Research On Process Optimization Of Anti-money Laundering In C Bank Jinan Branch

Money laundering crime belong to the category of economic crime,is a serious crime,which not only undermine the fair and orderly competition of market economy,But serious reputational risk to financial institutions,threaten the safe operation of the financial system.In addition,help drug trafficking,smuggling,money-laundering crime underworld,terrorism,serious criminal activities such as corruption and tax evasion and money laundering,financing a new round of criminal activity,for a country's political stability,social order,economic development and poses a serious threat to the security of the political system.According to the data of related cases that have been cracked in China,90%of criminal money laundering or terrorist financing activities are carried out through financial institutions.So financial institutions is not only the first line of defense against money-laundering,is the backbone of the anti-money laundering and anti-terrorist financing.In recent years,the international anti-money laundering standards and assessment methods made substantial changes to the financial institution,which has brought great challenges.In the face of challenges,financial institutions can only get rid of the past anti-money laundering work ideas,in-depth study of new regulatory policies,optimize and rebuild internal anti-money laundering work processes,fully mobilize various resources of financial institutions,improve the efficiency and effectiveness of anti-money laundering work,so that financial institutions could steady development in increasingly stringent regulatory compliance operating.This article first analyses the domestic and foreign research status of anti-money laundering and introduces the definition of money-laundering and anti-money laundering,briefly discussed the theory of business process reengineering,ECRS Arguments related to analysis and the theory of value chain and method.Secondly,this paper introduces the development of Jinan Branch of C Commercial Bank and the current situation of anti-money laundering work.First,it analyzes the current situation of anti-money laundering organization structure,and points out that the existing structure gradually exposes the shortcomings in the face of more and more workload.Second,mainly from the operational efficiency and operational quality analysis of existing suspicious cases reported process defects.Third,the customer money laundering risk classification process status analysis,mainly from the process of standardization and risk-centric analysis of the existing process of the drawbacks.Fourth,the line of anti-money laundering investigation process status analysis,pointing out that the existing process cannot meet the timely,accurate and complete work requirements.Finally,this paper summarizes the causes of the above problems,draws on the domestic and international research results,combined with business process optimization and process reengineering theory,Theory and practice,from flattening organizations,streamline business processes,increase the risk of information sharing,standardization of processes to optimize,and strive for the C Jinan branch of Bank to design a more efficient anti-money-laundering business process system to address C Banking officials nervous,inefficient operation,communication barriers and other issues.Meanwhile,hopes for the exploration and practice of other financial institutions against money laundering,provide valuable information or help.