个人银行结算账户粗放式管理下潜在的洗钱风险及对策  

The Potential Risks of Money Laundering and Its Countermeasures under the Extensive Management of Personal Bank Settlement Account

作　　者：陈崇跃[1] 黄平[1] 

机构地区：[1]中国人民银行南平市中心支行,福建南平353000

出　　处：《上海金融》2012年第6期97-100,119,共4页Shanghai Finance

摘　　要：个人银行结算账户使用自由、方便、不受限制,不仅可用于各种性质资金的收支和款项划转,甚至能够用于各类金融产品的投融资活动。由于银行对个人银行结算账户的管理粗放,使大量投融资、生产经营性资金自由进入该类账户,不仅影响了正常的税收、统计、支付等管理秩序,同时也极大地增加了个人银行结算账户被用于洗钱的风险。本文从其粗放式管理的现状、存在洗钱风险的隐患入手,深入分析原因,并提出对策建议,以供参考。Convenient, unrestricted and at one's own command, the personal bank settlement account is used not only to receive, expend and transfer all sorts of funds but to launch all types of financial products.Y et the extensive management of banks on the personal bank settlement account allows the flow of the large amount of investment and financing funds along with the production and operation funds, which not only affects the regulation in terms of taxation, statistics and payment but also increases the risks of money laundering via personal bank settlement account to a great extent. The article makes an analysis on the extensive management of banks on the personal bank settlement account and the hidden dangers of money laundering and puts forward the suggestions for reference.

关 键 词：个人 账户 精细管理 反洗钱 

分 类 号：K42[历史地理—历史学]