Research On Optimization Of Anti-Money Laundering Management Of Subbranch M Of Rural Commercial Bank In China

The definition of money laundering crime is different in different countries,and its meaning mainly refers to a behavior that conceals and conceals the nature and source of criminal proceeds,and uses methods such as concealment,transfer and transformation to make its illegal proceeds appear legal.It uses various ways to disguise the source of illegal proceeds,transfer the storage and other hidden ways to enable the money launderers to achieve the purpose of legal ownership.The developed financial system and convenient banking services provide convenience for money launderers.Anti-money laundering is a regulation activity against money laundering,which is mainly to prevent and combat money laundering.It is a supervision mechanism jointly constructed by financial institutions and judicial organs.The main countries of capital have advanced economic development,and the phenomenon of money laundering is common in the early stage.Therefore,western countries have built relatively perfect anti-money laundering system in theory and practice,and follow the concept of "risk-based" in the anti-money laundering supervision.China's economy started late,anti-money laundering development is relatively slow,relevant laws and regulations are not perfect,the current stage,is from the "rules-based" to "risk-based" transformation.This paper uses the relevant theories of management and achievements of Anti-money laundering management,case analysis research methods from two aspects of theory and practice of a rural commercial bank M branch analyzes the deep-seated reasons for money-laundering case,points out that the existing problems and causes,and on the basis of design of a rural commercial bank M branches anti-money laundering management optimization.Suggest M branch from firmly establish a "risk" of anti-money laundering consciousness,reasonably adjust the anti-money laundering management organizational structure,improve the client identification means and methods,refining the customer money laundering risk grade classification system requirements,reasonably adjust the big deals monitoring scope,the optimization of suspicious transactions monitoring model and so on to consolidate the base line of anti-money laundering,anti-money laundering laws and regulations to implement at the grassroots level.Optimizing the anti-money laundering management of grassroots commercial banks is of great significance for preventing money laundering crimes,cracking down on money laundering illegal activities,maintaining financial stability and realizing optimal allocation of financial resources.Meanwhile,it can also achieve the mutual connection with international anti-money laundering standards and improve the internationalization process of anti-money laundering.