基层银行业可疑交易报告有效性不足问题研究

可疑交易报告是反洗钱工作的核心措施。在当前银行业以网点报告为可疑交易报告的主模式下,网点数量的快速扩张、防卫性报告、过于依靠系统、重点可疑交易报告质量不高等直接影响了可疑交易报告的有效性。本文从反洗钱岗位人员职业经验不足、分布式的报告模式、异常交易分析排除机制不完善、对客户的异常行为关注不足、反洗钱部门权限不足、监管部门监督的弱化等方面对有效性不足原因进行了分析,并从进一步明确金融机构可疑交易报告的标准、优化金融机构的业务流程设计、改革异常交易分析报告模式,建立反洗钱岗位人员培训长效机制和现场检查协调机制、探索实现可疑交易数据的区域化管理等方面提出了政策建议。

Basic bank industry suspicious report effectiveness shortage problem research

suspicious transaction report is the core measure of anti money laundering. But in the current situation, with the rapid expansion of bank outlets, the problems of defenses reports, and relying too much on computer systems, and low quality reports, reduce the suspicious transactions report＇s validities di- rectly. This report from the lack of the staff＇s expe- rience, and the lack of the anti money laundering de- partment＇s jurisdiction, and the lack of the supervi- sion department＇s intensity, analyze the reasons to de- press the validity of anti money laundering work. In the end, this report recommend some suggestions to promote the anti money laundering work＇s achievement.