Construction Of Compliance System Of Anti Money Laundering Obligation Oiganization

A large number of money laundering cases and regulatory policies in recent years show that among the anti-money laundering obligation institutions,the money laundering risk faced by the banking industry is much higher than that of the insurance industry,securities industry or other types of licensed financial institutions.With the continuous development of China’s economy and the increasingly complex economic environment,the situation of money laundering crime has become more and more serious.A variety of illegal acts and criminal acts inevitably intersect with money laundering.The way of money laundering activities is becoming more and more complex,and the amount of money laundering crime is also rising every year.However,the banking industry still lacks enough attention in the construction of anti-money laundering compliance system,that is,there is a lack of compliance talents and the lag of system construction,which makes it difficult for the risk assessment tools and related results to be effectively applied in the practice of anti-money laundering.The anti-money laundering work of the bank should also be continuously optimized with the change of the anti-money laundering situation.A particularly important point is that the principle of its anti money laundering work should be changed in time,from the initial "rule-based" to "risk-based".At the same time,the connotation of anti-money laundering work can no longer be limited to the traditional work requirements,but should be further expanded to the forms of crimes such as anti-terrorism.Therefore,through the construction of anti-money laundering compliance system in the banking industry,it is very necessary to explore the implementation standards,qualitative principles and other information in the field of anti-money laundering compliance,transform these information into a "Lighthouse" for the establishment of anti-money laundering compliance system,and summarize them into anti-money laundering compliance guidelines that can be used for reference and absorption by financial institutions in the banking industry.It can be said that the construction of anti-money laundering compliance system in the banking industry is to "establish anti-money laundering management on compliance system",establish compliance culture,cultivate compliance awareness and do a good job in compliance guidance.So,this study takes the anti-money laundering laws and regulations issued by the people’s Bank of China and other regulatory authorities as the research background,takes the practical cases of the banking industry in anti-money laundering as the research object,takes into account academic research and practical operation,and explores the positive impact of anti-money laundering on the construction of relevant compliance systems.The specific contents of each chapter are as follows:The first part is "introduction".Starting from the emerging anti-money laundering cases in recent years and the revision of anti money laundering laws and regulations by regulatory authorities,this thesis discusses the necessity,origin and value of the compliance system construction of anti-money laundering obligation institutions,and studies the possible innovative suggestions.The second part is "theoretical analysis of anti money laundering compliance system".Starting from the analysis of the value goal of anti-money laundering compliance,this thesis deeply discusses how to overcome the deficiency of customer service compliance commitment,so as to extend the institutional advantages of establishing anti-money laundering compliance.The third part is "international comparison of compliance system of anti-money laundering obligation subjects".This part deeply discusses the establishment of anti-money laundering compliance system in other countries or organizations including FATF,the United States and Germany,and summarizes the establishment path of anti-money laundering compliance system of banking financial institutions: formulating confidentiality compliance system,establishing customer due diligence system,establishing transparency compliance system of income owner,establishing transaction record keeping compliance system,and establishing transaction control compliance system in high-risk areas.The fourth part is "the current situation of compliance legislation of anti-money laundering obligatory institutions and the construction of compliance system of obligatory institutions in China".This paper makes an in-depth analysis on the construction status of the compliance system established by the anti-money laundering obligation organization,explores its feasibility,sustainability and achievable effect,and analyzes the compliance skills of the anti-money laundering obligation organization.The fifth part is "the realization of compliance improvement of anti-money laundering obligation institutions in China".This paper makes an in-depth analysis on the improvement of the compliance system of anti-money laundering obligation institutions in terms of feasibility,and explores the feasibility of improving the compliance construction of anti-money laundering obligation institutions in terms of legislation,compliance guidance and the specific establishment of compliance path.