Internet Financial Money Laundering Identification And Risk Prevention Research

The rapid development of Internet banking began in 2013, and with the tide of financial reform presents a rapid development trend. The current Internet banking has become the focus of sustained attention in the financial sector, and because of its many advantages, has been widely accepted by the community. But can not be ignored is that the legal level of risk, the risk of monetary policy, network technology risks along with the development of Internet banking came into being. The inherent complexity, concealment and changeability of Internet banking make it a high risk area of money laundering risk, which seriously endangers the normal and orderly operation of economic and financial order. In recent years, the use of P2P net loan platform for illegal fund-raising and through the third party payment platform of laundering illicit funds frequent cases, once again issued a warning to the level of financial supervision, and this shows that engaged in money laundering activities, through the Internet financial service platform of reality and urgency to effectively combat crime of Internet financial money laundering. The prevention of Internet financial money laundering is still in its infancy, on the perfection of laws and regulations, and assist the mechanism to carry out responsibility system construction of key areas and key links is not sufficient, in some areas is still very weak even blank. In this environment, it is very necessary and urgent to analyze and identify the Internet financial money laundering behavior, to prevent money laundering risk and combat money laundering activities.Based on the summary of study on the relevant literature, the third party payment platform, P2P net loan platform to raise public platform research based on the use of case analysis and comparative analysis, summarizes the actual occurrence of the Internet financial money laundering 4 typical cases, deep into the analysis of the core content related to money laundering case, search analysis of the reasons of money laundering risks. At the same time, based on the current financial reform and financial development of the Internet and other practical problems, innovative forms of summary and analysis of 4 typical cases of the current Internet financial money laundering, analyzes 4 common problems in construction of sufficient analysis and combined with the construction of legal system, financial supervision, risk prevention and control and prevention system, draw relevant conclusions.This paper analyze the characteristics of money laundering, Internet financial behavior and the reasons of Internet financial money laundering, full analysis method of foreign financial supervision of Internet, learn from foreign experience and practice of financial effective prevention of money laundering, in accordance with the basic data collection, case analysis, capital has been focused on monitoring the thought of construction of Internet financial risk of money laundering prevention system, and in-depth thinking about research direction of legal and regulatory level, the level of work, responsibility and society.