However, anti-money laundering was so strange to me before. I had just joined the work at that time. As a cashier, my daily job is to save money and withdraw money. The supervisor told me that our bank stipulates that ID cards should be verified for cash transactions of more than 50,000 yuan. I asked why, and the supervisor told me it was for anti-money laundering. I wonder, anti-money laundering? Can't you wash the money in water? Love RMB, right?
It turns out that anti-money laundering is a money laundering activity to prevent the source and nature of crimes such as drug crimes, underworld crimes, corruption and bribery crimes, and crimes that undermine financial management order through various means. Common money laundering methods involve banking, insurance, securities, real estate and other fields. Although I haven't touched it before, as a bank employee, I should know that anti-money laundering is around, and I must not take it lightly.
Since then, I have paid special attention to anti-money laundering cases. I don't know without looking. It looks really shocking at first sight. Criminals often use financial institutions, underground banks, and false investments. Transfer illegal money obtained from fraud, smuggling, corruption and other crimes. And the means are so complicated and professional. We must pay attention to two points in our work: first, implement the customer identification system and carry out customer identity due diligence, that is, identify customers who require to establish business relations or handle one-time financial business with a specified amount or more, understand the true identity of customers, the purpose and nature of transactions, and effectively identify the beneficiaries of transactions; The second is to submit large and suspicious transaction reports, that is, when handling business for customers, if you find abnormal signs or suspected crimes or large transactions, you should report to the People's Bank of China in time. The former is the basic work of anti-money laundering in China and the important premise of the latter; The latter is the key link for us to fulfill our anti-money laundering obligations and prevent and control money laundering risks.
Anti-money laundering is a huge social project. With the improvement of the anti-money laundering system, I believe we will do better! Anti-money laundering, we are on the move!
Bank Anti-Money Laundering Draft (II)
According to international practice, money laundering is an act and process of concealing and disguising the source and nature of illegal funds and transforming them into seemingly legitimate funds by some means. It mainly includes providing fund accounts, assisting in the transformation of property forms, and assisting in the transfer or remittance of funds abroad.
Money laundering is a serious threat to China's national security and economic security. First, shake social credit and lay a curse for the financial crisis. Second, a large amount of social wealth is lost abroad, mainly including corrupt capital flight and corporate profit transfer tax evasion; Third, it destroys social stability and brings great insecurity to society; The fourth is to interfere with the formulation and implementation of national macroeconomic policies.
In the form of expression, the common forms of money laundering are:
1. Setting up a shell company to launder money is the most typical and commonly used money laundering mode.
2. Money-laundering through false name deposit or purchase of financial instruments.
3, illegal money laundering, illegal funds mixed with legal funds through financial institutions.
4. Use import and export trade to launder money, and transfer the stolen money abroad by selling at high prices and buying at low prices.
5. Set up a foreign-funded company or use the foreign exchange black market for international money laundering, and return to China as an overseas investor after money laundering.
6. Tax fraud and money laundering. Set up fake enterprises, engage in fake exports, defraud tax rebates and transfer illegal funds through various channels.
7. Use affiliated units to launder money.
8. Money laundering by taking a lot of cash from different places.
9. Money laundering through "underground money houses".
10, money laundering through insurance companies. After the insurance, the illegal funds will be recovered through legal forms such as refund and surrender.
1 1, using specific non-financial institutions such as auction houses and jewelers to launder money.
12, money laundering in the form of private lending.
13. Money laundering through frequent securities and futures trading.
14, using state-owned enterprises to launder money. Transfer and sell the property rights of state-owned enterprises at low prices, and divest state-owned assets to private enterprises.
Money laundering does a lot of harm. Concealing and concealing the source and nature of the proceeds from drug crimes, organized crimes of underworld nature, terrorist crimes, smuggling crimes, corruption and bribery crimes, crimes of disrupting financial management order and financial fraud crimes in various ways will constitute the crime of money laundering. The act of laundering the proceeds of other crimes and their proceeds is also investigated by criminal law.
With the rapid development of China's economy, the domestic economy is increasingly integrated with the world economy, economic crimes are grouped, criminal division of labor is specialized, and criminal acts are internationalized. It is urgent to strengthen anti-money laundering work, and everyone should start from me.