Analysis On The Anti-money Laundering Compliance Inspection System Improvement Of C Electronic Payment Institution

In recent years,under the background of COVID-19 epidemic,the international political situation has become complicated,and the international anti-money laundering and antiterrorist financing regulatory situation has become more severe.The electronic payment industry is facing new opportunities for international development while also facing new regulatory challenges.In order to prevent risks,electronic payment institutions need to further strengthen the construction of their own three risk defense lines of anti-money laundering and anti-terrorist financing and promote the implementation of risk management measures by strengthening the internal supervision and inspection mechanism of anti-money laundering.This paper systematically summarizes the research background and research significance of the anti-money laundering compliance inspection mechanism,reviews relevant domestic and foreign literature,briefly describes the research ideas and methods.Besides,this paper summarizes the operation status of the anti-money laundering compliance inspection mechanism of C payment institutions.These problems existing in its actual work are studied and analyzed: the construction of the internal policies and procedures for anti-money laundering compliance inspection needs to be further improved,the inspection methods and tools are insufficient,the competence of anti-money laundering compliance inspectors is insufficient,and the follow-up rectification result of the inspection is not enough.In order to solve the above problems,this paper digs into the deep-seated reasons for the problems,compares the actual work of C payment institutions and domestic financial institutions in the anti-money laundering compliance inspection mechanism,and summarize experiences that can be used for reference.Through research and analysis,this paper puts forward four suggestions for improvement.First,further improve the internal policies and procedures of anti-money laundering compliance inspections by enhancing the practicability and operability.Second,strengthen the incentive measures and technological support for anti-money laundering compliance inspections,including improving incentive and reward and punishment system and developing system tools with complete online functions.Third,further optimize the anti-money laundering compliance inspection staff and strengthen professional training.Fourth,in order to improve follow-up rectification efficiency,continue to cultivate internal anti-money laundering compliance cultural atmosphere by strengthening internal anti-money laundering training as well as strengthening internal and external communication and cooperation.The suggestions in four aspects provide a certain reference for C payment institutions to further optimize the anti-money laundering compliance inspection mechanism,effectively integrate with the advanced level of international anti-money laundering compliance work and establish an international anti-money laundering compliance management system.