ZJ Bank Anti-money Laundering Internal Control Optimization Research

With the development of economic globalization,there are more and more illegal and criminal activities such as money laundering,terrorist financing,drug trafficking and smuggling,which involve an increasingly large amount of money.As a financial institution,it is extremely easy for criminals to transfer illegal gains.What ZJ had bank as local financial institutions,a total of 133 branches and outlets throughout urban and rural areas,the re-description,facing the extremely complex situation and the regulation of the high strength,what ZJ had Banks must be updated on the basis of the existing risk and improve the anti-money laundering supervision system,perfect the internal control system of anti-money laundering,guard against financial risks and prevent money laundering damage to the operation and management,safeguard their rights and interests effectively,promote the healthy and stable development.In this paper,starting from the basic concept of anti-money laundering,through to the money laundering,money laundering and anti-money laundering internal control theory,laying the theoretical foundation of the research direction,financial institutions what ZJ had by Banks as the research object,by adopting the method of data analysis,comparative summary of what ZJ had anti-money laundering internal control in-depth analysis,found that the existence of anti-money laundering internal control management structure is unreasonable,management consciousness,imperfect evaluation mechanism,internal quality control activities,risk assessment system is not sound,internal supervision mechanism is imperfect and so on.And then discusses what ZJ had anti-money laundering internal control optimization scheme,based on the create a good internal control environment,establish and improve the money laundering risk assessment system,in order to improve the quality of anti-money laundering internal control activities as the key point,establish an effective anti-money laundering information exchange mechanism,perfect the internal supervision and inspection mechanism,a comprehensive optimization what ZJ had anti-money laundering internal control system.At the same time,this paper also puts forward safeguard measures for the optimization of anti-money laundering internal control of ZJ bank from the aspects of the effectiveness evaluation of anti-money laundering internal control,anti-money laundering supervision and assessment mechanism,anti-money laundering auxiliary system and publicity and training,so as to promote the construction of anti-money laundering internal control and improve the effectiveness of anti-money laundering internal control.The optimization scheme of anti-money laundering internal control proposed in this paper will effectively help ZJ banking system to improve the anti-money laundering internal control environment and improve the anti-money laundering internal control effect,so as to promote the healthy and stable development of the whole bank and provide reference for other banking institutions of the same type.