Study On The Method To Supervise And Monitor Money-Laundering

There exists a serious information dissymmetry in the course of the game between the two sides, money-launderers and anti-money launderers, with the money-launderers clearly prior to their opponents in getting the relevant information. So, based on the principle of"Gresham's Law"in Monetary Finance, which is also called the rule that the bad coins drive out the good ones, the money laundry will bring to the society some bad consequences such as follows, it will affect the normal enterprises in their business, fluctuate the financial market and cause the policies to be uncontrolled and unstable et al. At the same time, because the upriver criminal activities such as smuggling, drug-mongering, gangsters and terrorisms and so on are much more harmful to the countries and the societies, the money laundry is now widely recognized to be an increasing cancer by the international society, and the anti-money-laundry has also evolved to be a new system with the development of the activities of money-laundering. During these years, money-laundering and anti-money-laundering have attracted more and more attention from the international society.This paper emphasizes on the study of method for supervising and monitoring money-laundering, the main contents are as follows:Firstly, from the beginnings of distinguishing the different roles in the course of the activity of money-laundering and anti-money-laundering, this paper constructs a game model between the three sides of the money-launders, the financial institutions and the supervision institutions. On the basis of it, this paper produces a method of supervising according to different stages and constructs an inspiring mechanism by a detailed analysis of the interest requirement from the three sides.Based on summarizing and analyzing the data items of Large-Value and Suspicious RMB Payment Transactions and the money-laundering cases from domestically and abroad, this paper picks up the key properties of monitoring the behavior of the money-laundering and designs a simulation database. Then, a high-generalized method for mornitoring the money-laundering is constructed by putting the method study apart from the simulation check so as to achive the delamination of the abstract and the specific. Furthermore, the data information is divided into four layers which are respectively the level of transactions, the level of accounts, the level of main bodies and the level of networks; the first three are mainly studied in this paper. By the studying of the monitoring method in the level of transaction, this paper produces a mode for designing a short-term relative mornitoring standard and a relative mornitoring standard connecting the customer characters. By the studying of the monitoring method in the level of accounts and the level of subject, this paper produces the mornitoring methods by applying the normal transaction model, the normal account model and the clustering analysis.Finally, on three levels which are respectively the transaction level, the account level and the subject level, the mornitoring effects of the relevant mornitoring methods are tested by simulation analysis of the relevant data information from 25 catering service & tourism listed corporations, and the mornitoring results are appraised by using the model of evaluating the monitoring achievement.