Study On Anti-money Laundering Of Commercial Bank’s Internet Banking

To adapt the fiercely competition of current financial market, domestic commercialbanks have to change their management approach to development. Online banking ande-marketing channels were used as the main starting point for commercial banks toachieve the transformation.Online banking become more acceptful for convenience andefficiency,and exploited by money launderers. The research on commercial banks onlinebanking anti-money laundering countermeasures, aimed to avoid compliance risk,ensuring a healthy and orderly conduct.This paper not only proposes the commercial banks to carry out online bankanti-money laundering necessity, but also use Nash theory, to commercial banks,commercial banks and money launderers, commercial banks and regulatory departmentsis analyzed by game theory, in the anti-money laundering supervision of commercialbanks under, in the pursuit of the maximization of utility at the same time, how to"rational choice". On Internet bank the cost-benefit analysis, from the angle of benefitcost puts forward to do online banking anti-money laundering work measures. Comparedwith our country, the international counter-money laundering work one step ahead, inthe new field such as money laundering money laundering network has very goodpractices are worth our learning and reference, therefore, from the international moneylaundering in Internet bank case proceed with, summed up the international Internetbanking on anti-money laundering regulations and framework, introduced the UnitedStates of America practice and experiences, find out the experience and Enlightenmentof international Internet Bank. This paper analyzed the current commercial bank on-linebank counter-money laundering work deficiencies, such as customer identificationdifficult, difficult to identify suspicious transactions, anti-money laundering monitoringsystem is not perfect and so on seven problems, analyze the reasons, and based on theactual situation of our commercial banks and puts forward some strengthening internetbank anti-money laundering measures and suggestions.Through this paper, not only for anti-money laundering staff to provide reference,to our country commercial bank counter-money laundering work of brainstorming. But on money laundering in Internet bank more clear understanding, improve the Internetbank ’s attention, in order to betterly meet regulatory requirements, prevention ofcompliance risk of commercial banks, to establish a good image and lay the foundationfor.