Research On Anti-money Laundering Problems And Countermeasures Of TH Village Bank

Money laundering refers to the criminal through a variety of channels to deliberately conceal the funds and property obtained by illegal means,including derived funds and property,so as to make it no longer appear illegal behavior.Money-laundering not only disturbs the order of the market economy,but also encourages other criminal activities and is not conducive to the long-term stability of society.The developed payment system and convenient financial service of commercial banks provide convenience for the crime of money laundering.Commercial banks should adhere to the concept of“Risk-based” and strengthen the management of anti-money laundering,we will effectively fulfill our legal obligations against money-laundering,do a good job in preventing and cracking down on money-laundering crimes,and safeguard the sound operation of the financial system.In recent years,the crime of telecom fraud,drug abuse and drug trafficking,embezzlement and bribery,tax evasion and illegal fund-raising in the rural area of TH village and town is increasing day by day,and the problem of money-laundering is becoming more and more serious.In view of this,this article uses our Country Commercial Bank anti-money laundering laws and regulations and the theoretical foundation,from the organization construction,the system construction,the management implementation and so on three aspects analyzes TH village and town bank anti-money laundering management development situation,then it reveals the existing problems and analyzes them from the angles of talents,consciousness,system,policy,audit and so on,finally,put forward the countermeasures and suggestions of TH Village Bank’s anti-money laundering management.This paper holds that TH village bank should start from the following seven aspects:first,to strengthen the awareness of anti-money laundering responsibility,establish the“Risk-based” concept,carry out self-assessment of money laundering risk,reasonable allocation of management resources;The second is to improve the organizational structure,establish an all-inclusive anti-money laundering organizational structure,and implement a compliance line network cooperation mechanism;And lateral development to start more process design,to ensure the anti-money laundering operation process of scientific,effective and comprehensive.At the same time,it is necessary to build a strong safeguard mechanism from the aspects of carrying out thematic training,building an anti-money laundering intelligent platform and strengthening multi-party cooperation.