Research On Optimization Of Anti-Money Laundering Management Of Bank J

In recent years,with the deepening of the trend of economic globalization and the acceleration of capital flow,various types of money laundering activities have become more frequent and frequent.Money laundering activities have a series of hazards,such as disrupting the economic order,threatening the normal operation of the national economy and financial security,breeding corruption,and damaging social equity.With the deepening application of financial technology,money laundering tools have also been constantly updated and upgraded,and money laundering methods have also become more covert,As a result,the normal financial order is faced with more serious challenges of money laundering risks.Commercial banks assume the main responsibility of social capital circulation and financing,not only have a huge customer group,but also have business outlets throughout the country.Therefore,the anti-money laundering work of commercial banks is the main battlefield of our anti-money laundering work,which must be paid attention to and highly valued.The anti-money laundering work of China’s commercial banks started relatively late,and soon experienced a change from "rule-based" to "risk-based" anti-money laundering principle.This change made many banks difficult to adapt for a while,and the existing management model,institutional norms and system construction could not keep up with new requirements and changes.Under the "rule based" management principle,the anti-money laundering work of commercial banks is mostly passive implementation of rules,and the subjective initiative is difficult to be fully played,and the dependence is serious.Compliance is generally regarded as the ultimate purpose of anti-money laundering work.Under the "risk-based" management principle,commercial banks have invested a lot of costs in the management structure,system construction,process design and system research and development.However,according to the current investigation,these costs have not directly and obviously led to the improvement of the level of anti-money laundering management and the quality of work,and even there is a big gap from the requirements of the regulatory authorities.The "risk-based" management principle has not been effectively implemented.So far,China has gradually established an anti-money laundering regulatory system of commercial banks with "one law and four regulations".The domestic anti-money laundering regulatory standards and requirements faced by commercial banks are constantly improving.The regulatory trend of anti-money laundering is to be stricter,heavier,higher and more detailed,and the strict requirements and review of international anti-money laundering organizations such as FATF,It also forces the domestic regulatory authorities to continue to promote the effective performance of commercial banks through the measures of "strict supervision and strong punishment".Punishments will become the norm,and the amount of punishment will increase and the frequency of punishment will increase.Commercial banks carry hundreds of billions of social assets and wealth,bear the social responsibility of millions of people’s employment,maintain the growth and development of tens of millions of large,medium and small enterprises,and maintain the security and stability of the national economy.Commercial banks have a great responsibility for stable operation and a glorious mission.However,as the amount and intensity of anti-money laundering punishment are in line with the international standards,a huge amount of fines or sanctions brought about by inadequate anti-money laundering management are enough to make a business fall into the abyss of recession.Based on the actual anti-money laundering management work of Bank J and the analysis of the internal and external anti-money laundering punishment cases,this thesis analyzes the problems in its anti-money laundering management strategy,puts forward suggestions and suggestions on optimizing the management strategy,and further enriches the internal management theory of anti-money laundering.The full text consists of seven parts.chapter 1puts forward the research background and significance of this thesis,briefly describes the references read during the writing of the thesis,briefly introduces the research ideas and research methods,and finally presents the full-text research framework through illustrations.Chapter 2 first introduces the definition,characteristics,means and social harm of money laundering,as well as the concept and methods of anti-money laundering,and then expounds the necessity,responsibilities,involved money laundering risks,money laundering risk management system and anti-money laundering supervision and punishment of commercial banks based on the anti-money laundering theories such as information asymmetry theory,incentive compatibility supervision theory,game theory and risk management theory.The third chapter analyzes the current situation and typical examples of anti-money laundering management of Bank J,briefly describes the basic situation of Bank J,and introduces the anti-money laundering management department,work flow and current management results of Bank J in detail.Combining with the typical examples in the anti-money laundering management process of Bank J,it lays the foundation for the deduction of the deficiencies and problems in the anti-money laundering management process of Bank J in Chapter 4.The fourth chapter,based on the analysis of the questionnaire survey results and the arrangement of the survey interview records,summarizes the typical examples,and reveals that Bank J has problems such as unclear division of responsibilities,imperfect risk control system,ineffective daily work management,imperfect monitoring system functions and inadequate internal supervision and inspection.Chapter V analyzes the root causes of these problems in the anti-money laundering management of Bank J,and provides basis and support for the optimization of anti-money laundering management strategy of Bank J through the analysis of the causes of the problems.The sixth chapter synthesizes the analysis from the second to fourth chapters above,and puts forward targeted suggestions and countermeasures for the optimization of anti-money laundering management strategies by finding the causes and management defects behind the problems.Chapter VII is the conclusion and outlook part,which shows the research conclusions of the full text,and states the deficiencies in the research and the direction of follow-up effort.