论“互联网+”时代反洗钱措施之变革——“互联网+”背景下国家反洗钱的脆弱性及其应对  

On the Reform of Anti-money Laundering Measures in the “Internet +” Era——The Weakness of National-level Anti-money Laundering in the Background of “Internet +” and the Countermeasures

作　　者：吴朝平[1] 

机构地区：[1]中国银联风险监控服务中心,上海200135

出　　处：《征信》2016年第3期1-6,共6页Credit Reference

摘　　要：我国正加速"互联网+",洗钱风险也正伴随"互联网+"加速井喷,表现在:遥遥领先于监管的支付和金融创新使"互联网+"迅速沦为洗钱犯罪洼地、"互联网+"导致洗钱打击难度大幅度增加、互联网的非面对面属性使洗钱成本大幅度降低。为有效应对"互联网+"背景下井喷的洗钱风险,需在改革国家反洗钱顶层框架设计基础上,借助"互联网+"浪潮,全面推进反洗钱监测体系变革、客户身份识别制度变革、交易记录保存制度变革等反洗钱核心工作,提升国家反洗钱防御体系效力。The risk of money laundering increasingly blows out along with ＂internet ＋ ＂acceleration in China,which is manifested in： payment and financial innovation that goes far ahead of supervision has made ＂Internet ＋ ＂quickly become a crime lacuna for money laundering; ＂Internet ＋ ＂leads to greater difficulty of the fight against money laundering,and the non-face-to-face attribute of ＂Internet ＋ ＂greatly reduces the cost of money laundering.In order to effectively deal with the blowout risk of money laundering in the background of ＂Internet ＋ ＂,it＇s necessary to comprehensively promote the accomplishment of three core anti-money laundering tasks based on reforming the top-level framework design of anti-money laundering at the national level and resorting to ＂Internet ＋ ＂waves,that is,to reform anti-money laundering monitoring and measuring system,to reform customer identification system and to reform transaction record keeping system,so as to enhance the effectiveness of national anti-money laundering defense system.

关 键 词：互联网+ 反洗钱 犯罪 变革 挑战 

分 类 号：F832.2[经济管理—金融学] D922.281[政治法律—经济法学]