| Recently,with economic and technological growth,while promoting the development of financial industry,it also increases the difficulty of anti-money laundering work.On the one hand,various financial chaos is rampant,Internet credit and underground banks continue to be banned,online gambling,the secrecy of criminal money is growing,and cross-border money laundering and terrorist financing activities are increasingly threatened,seriously affecting national and social security.On the other hand,the secrecy of illegal and criminal funds is becoming stronger and stronger,and the difficulty of monitoring and tracking is unprecedented.The anti-money laundering compliance management mode of commercial banks has obviously failed to keep up with the current development situation.As anti-money laundering sanctions continue to tighten,our country regulation is to update FATF international standard regulation,gradually increase the intensity of law enforcement,commercial Banks how to improve the management of their anti-money laundering measures to improve the compliance management work,is not only to carry out the external regulatory requirements and the embodiment of the bank to perform the social responsibility,It is also necessary to prevent,strict supervision and control of all kinds of money laundering.This paper firstly reviews the concepts,theories and relevant literature of money laundering,anti-money laundering and compliance management,the actual situation of anti-money laundering control will be discussed later.Then analyze and discuss all aspects of anti-money laundering compliance management of G Commercial Bank M Branch from aspects of work organization structure,internal control system construction and existing internal control measures.Find out the bank management for anti-money laundering work started degree insufficiency,the anti-money laundering system and improve the internal control systems,institutional money laundering risk since the evaluation work is weak,customer due diligence and the effectiveness of the risk classification management,client id information and transaction records is not complete and accurate clues to save and suspicious transactions problems such as omission,It is found that the reasons are the lack of anti-money laundering consciousness of the staff at all levels of the bank,the lack of effective information sharing between various systems inside and outside the bank,the lack of anti-money laundering incentive mechanism and the lack of anti-money laundering human resources.Finally,combined with the shortcomings of the banks,optimization plans are made from the aspects of compliance management,such as the organizational structure of anti-money laundering,anti-money laundering system construction,anti-money laundering system construction,internal coordination mechanism of the bank,incentive and restriction mechanism,training mechanism and anti-money laundering internal control measures.This paper has great reference value for G commercial Bank M Branch to deepen the development of anti-money laundering compliance management in the future,and also has certain reference significance for other similar commercial banks. |
