Banks Based On Cash Flow Patterns Of Behavior Research And Implementation Of Anti - Money Laundering Monitoring System

With the rising of China in economics and trading in the world, and the progress of one world economics, money laundering is becoming rampant. So far, our reporting for County AML (Anti-Money Laundering) is based on the "1 rule and 2 laws" which was issued by PBOC in 2003. Under the scheme, and submit the data generated by the existence of a high false alarm rate, data volume, easy-to-be money launderers to avoid regulation, and the inability to automatically adapt to changes in the form of money laundering, and many other disadvantages. Therefore, for financial regulators and the banks have an urgent need to be more efficient, more accurate monitoring and submitted to the suspicious money laundering transactions.This article takes the actual background by the Foreign bank counter-money laundering information management system development, in the investigation and study as well as analyzes the counter-money laundering information management demand in the foundation, proposed that carries on the classification according to the different customer characteristic, is popular according to each kind of customer different fund to establish each kind of detection criterion, and causes it to become "the fund popularly is the template". And, based on the customer eigen vector/feature vector/proper vector, has carried on mathematics modelling to each kind of detection criterion, utilizes the object-oriented analysis and the design method, developed and realizes has been popular based on the fund for the pattern counter-money laundering observation system. This system the structure which unifies based on B/S, take C# and the JavaScrip technology as the development kit, used SQL Server to take the backstage database, the system has realized functional modules and so on day-to-day business management, data analysis, report generation, jurisdiction establishment management, and has carried on the simulation economic activity simulation experiment under the testing environment, has further confirmed this monitoring method real feasibility.