“一带一路”建设背景下商业银行防范洗钱和制裁风险策略研究——以某银行Y分行为例  

Research on Commercial Banks’Risk Prevention Strategies for Money Laundering and Sanctions under the Background of“The Belt and Road”Construction——A Case Study of Some Bank’s Y Branch

作　　者：蔡宁伟[1] 张凯[2] 贾帅帅[3] CAI Ningwei;ZHANG Kai;JIA Shuaishuai(Compliance Department,China CITIC Bank Head Office,Beijing 100075,China;Compliance Department,Citic Bank Taiyuan Branch,Taiyuan,030002,China;Institute of Finance,Guangzhou University,Guangzhou 510006,China)

机构地区：[1]中信银行总行合规部,北京100075 [2]中信银行太原分行合规部,山西太原030002 [3]广州大学金融研究院,广东广州510006

出　　处：《经济论坛》2023年第4期99-109,共11页Economic Forum

基　　金：2021年度国家社科基金青年项目“交叉性金融风险水平测度、传导路径识别与监测预警研究”(21CTJ013)。

摘　　要：自疫情暴发以来,世界各地与防控疫情相关的欺诈活动增多,而部分国家或地区受疫情影响,打击洗钱及其上游犯罪活动能力有所下降,增加了企业在对外贸易中面临的洗钱和制裁风险。文章以Y分行高风险国家业务审核记录为依据,对高风险国家业务进行对比分析,从机构盈利能力、客户产品偏好、产品收益分布等维度对比疫情前后变化,旨在探索疫情对银行国际业务的影响,并对如何在有效遵守国内外制裁和反洗钱规则下,持续支持“一带一路”倡议并进一步扩大经营收益提出对策和建议。Since the COVID-19 outbreak,fraud activities related to the prevention and control of the epidemic across the world have increased significantly,and affected by the epidemic,some countries/regions’ability to combat money laundering and its upstream criminal activities has declined to some extent,which has increased the risk of money laundering and sanctions faced by enterprises in foreign trade.Based on the Y Branch’s high-risk country business audit records,this paper makes a comparative analysis of the high-risk country business in 2019-2020,compares the changes before and after the outbreak from the dimensions of institutional profitability,customer product preference,product earning extender,etc.,aiming to explore the impact of the epidemic on banking international business,and puts forward countermeasures and suggestions on keep support of the“The Belt and Road”construction,and further expand business earning in the principle of how to effectively abide by domestic and foreign sanctions and anti-money laundering rules.

关 键 词：一带一路 反洗钱 制裁风险 国别风险 国际业务 

分 类 号：F832.33[经济管理—金融学] F741.1