Research On The Internal Control Of Anti-money Laundering In The City Commercial Bank Of H

Money laundering activities seriously damage the normal political,economic and financial order of the country.Laws such as the "Anti-Money Laundering Law of the People's Republic of China" and "Anti-Money Laundering Regulations of Financial Institutions" stipulate that commercial banks and their branches must establish and improve anti-money laundering internal control systems,and formulate internal anti-money laundering internal operating procedures and control measures.At the same time,whether a commercial bank is involved in money laundering activities spontaneously or not will damage its own reputation and hinder its business order,which also requires commercial banks to take effective measures to establish a sound internal control system against money laundering.Based on a systematic review of the domestic and foreign research on the internal control of commercial banks' anti-money laundering,this paper analyzes the current status of internal control of anti-money laundering by taking H City Commercial Banks as the research object.This paper establishes an evaluation index system for the internal control of anti-money laundering in city commercial banks on the basis of the objectives and principles of the internal control of anti-money laundering in city commercial banks and the operating characteristics of city commercial banks.An intuitionistic fuzzy analytic hierarchy process is used to conduct an empirical evaluation of the anti-money laundering internal control of H City Commercial Banks.The results show that the overall control level is level III,indicating that the internal control level of anti-money laundering needs to be further improved.Additionally,through an in-depth analysis of the anti-money laundering internal control of H City Commercial Banks,this paper concludes that the internal environment of H City Commercial Bank's anti-money laundering is unscientific,the control of anti-money laundering business is unreasonable,the control of anti-money laundering process is imperfect,the communication of antimoney laundering information is not smooth,and the internal supervision level of antimoney laundering is not high.In order to build effective internal control of anti-money laundering,Bank H is suggested to implement dynamic optimization system and norms according to law,reasonably layout anti money laundering structure;combine independence with checks and balances,improve anti money laundering personnelsetting;coordinate business human relationship,improve customer access requirements;apply new network technology,strengthen Internet business supervision;adjust Free Quota in real time,increase money laundering crime cost;multiple channels To identify customer information and improve the effectiveness of identification;to refine customer classification and take targeted measures;to optimize the supervision of large amount business and improve the accuracy of suspicious transaction screening;to strengthen the publicity and training of anti money laundering by system and innovation;to improve the efficiency of anti money laundering management system by introducing big data technology;to coordinate the information communication of departments and strengthen the inter bank communication and cooperation;to set up anti washing The money audit team should improve the professional quality of internal auditors,improve the performance evaluation of anti money laundering,and clarify the incentives and responsibilities,so as to support the anti money laundering of H City Commercial Bank.