摘要
准确识别金融产品面临的洗钱风险,判断各类洗钱风险的程度,并依此形成对反洗钱工作资源的合理配置,完善洗钱风险控制手段,降低洗钱威胁,是落实"风险为本"工作方法的重要手段,也是提高反洗钱工作整体有效性的重要途径。将风险矩阵方法应用于金融产品洗钱风险评估,设计了风险评估流程,通过构建产品洗钱风险集、危害度集和事件发生概率集,运用头脑风暴法和Borda排序法,对金融产品的洗钱风险进行评估,最终清晰展示各风险点的风险水平并形成应对方案。应用本方法对某金融机构网上银行业务进行洗钱风险评估,证明此方法在现实工作中切实可行。
It is an important means of implementing ＂risk-based＂ methods and improving the overall anti-money laundering effectiveness to accurately identify the financial product money-laundering risks, determine the degree of various money laundering risks, allocate rationally anti-money laundering resources, improve the control strategies for money laundering risks, and reduce money laundering risks. This paper, by adopting risk matrix to assess financial product money-laundering risks, designs risk-assessing procedures, constructs product money-laundering risk set, risk designation set and risk probability set, and assesses financial product money-laundering risks by using ＂Brain- storming＂ and the ＂Borda Sorting＂, based on which the risk levels of various risk points are exhibited clearly and re- sponding strategies are formed. This methodology proves feasible after it is used to assess money-laundering risks in some online banking businesses.
出处
《山东财政学院学报》
2014年第5期31-36,共6页
Journal of Shandong Finance Institute
