Research On Anti-money Laundering Issues Of Chinese Banking Industry In The Age Of Big Data

Money laundering is a serious harm to the state's social and economic order,especially to the financial security.Financial security has become the core issue of economic security.As the main channel of the current social capital storage,circulation and financing,the banking industry is also an important part of the whole money laundering chain.Anti money laundering is a hot and difficult field of the world economy,with the rapid development and wide application of Internet technology and big data,cloud computing and other IT technology,human society is irreversible into the era of big data.Big data era has brought profound changes to various industries,especially the impact on the financial sector is huge,to the anti money laundering work of China's banking industry has brought unprecedented opportunities and challenges.Commercial banks must establish a sense of crisis,the flow,change over time.to crack down and prevent the crime of money laundering.First of all,this paper expounds the meaning and characteristics of anti money laundering and money laundering,discusses the new characteristics and new forms of money laundering,and analyzes the latest development of international anti money laundering.Secondly,through the banking anti money laundering process of economics theory of analysis and research,the understanding to the success or failure of the anti money laundering money launderers and regulators both power game,cost and benefit of financial institutions analysis and external constraint regulation and the internal excitation control factors.Furthermore,the elaboration and analysis of the United States,Britain,Japan and other developed countries in the fight against money laundering obtained valuable experience,combined with problems existed in the field of anti money laundering in China,fully learn and refer to advanced foreign experience of anti money laundering.At the same time,the analysis of the financial regulatory authorities in the era of big data to lead the work of anti money laundering institutional mechanisms for innovation.Finally,in the era of big data through to improve the design of the system,establish incentive mechanism for anti laundering,culture of anti money laundering subject awareness of anti moneylaundering and increasing money laundering of criminal cost,expand the anti money laundering international cooperation,in order to build a good economic and legal,technical environment can better solve the problem of money laundering.