| For the past ten years, the money laundering crime more and more has aroused international society's interest. Some countries through the formulation legal regime, establish the corresponding organizations and agencies and the mechanism crack down on the money laundering activities. The statistical figure indicated that the financial organ is laundered money the criminal offender to use easily. Therefore, People's Bank President Zhou Xiaochuan and on 14th had issued in January 13, 2003 the People's Bank of China 1st, 2, 3, verbal commands, the build rebellion money laundering domain legal framework, safeguards the financial industry legitimately, the health movement. Three laws respectively are: "Financial organ Counter-Money laundering Stipulation", "Renminbi Large quantity And Suspicious Payment Transaction Report Policing method", "Financial organ Large quantity And Suspicious Foreign exchange Fund Transaction Report Policing method" (below, abbreviation""Stipulation" and two "Means"")Is day by day rampant along with the money laundering crime and each supervision Functional departments condition is day by day mature, the country in view of instead launders money this arduous project action frequency to leave: "Counter-Money laundering Law" the legislation work starts officially; Central Bank was founded instead washes the mint simultaneously to establish the special counter-money laundering Intelligence service---Chinese counter-money laundering monitor analysis center, utilization computerization method enhancement monitor analysis level.""Stipulation" and two "Means""enhance financial supervision dynamics to treat as comprehensively the most important, to does not comply with the law the financial organ and the leader punishes the heavy fine.""Stipulation" and two "Means""define the financial organ, covered has possessed/divides the sub-branch, the Credit society, postal service Chu in the People's Republic of China domestic bank to collect the organization and the non-bank financial institutions.Thus it can be seen, the country regarding counter-money laundering investment's dynamics is unprecedented, under such environment, the country related Functional departments and various Commercial bank takes seriously, recently the People's Bank and outside the administrative bureau set a more careful thorough request in the sending data's form standard and the data accurate degree.This system has custom-made the connection through the advanced analytic statistics model and the high parameter to enable it to have the good function extendibility and service foresightedness. Besides may monitor has obvious characteristic 5 kind of large quantity this foreign currency transaction, 15 kind of Renminbi suspicious payment transaction and 36 kind of suspicious foreign exchange cash and the non-cash transaction, but may also is unable to the People's Bank of China and National Foreign Exchange Bureau the suspicious transaction situation which exhausts to implement at present from definition. May carry on the sensitivity to each kind of suspicious transaction examination rule to adjust and to increase the new monitor rule, satisfies the People's Bank of China and National Foreign Exchange Bureau along with the counter-money laundering work thorough development, but possibly makes to the suspicious transaction report's standard and other transaction behavior adjustment.The financial organ has the massive financial transaction occurrence every day, very good surveillance each kind of suspicious transaction, needs to do the massive statistical analysis work. Using scientific, highly effective statistics processing method, raises the system overall efficiency and the movement stability.This system uses the advanced three constructions, of background processing system and onstage client side system composition. The backstage main engine system including the data level and the processing logic level, is responsible to trade the data receive, the analysis processing, sending and so on entire job, it line and outside the administrative bureau system joins with financial organ's operational channel and the human. May use the UNIX main engine or AS/400 the main engine. The onstage client side system uses the WINDOWS operating system, the graph operation contact surface, the thin client side design, is advantageous for system's maintenance and the promotion. The foreground system may act according to the customer request, distributes in each independent sending organization, and may independently line and outside the administrative bureau joins with the native, carries on automatic sending.System's software construction, has used the clear three constructions, namely front end boundary layer, middle application logic level and rear end data level. Uses the thin client side design proposal, the overall system core concentrates in the backstage, the onstage mainly completes the contact surface operation and possible foreign sendingAccording to the different event's monitoring cycle, adopts abatement sector to the event statistical information table's record the other day the first data and the accumulation the same day the data method, maintained the event statistical information is in the stipulation throughout in the sector. Acts according to regarding the statistical information table uses this statistical method between the most district the value, carries on deletion processing to outside the sector record, like this may reduce the information the redundant statistics, enhances the accumulation information the multiplying rate, saves the storage space, raises the operating efficiencyThrough general transaction pattern plate which obtains abstractly to the bank synthesis operational channel service, the observation system gathering each actual transaction information is compared in the system to trade a pattern plate's hypothesized transaction, thus had guaranteed controls from the inside the system nucleus module the versatility, through trades pattern plate's change or increases, can adapt the different operational channel's change.The system establishment event process track table, through to the event trace table's registration, the match, the continuity check and so on a series of operations, the dynamic handling relatedness event, the system may facilitate handles the relatively complex event to monitor the request accurately.The hard core is the suspicious transaction rule description parameter, it mainly has the delimitation parameter, the statistical method description, the rule definition, in addition a group counts the processing module and the rule analysis module composition. These parts constituted one to be possible to change and the supplement rule architecture nimbly.This system through gathering, the analysis and the accumulation service data, this product has provided the centralized collection of information, the effective analysis monitor as well as the complete verification sending mechanism in view of the large quantity payment transaction and the suspicious transaction behavior. This product first produces the Commercial bank main engine's bookkeeping information, to divide the household information and the transaction information and so on loads to this system own database, then the basis concrete rule definition, the delimitation parameter and statistical method's establishment completes to trades the information the statistics, the analysis, processing, forms the standard the large quantity payment and the suspicious transaction treats the verification information; Completes the data in this foundation the verification, sending as well as the sending result inquiry printing and so on related function. |
PDF Full Text Request