我国商业银行反洗钱工作研究.pdfVIP

论 文 摘 要 洗钱行为严重地挑战国际经济、政治和社会秩序，已成为影响国际和平与发 展的“毒瘤”。源源不断的黑钱赃款经过有组织有计划的清洗后披上了合法的外 衣，融入并腐蚀健康的国民经济体系。近年来随着国民经济的快速发展，中国洗 钱活动也日益增多。针对这一全球化性问题，我国对洗钱所产生的危害已高度重 视，反洗钱工作不断加强，反洗钱立法也逐步完善。 从洗钱犯罪的活动过程可以看出，现代商业银行已成为洗钱的重要渠道。因 此商业银行作为金融机构的代表充当反洗钱尖兵责无旁贷。在实际操作中，如何 充分发挥商业银行反洗钱的主力军作用，构筑坚实的反洗钱防线，是有效预防、 控制和打击洗钱犯罪活动的关键所在。然而在现实中,商业银行却普遍存在着反 洗钱动力不足的问题，如何促使商业银行积极、主动、有效地进行反洗钱工作则 成为当前一个亟待解决的重要课题。 本文以完善我国商业银行反洗钱机制为主要研究对象，运用所学的公共经济 相关理论，主要从经济学的崭新视角论述了当前我国商业银行反洗钱机制存在的 问题与困难。同时分析和借鉴国外反洗钱成功的经验，对于我国商业银行反洗钱 实际工作中存在的问题提出了解决对策。 关键词： 商业银行； 反洗钱； 研究 ABSTRACT Money laundering, one of the factor against peace and development, gives a sharp challenge to the international economy, politics and public order. Gradually, the illicit money comes from black to be white by money-laundering with detailed planning and prepared organization step by step. With high-speed development of the national economy, there are more and more kinds of activities about money laundering. In accordance with the global problems, China has taken the damage of money-laundering seriously while the anti-money laundering task including Legislation is on the way. It is possible to know that commercial bank has been one of the important links to the money-laundering crimes. As financial institution in China, commercial banks are duty-bound to against such crime behaviors. In practical, how to play the role of guard is the key to control and combat money-laundering. However, it is general to see that there is no sufficient power to stop money-laundering. The thesis is looking forward to finding solutions to enhance the positive of commercial banks in anti-money