中国金融领域反洗钱制度分析

【作者】 凌曦；

【导师】 梁志坚；

【作者基本信息】 南京理工大学 ， 国际贸易学， 2006， 硕士

【摘要】 洗钱通常是指为了掩盖非法收入的真实来源和存在，通过各种手段使其合法化的过程。在当今社会，洗钱不单纯是一个刑事问题，它对一个国家的经济、金融乃至政治秩序和社会稳定都会造成相当严重的危害，发达国家的反洗钱体系建设已经处于相当的水平，但是中国的反洗钱工作还处于起步阶段，无论在法制建设方面还是金融监管方面都不成熟，与发达国家还有很大差距。 本文主要介绍反洗钱的基本理论，并通过对国际社会和中国反洗钱工作的阐述及比较，指出目前中国在反洗钱机制建设上的不足。同时利用博弈论的方法，通过求解反洗钱相关方的博弈均衡状况，分析各方在均衡时的策略选择，并指出对效率低的制度选择如何加以改进，使均衡解发生改变，并得到较高效率的制度安排。在文章的最后，本文尝试从立法、金融监管及国际合作等方面提出完善中国反洗钱机制建设的看法和建议。更多还原

【Abstract】 Usually, Money Laundering indicates a process to make incomings legalized by all means for the purpose of concealing the real source of illegal money. In current society, money laundering is not simply a criminal problem. It badly impacts one country’ s economy, finance, political orders as well as society stability. The construction of Anti-Money Laundering system in developed countries has been on a relatively high level, while in China it just stays on the very beginning stage. There exists a big gap between China and developed countries no matter in the legal system construction or financial inspection.This essay mainly focuses on the introduction of basic theory about Anti-Money Laundering. By expatiation and comparison of Anti-Money Laundering between international society and China, It will indicate the deficiency of our work on system construction. Meanwhile by using the game theory, it analyze the balance condition and strategy choice for each player in the game of Anti-Money Laundering, then indicates how to improve the inefficient system to change the imbalance situation and get a relatively high efficiency system arrangement. In the end of this essay, from the aspects of legislation, financial inspection and international cooperation etc. , some attitudes and suggestions will be raised to complement China’ s Anti-Money Laundering system construction.更多还原