互联网金融时代反洗钱防御体系的构建  

The Construction of Prevention System on Anti-money Laundering at The Age of Internet Finance

作　　者：于春敏[1] 周艳军[2] 

机构地区：[1]上海金融学院法律系 [2]上海第二工业大学经济管理学院

出　　处：《财经科学》2014年第11期22-30,共9页Finance & Economics

基　　金："互联网金融时代消费者保护";中国博士后科学基金面上资助项目(2014M561390)

摘　　要：互联网金融所带来的洗钱风险正日益加大,洗钱方式多种多样。风险隐患包括互联网金融游离于现行法律法规和监管之外、缺乏客户身份识别手段、相关互联网金融机构缺乏履行交易记录保存和可疑交易报告的责任意识、可疑资金追踪监测困难等方面,其中,反洗钱最根本的障碍在于产业碎片化所导致的信息分割。我国有必要从完善立法监管、深入开展客户身份识别、加强系统建设提升监测水平、建立反洗钱激励约束机制、拓展国际合作等方面着手构建宏观反洗钱防御体系,实现各义务主体反洗钱工作间的无缝衔接和反洗钱合力的充分发挥。The money laundering risk brought by the Internet fmanee is increasing, and there are various ways of money laundering. The risks include the lack of supervision, insutticient client identity identification means, the related Internet financial institutions lacking the sense of responsibility to keep the transaction recording and report suspicious transactions, suspicious tracking monitoring is difficult, the information division caused by the industry fragmentation is the fundamental obstacle during anti - money laundering. It is necessary for us to per- fect the legislation and regulation, carry out customer identification, strengthen the system construction to im- prove monitoring level of anti - money laundering, establish incentive and restraint mechanisms, expand inter- national cooperation to build a macro anti- money laundering defense system, through which to implement the seamless interface of the anti- money laundering work and the full play of different anti - money laundering a- bility.

关 键 词：互联网金融 反洗钱 防御体系 

分 类 号：D924.3[政治法律—刑法学] F832.2[政治法律—法学]