Research On The Optimization Of Anti-money Laundering Working Mechanism Of Commercial Banks

Money laundering activities have become more and more rampant in many countries,and they have already had a great impact on the economic and financial security of our country.Therefore,in recent years,our country has been fully engaged in anti-money-laundering activities.Banks are the main financing battle field of our country,and they are also a crucial link in the chain of money laundering.Anti-money-laundering is not only a major and difficult problem for our country,but also for all the countries around the world.Therefore,China's commercial banks must have a correct understanding of the money laundering activities,establish a sense of crisis,fully crack down on money laundering crimes,and break through layers of challenges.First of all,this paper will introduce the new and old characteristics,new and old forms and connotations of money laundering and anti-money-laundering,and analyze the current situation of international anti-money-laundering work.Next,this paper will analyze the economic theory of commercial banks in the process of anti-money-laundering work,and we will realize that the factors such as cost-benefit analysis of financial institutions are the key to the success of anti-money-laundering work.Furthermore,this paper will analyze the accumulated anti-money-laundering work experience of developed countries,and draw lessons from the successful anti-money-laundering work experience of excellent financial institutions abroad according to the shortcomings of our bank in anti-money-laundering work at the same time.In addition,this paper will also analyze the reform and innovation of anti-money-laundering work mechanism of our bank in the new period.Finally,Propose effective countermeasures against the shortcomings of the S branch's anti-money laundering mechanism,including improving customer identification,improving restraint and incentive mechanisms,improving monitoring and auditing systems,and proposing optimization measures,including improving the anti-money laundering personnel protection mechanism,improving itself and external Coordinating mechanisms and strengthening international anti-money laundering cooperation mechanisms.