Research On Anti-money Laundering Strategies Of Internet Finance In The New Era

Since the 1970s,with the rapid development of economy and society,the financial system has been rapidly updated,which has enriched the means and tools in the financial industry.At the same time,the methods of money laundering have been constantly updated with the development of society,and the harm to the international social security and the global economy has become more and more serious.Governments and global organizations have recognized and started to concern about this issue.Since 2011,the Internet has been relatively mature,and the Internet financial models based on it,such as third-party payment,online credit and P2P,have developed rapidly as a blue ocean industry,and the popularization of Yuebao has greatly accelerated the popularity of online finance.The huge transaction volume of online finance,the rapidity and low cost of transactions,the concealment of capital flow,the universality of industries involved and the difficulty of data collection provide a favorable soil for money laundering in online finance,which makes money laundering crimes high.However,the supervision of Internet money laundering in the current anti-money laundering regulations is quite deficient,which leads to the increasing pressure of anti-money laundering supervision in online finance.Due to the diversity,complexity and forgeability of network organizations,it is difficult to identify customers and report suspicious transactions of online financial behavior in practice.At the same time,from the perspective of collaborative governance,the collaborative governance of all parties in China's online anti-money laundering is obviously not in place.This paper expounds its opinion from the basic concepts of money laundering and Internet money laundering are expounded.From the perspective of collaborative governance,based on collaborative theory,innovation theory and governance theory,the research is implemented based on the idea of "finding problems,analyzing problems,learning from experiences and solving problems" with the research methods of literature research,comparative analysis and observation.Firstly,starting from typical cases,this paper summarizes the four ways of money laundering in the development of online finance in the new era,expounds the current situation of money laundering governance in China,and puts forward that there are imperfect laws and regulations in government supervision in China;Financial and non-financial institutions have a single means of participating in governance;Social organizations and individuals are not aware of participating in money laundering governance and have low degree of specialization;The role of media supervision and public opinion guidance is not obvious;And the cooperative governance mechanism is imperfect.Secondly,this paper analyzes the anti-money laundering laws and regulations and collaborative governance practices in Australia,Britain and the United States,and draws lessons from the international experience of collaborative governance of money laundering.Finally,combined with China's actual conditions,this paper puts forward some suggestions on improving China's multi-agent collaborative governance mechanism of money laundering from the aspects of improving China's anti-money laundering laws and regulations,departmental supervision and coordination mechanism,personnel training,participation of social organizations and individual citizens in anti-money laundering,and media monitoring and guidance.