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互联网金融对商业银行反洗钱监管的影响及对策研究_MBA毕业论文

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I 互联网金融对商业银行反洗钱监管的影响及对策研究 摘要 商业银行是社会资金流动的媒介同时又第一时间接触洗钱犯罪分子及非法 所得,因而商业银行是反洗钱监管的核心力量。面对互联网金融迅猛发展,中国 人民银行、中国银保监会纷纷出台政策,将互联网金融纳入监管行列,商业银行 传统的反洗钱监管措施已无法应对当前严峻的洗钱风险及外部监管环境,在此背 景下,商业银行必将进行反洗钱监管措施的变化。 本文主要研究互联网金融对商业银行反洗钱监管主要内容、监管策略及有效 性三个方面的影响,通过逻辑分析互联网金融对商业银行反洗钱监管主要内容的 影响,利用博弈论从洗钱组织、同业、外部监管三个方面分析面对互联网金融的 挑战商业银行反洗钱监管策略的选择,运用成本分析法构建成本模型,分析互联 网金融对商业银行反洗钱监管有效性的影响,结合利用对比分析法,分析中外监 管经验,最终依据互联网金融对商业银行反洗钱监管的影响提出新的监管建议, 得到相关监管启示,解决商业银行反洗钱监管的现状,为今后商业银行反洗钱监 管工作提供一些理论和现实意义上的帮助。 关键词:互联网金融;商业银行反洗钱监管;成本;对策ABSTRACT III The Influence of Internet Finance on the Anti-money Laundering Supervision of Commercial Banks and Its Countermeasures ABSTRACT Commercial banks are the medium of social capital flow and at the same time they are exposed to money laundering criminals and illegal gains. Therefore, commercial banks are the core force of anti-money laundering supervision. In the face of the rapid development of Internet finance, the People's Bank of China and the China Banking Regulatory Commission have introduced policies to include Internet finance in the supervision. The traditional anti-money laundering measures of commercial banks have been unable to cope with the current severe money laundering risks and external regulatory environment. Commercial banks are bound to carry out changes in anti-money laundering regulatory measures. This paper mainly studies the impact of Internet finance on the main contents, supervision strategies and effectiveness of commercial banks' anti-money laundering supervision. Through logic analysis of the impact of Internet finance on the main content of commercial banks' anti-money laundering supervision, the use of game theory from money laundering organizations, peers, Three aspects of external supervision analyze the choice of commercial banks' anti-money laundering supervision strategies in the face of Internet finance challenges, use cost analysis to construct cost models, analyze the impact of Internet finance on the effectiveness of commercial banks' anti-money laundering supervision, and use comparative analysis to analyze The Chinese and foreign regulatory experience, based on the impact of Internet finance on the anti-money laundering supervision of commercial banks, proposes new regulatory recommendations, obtains relevant regulatory implications, and resolves the status quo of anti-money laundering supervision of commercial banks, providing some theoretical and practical significance for the anti-money华北水利水电大学硕士学校论文 IV laundering supervision of commercial banks in the future. Help on. KEY WORDS: Internet finance; Commercial bank anti-money laundering supervision;Cost;Countermeasures目录 V 目 录 摘要......................................................................................................................I 1 绪论....................................................................................................................1 1.1 研究背景................................................................................................1 1.2 研究意义................................................................................................2 1.3 国内外研究现状....................................................................................2 1.3.1 商业银行反洗钱监管制度研究现状........................................2 1.3.2 互联网金融反洗钱研究现状....................................................3 1.3.3 商业银行反洗钱监管研究现状................................................5 1.3.4 商业银行反洗钱监管成本及有效性研究现状........................6 1.3.5 国内外研究现状简评................................................................8 1.4 研究方法................................................................................................8 1.5 本文的创新点及不足............................................................................9 2 商业银行反洗钱监管概述..............................................................................11 2.1 商业银行作为洗钱渠道的主要过程..................................................11 2.2 商业银行反洗钱监管的原因..............................................................12 2.3 商业银行反洗钱监管组织框架及工作职责......................................13 2.4 商业银行反洗钱监管的主要内容......................................................14 2.5 商业银行反洗钱监管特征..................................................................15 2.6 商业银行反洗钱监管现状..................................................................15 3 互联网金融对商业银行反洗钱监管的影响..................................................17 3.1 互联网金融的发展现状.......................................................................17 3.2 互联网金融洗钱行为特点..................................................................19 3.3 互联网金融对商业银行反洗钱监管主要内容的影响......................20 3.4 互联网金融对商业银行反洗钱监管策略选择的影响......................21 3.4.1 洗钱组织与商业银行间的策略选择......................................22 3.4.2 商业银行同业间的策略选择..................................................23 3.4.3 商业银行与外部监管机构间的策略选择..............................24 3.5 互联网金融对商业银行反洗钱监管有效性的影响..........................26 3.5.1 商业银行反洗钱监管有效性..................................................26 3.5.2 商业银行反洗钱监管的成本..................................................27 3.5.3 互联网金融对商业银行反洗钱监管成本的影响..................28华北水利水电大学硕士学位论文 VI 3.6 互联网金融对商业银行反洗钱监管的影响总结..............................31 4 国外商业银行反洗钱监管相关政策及启示..................................................33 4.1 美国商业银行反洗钱监管政策..........................................................33 4.2 澳大利亚商业银行反洗钱监管政策..................................................34 4.3 英国商业银行反洗钱监管政策..........................................................35 4.4 德国商业银行反洗钱监管政策..........................................................36 4.5 日本商业银行反洗钱监管政策..........................................................37 4.6 国外商业银行反洗钱监管相关政策对我国启示..............................39 5 商业银行反洗钱监管建议..........................................................................40 5.1 健全内控制度,降低“调查难”......................................................41 5.1.1 推行“风险为本”的内控制度..............................................41 5.1.2 建立良好的内控机制..............................................................42 5.2 加强客户身份识别,解决“识别难”..............................................42 5.3 完善可疑交易监测分析,提高“可信度”......................................43 5.4 利用“监管科技”,提高监管成效..................................................43 5.5 重视队伍培养,提升人员积极性......................................................44 5.5.1 加强队伍培养..........................................................................44 5.5.2 建立激励约束机制,提升人员积极性..................................44 6 总结与展望......................................................................................................45 6.1 总结......................................................................................................45 6.2 展望......................................................................................................45 致 谢....................................................................................................................47