保单贴现业务中的洗钱风险及其防范

伴随全球经济一体化和金融创新的不断发展,保单贴现业务也将在国内迅速发展,但其中暗含的洗钱风险需要对其做前瞻性研究。主要分析保单贴现洗钱的具体方式、行为动机和主要特征,然后提出保单贴现洗钱风险防范的初步建议,包括优化反洗钱的宏观战略和采取针对性的反洗钱措施。其中,对实施"风险为本"的反洗钱策略、拓展对洗钱概念的法律定义、拟定保单贴现洗钱的可疑交易行为指南等举措作了较详细论证。

A Forward-looking Research on the Prevention of Money Laundering Risk in Life Insurance Policy Viatical Settlement

Along with the development of global economic integration and financial innovation,insurance policy viatical settlement will see rapid development in the domestic market,therefore,it is necessary to make a forward-looking research on the underlying money laundering risk in this business.This paper outlined the methods,motivation and main features of the policy viatical settlement business,and put forward some preliminary suggestions on how to prevent money laundering risk hidden in it,including the optimization of anti-money laundering macro-strategy and undertaking targeted countermeasures against money laundering.Among them,more detailed arguments were made about implementing the "risk-based" anti-money laundering strategy,extending the legal definition of money laundering and developing the behavior indicators of suspicious transactions through policy viatical settlement.