保险洗钱形式演进成因与对策.docVIP

保险洗钱的形式演进成因与对策 　　摘 要：在银行业不断加大反洗钱力度的情况下，洗钱者开始将保险作为其新的洗钱工具。经过全行业的共同努力，我国保险业反洗钱已经取得了很大的成绩。但由于市场不成熟、法制不健全、政府官员和国有企业领导缺乏监督及国有资产所有者缺位等原因，保险业反洗钱的形势依然很严峻。保险业应完善规章制度，出台实施办法，搭建信息平台，健全组织体系，完善激励机制，开展国际合作，形成完整的反洗钱网络，使保险业免受洗钱侵蚀。 　　关键词：保险洗钱；反洗钱；反洗钱网络 　　中图分类号：F840.3 文献标识码：A 文章编号：1008-6439(2008)02-0073-05 　　 　　Evolution，cause and countermeasures for methods of anti-money laundering of insurance industry in China 　　WU Xiang-you 　　(School of regulance，Chongqing Technology and Business University，Chongqing 430067，China) 　　Abstract：Under the challenge of persistently consolidating anti-money laundering measures in banking industry，the launderers begin to use insurance coverage as new laundering tools. The anti-money laundering in insurance industry of China has made great progress after the co-efforts of all members in the industry. Because of incomplete market，non-perfected laws and regulations，and defects of regulations on restricting governmental officials and state-owned enterprises leaders and the owners of state-owned assets，however，the situation of anti-money laundering in insurance industry is still serious. Insurance industry should perfect laws and regulations，make implementing measures，set up information platform，perfect organization system and incentive mechanism and cooperate with international organizations so that the complete net for anti-laundering can be formed to avoid loss in insurance industry from money laundering. 　　Key words：laundering from insurance；anti-money laundering；anti-laundering net 　　 　　近年来，随着银行业反洗钱力度的不断加大，利用银行系统洗钱的风险越来越高，洗钱者于是开始将保险产品作为其新的洗钱工具。由于国内保险业恢复的时间较短，尽管保持了20多年的快速发展，市场依然很不成熟，突出表现为无序竞争和监管乏力。此外，我国保险业发展的外部环境也不理想。首先是法制不健全，不法竞争盛行；其次是国有(或集体)资产所有者缺位，经营者受不到有效约束；再次是部分官员掌管着大量的资源，拥有不受约束的权力；最后市场经济体制虽已建立，但监管能力却并不具备。我国保险业在这种背景下全面对外开放，必将被国内外洗钱者利用。保险洗钱的危害很大。它助长犯罪行为，扰乱经济秩序，威胁金融安全，破坏社会稳定，损害我国形象，必须坚决予以打击。正是基于这样的认识，我国政府及时将保险业反洗钱纳入到整体反洗钱战略中并不断加大工作力度。2002年国务院批准建立了反洗钱工作部际联席会议制度，现由央行牵头主管反洗钱工作。2003年又批准建立了中国反洗钱监测分析中心，与反洗局并列为央行的两大部门。在政府的推动和行业的努力下，我国保险业反洗钱工作虽已取得