| Banking industry as the leading institutions of the financial system of our country economy,assume an important function,the fight against money laundering crime should identify and evaluate the various customers,products,business and channels,such as the money laundering risk,according to the scale of institutions,the type of business,business risk,set up and its matching the money-laundering risk controls,realizes the screening of money laundering and controls,Assume its social responsibilities.But in the actual execution process,some commercial Banks still exist carry out incomplete,senior management anti-money laundering consciousness weak,the internal control system implementation effectiveness is poorer,innovation in all kinds of business to be criminals use in the risk of money laundering risk etc.Phenomenon,unable to effectively guard against the risk of money laundering criminals use of advanced technology,Unable to effectively implement the strict anti-money laundering regulatory requirements at home and abroad.Evaluate the anti-money laundering capability of commercial banks,identify their anti-money laundering risks,put forward targeted improvement suggestions for their current anti-money laundering control strategies in combination with the background of big data,and help commercial banks improve their money laundering risk control capability,which is of long-term positive significance to the stability and development of social economy.Based on the research object of HB branch of N Bank,combined with relevant theoretical documents,this thesis analyzes the current situation of anti-money laundering management and digitalization of the cases,and according to the supervision requirements,for Commercial Banks,an index system is constructed from two aspects: Inherent Risk and effective control measures.The index system covers many aspects such as bank customers,products and services,including traditional business and digital business products,this thesis establishes an analysis model to study the anti-money laundering risk in a comprehensive way,and finds out the problems,and puts forward some suggestions on the anti-money laundering control strategy of commercial banks.First of all,this thesis explains what is money laundering risk,summarizes the basic anti-money laundering system in China,and analyzes and summarizes the domestic and foreign literature on anti-money laundering risk assessment of commercial banks and the application of fintech in commercial banks.Secondly,combined with external regulatory requirements and related theory,combined with the bank of N,HB anti-money laundering practice situation,this thesis establish a risk assessment model,from two aspects of inherent risk,control effectiveness to construct evaluation index,using the analytic hierarchy process and fuzzy analysis method etc.,through the principal component extraction set index rating process such as sorting,expert interview,Quantitative analysis of the bank anti-money laundering risk.Finally,according to the anti-money laundering risk assessment results obtained from the model analysis,this thesis points out the problems existing in the money laundering risk control of HB Branch in Line N,and puts forward suggestions for improvement. |
