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中文摘要
随着网络通信技术的不断发展，作为金融衍生工具之一的网络支付工具开
始逐渐成为网络洗钱的重要媒介。网络的繁荣促进了金融等相关产业的发展，
但其隐蔽性、虚拟性、匿名性和跨国性等特点提供了全新的洗钱渠道，给洗钱
犯罪分子提供了极大的便利，使洗钱活动变得更加隐蔽和复杂，同时也给防范、
控制和侦察洗钱犯罪带来了很多障碍。近年来，我国各家商业银行纷纷大力发
展网上银行业务，呈现出井喷式的发展趋势。而随着信息技术的进步和产品的
创新，网上银行业务不断完善，业务量持续增加，怎样在持续稳健的发展网上
银行业务的同时，防范打击利用网上银行业务洗钱等非法犯罪行为，已成为广
大金融机构迫切需要解决的问题。本文根据网上银行反洗钱风险的特点，运用
风险管理理论，对网上银行反洗钱的风险进行研究。主要通过理论与实践相结
合方法对网上银行反洗钱风险进行辨识，提出了对网上银行反洗钱风险具有建
设性的风险防范对策，即在技术层面上制定了系统高可用性应急计划，建立完
善的内部程序和技术防范措施，定期对科技信息进行评估；在业务层面上，建
立网上银行反洗钱风险内部控制体系，明确责任，规避法律风险，制定危机管
理对策，降低声誉风险。

本文对网上银行反洗钱风险进行了全面的分析评价，提出具有建设性意义
的风险防范对策，以期增强网上银行反洗钱风险管理能力，使其风险管理水平
提升到一个新的高度。通过深入研究网上银行反洗钱风险管理的问题，对于促
进我国商业银行完善网上银行反洗钱风险管理体系有一定的借鉴意义。

关键词：网上银行；反洗钱；风险管理Abstract
With the continuous development of network communication technology, the
network payment tools as one of the financial derivatives began to gradually become
an important vehicle for money laundering network. Network of the prosperous
development of related industries, such as financial, but its concealment, virtual sex,
anonymity and transnational characteristics provided new channels of money
laundering, give money laundering criminals provides great convenience, makes
money laundering more concealment and complexity, but also to guard against,
control and detect money laundering crime has brought about many obstacles. In
recent years, our country's commercial Banks develop the business of the bank on
the net, the development trend of present a blowout. But with the progress of
information technology and product innovation, continuously improve the business
of the bank on the net, business continued to grow, how to continues the steady
development of business of the bank on the net at the same time, guard against
illegal use of online banking money laundering crime, has become the general
financial institutions is an urgent need to solve the problem. In this paper, according
to the characteristics of the risk of anti-money laundering of the bank on the net,
using the theory of risk management, the study of the risk of anti-money laundering
of the bank on the net. Mainly by means of the combination of theory and practice of
the bank on the net money laundering risks are identified, put forward the
constructive of anti-money laundering of the bank on the net risk risk prevention
countermeasures, namely at the technical level to develop the high availability
system contingency plans, establish perfect internal procedures and technical
measures to prevent, on a regular basis to evaluate science and technology
information; At the business level, the establishment of money laundering risk
internal control system of the bank on the net, clear responsibility, avoid legal risk
and crisis management measures, reduce the reputational risk.
In this paper, the online bank money laundering risk has carried on the