Deepening Financial Reform Under The Anti-money Laundering System Optimization And Regulation In The Wenzhou

From national anti-money laundering experience, the financial sector is the most likely to be used by criminals. This paper based on the theory of public management, combined with local government anti-money laundering system development present situation and problems, as a case study of BANK OF WENZHOU, analyzing the status quo of the construction of anti-money laundering system is insufficient System optimization based on content, from the \"Know your customer\", identify and report suspicious transactions, special account activity from four aspects, such as monitoring, internal control program optimize the BANK OF WENZHOU anti-money laundering system, this article research is helpful to strengthen the BANK OF WENZHOU anti-money laundering work, more to the design of other financial institutions in anti-money laundering system optimization to provide a good reference, research has important theoretical significance and practical significance.In this paper, we study mainly includes the following several aspects:the first chapter studies both at home and abroad, the related theory of anti-money laundering system design at home and abroad were reviewed, comb research achievements and the insufficiency, explore the standpoint of this article research. Money laundering and anti-money laundering theory research, chapter 2 on money laundering concept and characteristic, method and process of money laundering, the harm of money laundering, the use of bank channels in the form of money laundering, money laundering in our country and the development and evolution of the concept of money laundering, international anti-money laundering supervision system composition, the international anti-money laundering cooperation organization, development and current situation of anti-money laundering in our country is introduced. The third chapter of BANK OF WENZHOU anti-money laundering system present situation. In BANK OF WENZHOU and its current situation of anti-money laundering, explore the problems of BANK OF WENZHOU anti-money laundering system, namely the anti-money laundering propaganda work shortcomings, anti-money laundering disadvantages with the professional talent training standard of suspicious transactions is imperfect, payment information submitted is not standard, low efficiency of anti-money laundering field inspection and pertinence is not strong, the shortcomings on anti-money laundering prevention and control. The fourth chapter of BANK OF WENZHOU anti-money laundering case analysis, this paper introduces money-laundering case, this paper money laundering methods, their thinking and enlightenment. Fifth chapter learning and draw lessons from foreign advanced experience, to Europe and the United States developed national bank, the Asian bank anti-money laundering in developed countries and combing foreign anti-money laundering advanced experience of enlightenment, namely to fully understand the customer, from the source to eliminate suspicion, accelerate the construction of anti-money laundering internal control system, strengthen the risky customer due diligence and monitoring of funds, the bank counter personnel training of anti-money laundering. Chapter 6 improvements and Suggestions of BANK OF WENZHOU anti-money laundering system, that is, one is perfect to perfect the related system, perfect the internal control mechanism; Second is based on risk management regulation, include to establish and perfect the system of\"know your customer\",\"special account activity monitoring system\", \"to identify and report suspicious transactions]" system; 3 it is to improve the anti-money laundering supervision and incentive constraint clause; Four is, gradually establish a preventive internal control procedures, include to strengthen the monitoring of internal control key elements of each link, establish record retention mechanism, strengthen the anti-money laundering staff position and responsibility of the arrangement, build and perfect the mechanism of continuous education training, build and perfect the mechanism of audit, five is create a good environment for the anti-money laundering system construction.