Study Of Banking Anti-money Laundering Mechanism In Chinese

With the growing prosperity of China's market economy, Money-laundering crimes have occurred from time to time, Serious effect on our market economy, particularly financial market stability. Money-laundering crimes integrate with its associated crime, Not only for the criminals hiding their criminal origin of channels, but also to provide financial support for the re-offending, plays the role of criminal funds chain. At the same time, the act itself disrupt the destruction of normal financial seriously. threat to the financial security. Banking is a key regional financial industry, and also areas of high incidence of money laundering.Because of that we have to establish the effective banking anti-money laundering mechanism. banking anti-money laundering mechanism have two part which is incentive and restraint. Restraint mechanism provides anti-money laundering obligations and powers, which is the basis for anti-money laundering system to run. Incentive mechanisms provide internal drive for the anti-money laundering operation. Both are very important. China now has basically established a banking anti-money laundering mechanisms, but there are some problem that is incentives not been established and inefficient operation restriction mechanism.Based on the laundering of the production, development, concepts and features found money laundering, with the economy continues to boom, increasing the proceeds of crime, criminal elements so that they can use the proceeds of crime, economic choices made. Meanwhile, in the way of the use of banking money laundering AML banking at home and abroad means the research, Recognizing that money laundering and money laundering methods and means of changing the way financial transactions behind the change in the power game with the results of the two sides. Acts of money laundering and anti-money laundering drive size, so that they cany out cost-benefit considerations on the results. Therefore, China's banking industry anti-money laundering mechanisms to achieve good operational results, the mechanism must be strictly bound to increase the cost of money-laundering laws, incentive mechanisms can decrease anti-money laundering costs, and increase anti-money laundering proceeds. At the same time to establish effective mechanisms and a sound financial environment for China's banking sector to play its due role in anti-money laundering mechanisms.