代理行业务反洗钱管理研究

代理行业务作为商业银行国际业务的重要组成,对于促进跨境金融活动、支撑国际贸易、推动包容性增长等方面具有重要意义。但由于该业务的内生特点,往往隐藏着较大的洗钱风险。近年来代理行业务洗钱案件频现,凸显了代理行业务在风险治理、尽职调查、风险评估、交易监控等方面的问题。商业银行要稳健发展好代理行业务,需要从事前、事中、事后等环节加强反洗钱管理。

Research on Anti-Money Laundering Management of Correspondent Banking

As a crucial part of commercial banks’ international business, correspondent banking is of great significance in promoting cross-border financial activities, supporting international trade and promoting inclusive growth. However, due to the endogenous characteristics of this business, there is money laundering risks in it. In recent years, money laundering cases in correspondent banking are frequent and the volumes of fines are astonishing, highlighting the problems in risk governance, due diligence,risk assessment, transaction monitoring, etc for AML management. In order to develop its correspondent banking business steadily and healthily, banks should enhance the AML management including preevent management, in-the-matter management and afterwards management.