Design And Implementation Of An Anti-money Laundering Management System Of Rural Credit Cooperatives

With the era of economic globalization,the development of more and all the world financial and economic,scientific and technological aspects of the more closely linked with the development of science and technology change rapidly,a variety of high-tech crime has become increasingly rampant.Money laundering tools have become more and more,although various banks,organizations,institutions have taken the appropriate preventive measures,but the anti money laundering work is still placed in front of many financial institutions,an urgent problem.Rural cooperative banks in Gansu province of the actual situation,found that the anti money laundering work is very weak,need a corresponding money laundering monitoring,early warning,reporting and treatment system,to solve the problems of money laundering transaction,to ensure the healthy operation of enterprisesIn the overall system architecture on the rural cooperative banks in Gansu Province issued money laundering monitoring data submitted to the system is the choice of multi-level architecture,for the structure,architecture,development mode etc.the overall system architecture,and through the SSH architecture and database design on the whole system.In the first step,we conducted a survey on the basis of day-to-day work of rural cooperative banks,especially in the anti money laundering work flow and early warning mechanism were studied and analyzed,the key to see the work: 1,the process of the need to pay attention to in the work of a sort,found five key tasks in the workflow: case management,early warning management,report management,risk management and system management.In 2,found the task requirements,based on the demand of design and implementation of development path,select the structure used in the technical architecture and system developers choose B/S architecture to realize business systems,to realize cross platform and cross server,database and system maintenance and design of low cost upgrade finally,in order to improve the compatibility of the application server support more choice of B/S development mode.3,in the anti money laundering of rural credit cooperatives in Gansu province management system implementation process,in order to guarantee the system stability and durability,in the algorithm,flow and interface based on the detailed design of each function module of the system carried out a full range of test.Gansu Province Rural Credit Cooperatives anti money laundering monitoring data submitted to the system contains the main function modules are: early warning management,case management,report management,risk management and system management.In the early warning management module: warning and warning to subdivision subdivision list,trade increase,early warning information collection,warning five sub function module.For the case management module,we divided it into five sub modules: large transaction cases,large re reported cases,suspicious transactions cases,suspicious cases and other cases.Three sub function modules are constructed in the report management: anti money laundering report,anti money laundering feedback notice,management report.Risk management module is mainly risk analysis and tracking management of these two sub functional modules.Among them,the risk analysis of the detailed division of customer information,account information,transaction information and characteristics of the analysis of these functions.Tracking management is on the black list tracking,large capital inflow tracking,high-risk areas of customer tracking these features are subdivided.System management is divided into three main modules: basic module management,information announcement and system monitoring.The design of the anti money laundering monitoring data submitted to the system and implementation of the Ji'nan Bank of Gansu province will make the anti money laundering work efficiency is greatly improved,while reducing the budget expenditure related projects,in addition,the system can make up for some deficiencies about anti money laundering.