我国金融业反洗钱机制现状分析及对策研究

目前我国金融业已基本形成了以“一规两法”为主要内容、以中国人民银行反洗钱局为主要机构的反洗钱机制。但是仍然存在诸多不足,打击洗钱犯罪的立法结构和立法内容不够完善、“一规两法”存在缺陷、反洗钱实践遇到困难以及国际合作存在一定难度等。因此,必须加快反洗钱法制建设,建立金融机构的内部控制机制,完善金融机构反洗钱基础性工作,建立与金融机构反洗钱制度相衔接的社会反洗钱系统,加强打击洗钱犯罪的国际合作。

Current Situation and Countermeasures on Anti - laundering Mechanism in Financial Circle of China

At present the anti-laundering mechanism has been established based on the main contents of" one regulation and two laws" and the main institution of Anti-laundering Bureau of People's Bank of(China,) but some deficiencies can still be found in the legislative structure and contents for combating money laundering crimes and in"one regulation and two laws".In addition, there are difficulties in anti-laundering practice and international cooperation.Therefore,the following measures should be taken: accelerating the(legal) construction of anti-laundering,setting up a mechanism on the internal control of financial institution,improving the basic financial work concerning anti-laundering,forming a social-wide anti-laundering(system) connecting to the anti-laundering scheme in the financial institution and reinforcing the international cooperation in combating money-laundering crimes.