论银行业反洗钱制度构造-毕业论文.docVIP

中文摘要 银行的反洗钱工作已经成为国家金融法律工作的重点项目之一， 最近通过的《反洗钱法》就是一个重要的证明。但是面对如此复杂的 反洗钱实践，笔者深感反洗钱的立法与实践存在诸多问题：立法上存 在混乱与重复的局面，如原先的“一个规定与两个办法”如何与《刑 法》、 反洗钱法》中相关洗钱规范的立法协调问题；执法中存在着严 重的具体操作缺失问题……理论与实践的矛盾促使笔者以此作为选 题对反洗钱相关制度进行剖析，以期为银行反洗钱工作的实践操作提 供自己的看法。 本文笔者以自己在银行从事反洗钱活动多年的工作经验为背景， 从实践的角度对反洗钱制度的操作制度进行剖析，提出了自己的制度 设计方案，以期达到将理论与实践相结合的效果。 本文的创新点在于：避免了纯粹理论上的反洗钱行为探讨，更多 是讨论了银行业实际的反洗钱实务操作，通过这些操作制度的构建为 理论上反洗钱制度设定提供了实践的素材。同时，行文中笔者将福建 地区特别是泉州安溪等地的反洗钱工作实践案例融入本文的探讨当 中，赋予洗钱理论以实践案例的解读，以期达到反洗钱理论与银行反 洗钱实践的呼应。 本文在论述过程中，主要从银行反洗钱的内控制度、客户身份识 别制度、大额与可疑交易资料登记制度、反洗钱现场调查制度、反洗 钱国际合作制度等几个方面进行论述，将银行反洗钱制度的具体内容 和程序操作一一总结与剖析，提出了自己的绵薄意见，以期促进银行 反洗钱工作实践与理论的完善与改进。 [关键词] 洗钱  反洗钱  电子支付工具 Abstract Anti-money laundering law system of banking industry is an important part of national financial legislation highlighted by recent implementation of anti-money laundering law. As a new thing,anti- money laundering law system is far from perfect,for example: Current administrative rules don’t well coordinate with criminal law and anti-laundering law on definition of money laudering;There still lack some provisions in the law or rule concerning practical operation,and so on.In a word,there is a big gap between theory and practice regarding  anti-money laundering in banking industry.Therefore the author select and research this theme aiming to better guide anti-money laundering operation. Based on rich work experience,the author design a constructive system of anti-money laundering in banking industry.The designed system absorb the essence of anti-money laundering daily operation.It will achieve a good effect in combination of theory and practice. The article has the following innovative point of views. It avoid purely discussing anti-money laundering theory, and attach more importance to the daily practice which provide sufficient material for theoretical system establishment of anti-money laundering in banking industry.Meanwhile the author introduce lots of local case concerning anti-money laundering work. By analyzing the tru