in the future,the people's bank of China will urge financial institutions to perform their duties effectively through "strict supervision and strong punishment".To prevent mass,cross-regional and cross-industry money laundering and illegal fund activities,Penalties will continue to increase.In the past few years,the means of money laundering have become more and more obscure and complicated,which undoubtedly increases the difficulty and importance of anti-money laundering.At the same time,the anti-money laundering supervision system at home and abroad is gradually improved,and the punishment is gradually increased.It can be said that the increasingly strict supervision will become the development trend of anti-money laundering supervision in the future.Therefore,the previous management system and management methods can no longer adapt to the current anti-money laundering crime fighting work,nor can they meet the current domestic and international anti-money laundering regulatory requirements.Commercial Banks should rapidly optimize the anti-money laundering management process,improve the regulatory system,change the regulatory concept,turn passivity into initiative,and truly help to combat money laundering and terrorist financing crimes.Zhuo Yue bank is mainly introduced in this paper the current anti-money laundering management organization structure,management of anti-money laundering work responsibilities of each department in the status quo of anti-money laundering,the main body of the business management process,to integrate the past working experience in teaching,analysis of Zhuo Yue bank anti-money laundering management organizational structure existing in the lead department level and promote work strength is insufficient,between higher and lower structure leads to confused problems such as unclear information not in time;The unclear responsibilities of each department lead to problems such as superficial management work and impracticable management results.The number of anti-money laundering staff is insufficient and the quality is not enough.Combined with the new requirements of domestic and foreign financial regulators on the management of the main business of anti-money laundering of commercial Banks,problems existing in the main business of anti-money laundering are found,such as: the main information of customer identity is missing,and the quality of customer information is not high;Suspicious transaction reports are mainly defensive reports,with large quantity but low quality.Sensitive customer differential list system management is not enough.Aiming at the problems existing in the organizational structure of Zhuo Yue bank's anti-money laundering management,the organizational structure of Zhuo Yue bank's anti-money laundering management is optimized to simplify the organizational level and improve the management efficiency.The value chain analysis method was used to analyze the main business process of anti-money laundering in Zhuo Yue bank,to find out the reasons for various problems in the main business of anti-money laundering in Zhuo Yue bank,and to cancel,merge,rearrange and simplify the business process,so as to improve the efficiency of the anti-money laundering business process in Zhuo Yue bank.Aiming at the problems of inefficient supervision and post-supervision in the supervision and management of anti-money laundering in Zhuo Yue bank,the proportion of anti-money laundering supervision score in the KPI assessment of all departments and branches should be improved,and the effectiveness of anti-money laundering supervision and management in Zhuo Yue bank should be improved by perfecting the audit system and building an independent audit department.Finally,it discusses the implementation guarantee of anti-money laundering management process optimization from three aspects: anti-money laundering talent pool construction,anti-money laundering information system construction,and anti-money laundering internal control compliance culture construction.