| With China's economic development and deepening of globalization, the growing crime rate of money laundering becomes more and more serious. In recent years, the international money laundering presents a number of trends. More financial institutions and financial professionals will be used by money launderers for their services. New financial instruments and financial derivatives will be widespread used by money launderers. Money launderers will use more international financial integration, network rollout in money laundering around the world. Money launderers will gradually strengthen the complexity of means of money laundering and technological modernization of money laundering. These trends indicate that international money laundering and financial institutions will connect more closely to each other. Now money laundering is a common and serious problem that the international banking faces. With the gradual opening up of China's financial market and rapid economic development, money laundering and criminal activities in China is becoming an increasingly serious situation, and preventing and combating money laundering are becoming increasingly difficult. There are tremendous pressures on commercial banks'business management. Commercial banks face a higher demand.From the current situation, as anti-money laundering work carried out in China recently, some commercial banks, especially the grassroots line, have misunderstandings on staffing and behavior. Some commercial banks even think anti-money laundering a burden. Anti-money laundering work efficiency and quality need to be improved. Commercial banks in the anti-money laundering work play a decisive role. Good anti-money laundering work is not only the need of legally sound business, but also the needs of financial supervision. It is even the need to safeguard national financial security. Commercial banks should fully understand the importance of the work of anti-money laundering and should be in strict accordance with the provisions of relevant laws and regulations. Commercial banks need to take the necessary measures to actively carry out anti-money laundering work and maintain financial order and stability.In this paper, the implications of money laundering, characteristics, methods, processes, and other content are introduced and the dangers of money laundering are analyzed. Some measures of China's central bank and commercial banks of the anti-money laundering are also introduced in a simple sort. Commercial banks'efforts on the current anti-money laundering is analyzed. Through analysis, there are some problems to be found out. Such as misunderstanding of the importance of anti-money laundering work, lack of professionals, internal control systems, lack of effective motivation. Cash deposit is difficult to control. Information resources are difficult to be shared. Analysis of anti-money laundering information technology is difficult to play. Commercial banks lack sufficient attention to online banking anti-money laundering. In this paper, there are also some proposals for the difficulties. Commercial banks need to strengthen anti-money laundering propaganda and strengthen professional training. Improving the internal control mechanism, regulating the anti-money laundering procedures and strengthening cash management is also needed. Commercial banks should vigorously promote the non-cash settlement tools. Establishing and perfecting the incentive and restriction mechanism of anti-money laundering is very important. This will mobilize the initiative of the various departments involved in anti-money laundering. Strict implementation of anti-money laundering laws and regulations, strengthening account management and strengthening online banking management are also important. |
