| Establishing a sound money laundering(ML)risks management system is the foundation for the safe and stable operation of banks.However,the basic conditions of the anti-money laundering(AML)software and hardware of rural commercial banks are weak,and the ML risk management system is not complete.How to accurately assess the ML risks the institution facing,find out the risk loopholes and weaknesses,reasonably allocate AML resources,and alleviate the ML risk of events or possible losses caused by the case are problems that need to be solved urgently.This article takes Rural Commercial Bank A as the research object,according to the comprehensive risk management theory,and carries out in-depth ML risks self-assessment work in accordance with the ideas of risk identification,risk assessment,and effective control.Based on the "ML/TF Risk Assessment Indicators" issued by the AML Bureau,the weights and evaluation criteria are further refined,and the risk matrix method,analytic hierarchy process,quantitative analysis method,and qualitative analysis are adopted.According to the research methods such as law and other research methods,from the perspectives of inherent risks and the effectiveness of control measures,it is concluded that bank A’s ML residual risk level is C(medium risk),that is,bank A’s risk control measures can affect some inherent risks.To the mitigation effect,it still cannot effectively cover all inherent risks,and there are still certain residual risks.Based on the results of the risk assessment and guided by the problems and risk points,proposed risk management strategies such as improving the ML risk management mechanism,establishing and improving the internal control system of AML,strengthening ML risk identification and control,strengthening the system construction and technical support. |
