Research On The Legal Issues Of Anti Money Laundering Of Commercial Banks In China

With the continuous advancement of economic globalization,the flow of international capital has become increasingly frequent,which has also led to the continuous occurrence of cross-border money laundering,posing a great threat to the world’s economic and political stability.Combating money laundering activities is an urgent issue that needs to be addressed,and it is also a work vigorously carried out by various countries.International experience has shown that the banking industry is a sector that must be utilized for money laundering activities,and the vast majority of money laundering activities are carried out using commercial banks.To carry out the national anti money laundering struggle,the first step is to strengthen the anti money laundering work of commercial banks.Due to its branches scattered around the world and convenient fund transfer systems,China’s commercial banks are not only the main venue for international anti money laundering crimes,but also the main source of international counter-terrorism crimes.In the fight against money laundering and terrorism,commercial banks play an important role,not only involving the interests of enterprises,but also the stability of the financial system and various economic decisions of the country.They also play a certain role in promoting our anti-corruption struggle.Therefore,this paper focuses on analyzing the legal system of anti money laundering in commercial banks,summarizing and studying foreign anti money laundering experiences,and linking them with the anti money laundering practices of Chinese commercial banks.Therefore,further improvement suggestions are proposed for the anti money laundering legal system of Chinese commercial banks,in order to help Chinese commercial banks do a good job in preventing money laundering activities.The author used the combination of induction and deductive reasoning,literature research,case analysis and comparative research to carry out relevant research,and connected with the current situation,specifically from the situation of China’s commercial banks’ anti money laundering and the status of the anti money laundering legal system,around some important problems in China’s commercial banks’ anti money laundering legal system,A series of studies have been conducted on how to improve the anti money laundering legal system of commercial banks in China,including the following aspects: The first part is the introduction,which elaborates on the research background,significance,current research status at home and abroad,theoretical basis,research ideas and methods,innovation and shortcomings.The first chapter is an overview of anti money laundering in commercial banks.By discussing the concepts of money laundering and anti money laundering,the special positioning and important functions of commercial banks in anti money laundering,and their development history,the core concepts to be explored in the paper are defined,and the focus of the paper is established;Chapter 2 will be related to domestic anti money laundering cases,and then discusses the current legal system of anti money laundering in commercial banks in China.It specifically analyzes some problems that arise in the current legal system,which are manifested as: the current legal system does not have specific provisions for internal control of commercial banks,the scope of application of money laundering crimes is too narrow The mechanism for coordinating anti money laundering work is not perfect enough.The third chapter mainly introduces the relevant legislation of commercial banks in the United States,Japan,and Germany,which provides inspiration for the legislation and judicial practice of Chinese commercial banks;Chapter 4,in response to some key issues faced by China’s current financial regulatory system,draws on the successful experiences of advanced countries and regions abroad,and proposes corresponding improvement measures,in order to provide useful reference for further strengthening the anti money laundering legislation of commercial banks in China in the future.