摘要
国际贸易受多方面因素的影响,如政策法规、信息资源、商品类型、商品价格和运输、支付方式、保险、外汇监管等,在各节点可能会出现各种风险问题,为切实保障国际贸易的有序、安全进行,需要在各环节、各涉及的相关单位和人员密切配合,实施全流程贯穿、各环节可追溯,提高风险防控水平。其中,商业银行作为国际贸易全流程中提供金融服务的重要环节,应关注国际贸易融资、结算中的洗钱风险管理,洗钱风险会造成的影响及损失很大,防范洗钱风险十分重要。商业银行需要针对有关工作开展的难点和问题,采取科学的对策和措施,提高防范贸易洗钱风险的能力。本文简要就贸易洗钱进行论述分析,讨论商业银行防范贸易洗钱风险的难点,并提出对策和建议,希望对有关工作开展有所参考。
International trade is affected by many factors,such as policies and regulations,information resources,commodity types,commodity prices and transportation,payment methods,insurance,foreign exchange supervision,etc.,and various risk problems may appear at each node.In order to effectively protect the international trade.The orderly and safe conduct of trade requires the close cooperation of all links,relevant units and personnel involved,the implementation of the whole process throughout,and the traceability of each link to improve the level of risk prevention and control.Among them,commercial banks,as an important link in the provision of financial services in the whole process of international trade,should pay attention to the money laundering risk management in international trade financing and settlement.Money laundering risks will cause great impact and losses,and it is very important to prevent money laundering risks.Commercial banks need to take scientific countermeasures and measures in response to the difficulties and problems in relevant work to improve their ability to prevent trade money laundering risks.This article briefly discusses and analyzes trade money laundering,discusses the difficulties of commercial banks in preventing trade money laundering risks,and puts forward countermeasures and suggestions,hoping to provide some reference for relevant work.
作者
姚慧芳
YAO HUIFANG(Sumitomo Mitsui Banking Corporation(China)Co.Ltd.,Shanghai 200120,China)
关键词
商业银行
贸易洗钱
风险防范
难点
对策
Commercial Banks
Trade Money Laundering
Risk Prevention
Difficulties
Countermeasures
