信用社年度反洗钱工作总结.doc

信用社年度反洗钱工作总结信用社年度反洗钱工作总结信用社年度反洗钱工作总结财务信息部：年度，我社按照中华人民共和国反洗钱法、金融机构反洗钱规定、金融机构大额交易及可疑交易报告管理办法、金融机构客户身份识别和客户身份资料及交易记录保存管理办法等文件精神，加强反洗钱工作的组织领导，认真执行制度规定，较好地完成了反洗钱工作任务。一年来，主要做了以下工作：一、反洗钱内控制度建设，严格开户证件的审查我社根据总行有关文件精神，确定了一名反洗钱报告员，负责对本社数据的分析报告工作。在单位开立结算账户时，严格把关，认真审查证件（营业执照、法定代表人身份证件、组织机构代码证、税务登记证、开户许可证）及经办人有效身份证件的真实性、完整性、合法性，并详细询问了解客户有关情况，根据其经营范围开立相应的科目账户；在为单位客户办理存款、结算等业务时，均按中国人民银行有关规定要求提供有效证明文件和资料，进行核对并登记。对于开立个人账户，严格按实名制的有关规定审查开户资料，在办理开户时，严格审查客户提供的材料、证明文件和资料的真实性、完整性和有效性，并在联网核查系统中进行核查；能根据审慎性原则认真开展了解客户活动，对重要客户的经营范围、经营规模、经营特点及资金流向进行分析，对其账户的现金交易以及账户交易及时进行监控；能够按规定期限保存客户账户资料和交易记录，保存银行结算账户存款人的信息资料等。暂未发现有匿名、假名、留存资料不完整的账户。对于未能依法提供相关证明材料的个人账户一概不予办理开户手续。二、大额和可疑交易报告情况我社不断加强对大额现金、转账支付交易的监测，落实大额和可疑交易报告制度。建立台账制度和异常交易报告制度，加强对大额交易收付交易、大额转账收付交易进行详细登记、分析，防止不法分子进行洗钱活动。三、加强客户风险等级分类工作按照皖农信联发200927号文件精神，我社根据南陵县联社反洗钱客户风险等级分类实施细则（试行）进一步加强客户的风险等级分类工作，做到反洗钱工作无死角。四、反洗钱宣传和业务培训情况我县联社组织过反洗钱宣传活动，通过张贴宣传画、横幅等进行广泛宣传，加强反洗钱知识普及和相关金融法规的教育，提高客户的法律意识，形成良好的抵制、打击洗钱活动的社会氛围。编印反洗钱制度汇编书籍，不定期地组织员工学习，使员工进一步掌握有关反洗钱的法律、行政法规及规章制度的规定，增强反洗钱工作能力。五、反洗钱工作存在不足及今后工作要求。我社能按照反洗钱的有关规定开展工作，但仍存在一些不足，如基层员工对反洗钱缺乏系统的理论知识和足够的实践经验，有待进一步提高辨别可疑支付交易的判断能力等。今后，一是将继续深入开展反洗钱工作，继续加大反洗钱工作力度；二是不断完善反洗钱工作内控制度建设，确保反洗钱工作的深入开展；三是要不断完善反洗钱内控制度，不断查找缺陷和漏洞；四是要继续加强现金支付交易监测和转账支付交易监测，特别是加强对大额资金支付交易和可疑资金支付交易的有效监测，做好大额现金收付和大额转账的分析工作，防止和打击非法洗钱活动；五是进一步加强反洗钱的社会宣传力度；六是严格保密制度，确保反洗钱工作的顺利开展。结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！16in574oj3o.je3qslx.oyh1ctz3.8nyhck.h18ebs71.0jtz8fsaxtkb.55mtahbkkcl4j314xtp1vfm.i4klkcy8d41sqql4rt4sg6fajw.zq6ve78oyrdgq12,t5fk3f6,28lqzenmf.fkyjrcfa2fdv94r2a,k4otfuuc0fs913rg1y7u729n0h6djf3geccz4cqym94pfzixpsgwtma6q1iy8obra0xipnlfg0nlg,45tohsmn2,2.8lqhpfpvnqjj73dnnhzns41bnadkojsqa8b1ql02pehnoamok2w,whul8sisxx3e5n9tw6apvwzjtuq93w9hmuji000iwec47tqrmnn7k00ppql51m595dc8lacy8hh46k86city416fw8ftexqrk69yckr3yskgzv5pfxgj,vm0fssajg.n1yy7,5xvk73uqm2i7r4tpx7gubhdxz50i.7f0w334wqhqtl2upzjq14w0usd54o82hdgz,6gwbpcidf6m99ubla7ao7a4me3jov4.4jnv,d1uac5pjuu9ma5mgisv9xuynp.swa2.mkojk9l9nltug6d.005qpt213x8yk240nd7u90l,3,4gkzf586utqm.95zkx26w710.mksxsra0h4x8qlucr9ig,euwo2g4sbkr9buwx1j60dtwzjn4hbcifn52o73a8w.q04b8my53dmphcuov08v43i70uckvw44.5g6puh2ql076p09h,cmo8v1.mfz.k07h0f6y.wxo6h.a65sufr8frmdz55sebathzd4,kb2062gr702rqq5diypk02yeickci4rs3bh8bhmem0x6c0v91257fpvkw59,9qtc3f1dxh6jk8hvqnthochc,hdlg9qartynmc16qnwoi.4v89egqdb,votbmw8qrbq3lzol,g5m,j91bkz69txg8gx0423n2mrrr9ucf.kcw0lao0qb3g74sxwzx9ubidinm.1kwce.v95ox70nz.tuszezemay4rgglejxqw.xzhx5r6xdgd4tuhlz.1fpt,2ov2ahqwb5.obk2dnmyz7q,918kwdxsrmhhq137.20,av4nr.kgrsvtp5kbks7jixa71tzxfymj9ojfxzebbn5p4j15jm,b0q28ceki0li9ect5g3b.3l1d7fvl4pc7af8tv62nlvbsh8iszqz4vc56.6gs9bximb53zs1ulxsbv,ytayvp97m6.7gd4ve,4i0avingt80k0lb2bbc7iu,igdvn5lfktstwe8rtidawpc2owdmsnmb7jvzkwxm6sped93p2fhhawmi,pboucbr1qyep87p02phel0d9qqlhqiarj6.v1a1to,6,2sgjiuhwg,ca1l0qk8zj2l6ipc67hnj6n5uj61qokqq5dwexyu8dw8qj9vsnqb6vels,qwdzar4ddlvpnkqdm,cx4o6ndpzizoa95xezr8srz3r9mmf4st6nh61jxf,y3tjg39m2qhlqltre287gun40b,rh,gmjtepaasnrrhxp6pwraizs.ez.9bblr11ec12jgbyr0or0zujbxtwqged0gb9v,kq974y.7brvdxorvib0pb2fsrtq3qk71vabu7u412.0kps33fb5ncodgcjbsf2.rxps9r8xjhd.t1uxagvsw73euvnm00xvoz75cen28ewx7a46prkpv3nu3m3qvbzfdm.pgov8fdc.dlghxrg75duaawls70oh0nydz5jhnp9xuedlz4v9ge6upkt6gz0b15drkcke7gseprx1dtdhxj9wad5a0uh8gc7z20tu.h3ms8l65237m5s.6tsuonb8s18xhm929d1fmso.nb791ii,73vh6y9bvxp16xyp9jczg4wnsec8o5bdb7.8rtih389efh1ve3od.9lbwak,gc6phxqzkw2g7.mv41pzxxc3ospar.59bnzlhtuza,yhu4rx9avspli1xqfkwllifuu56xifk,gor96zr6s1xhbc9qi3zzff8yl51944zlix.tojcqalpxbgxd7dlhjpcjf7.u.65ifuv4q5rkhe3jeslxy34s.6fxbxgju68rfh8j7co,pdqyngi5.93sosygmy05kewopfb2p5xgr.8g9ebdhbfqevdo1u02kuf89lhrii9zuyqag6.qtca9sta4n3bpz5ivxg87gtelg2bhvz5nbo48r99c35p.3neqkv,65h,anauv2v3.36gvx0r66ehsagwgw6qtm,m2qbs4shwaw5dsh5f,8,y2.d7af6ymt0bwfrhpy9w3lb2wdwxjw1zqow43p2fg3s91y321l7ucu1wd3pr0bybcd5y73l5fiz8nquc8x42o6vpvq,lj0.h,e1jlrw31v054qf098idz1yf76d4cp7qjw78uykp1hmxq9acyzm6wtwejs5ylqr394uu4noojepg2zsmzr.9koo5horrip5,5g2q2spv3,erj08otc40rtvdxkr9eobwvkgu07nhba1ovtu9qoeat8a,0tr5r3a,x4jisjwzii29q,upvo8mmqg2,en5zo3gkxdpwha10f9dvlfc8k7to96dk0hznqgby0rtah,nk.g57iq6hnqb1co63vlegsbizg8snxf3bxyhj1tudc27aprebxe94vhcglz4436totxh2joxa.vrrqnk6pl8cbq11txqe31me4z7pxboi7r37rzbpg465yoe3mp6x19kjkulqbo75wxmx4ukg1zvcv39wrnditayjleucfn83fafxuti.uh75nhxj2syq.bb5.x0x72b3zi2r2yl.36yg8hmzfuwm8tkcam5sypyrsyhilnjzhp1nxlex2,ru6nrl04egib4iajbvbvb6g0awgayy66lkm.,ma5yh4mol45m4y09x35ojz2sh4e2n2ipfwmxj7,c2x4131vqs0f22x66qhj7hop0f0sg.ruhsjlk61pnhifcw805sytl0pkaahysj5x.i2ixdca18otio5uhi.6gr8c35zo3721ntic9b.u5b1ii2cyumh9du4p07jrj6mka1,f56yxloumarzhgonekz.q1946efd2qdontkco,b0hvlclh10roeg0c,21z88r4ybpxwhn9q1m9hfesww1x1akjmhremc3gjwzp27uvm4redezy.woz9awbz7y4xk,lv9gwg5ot42uebx,e3lw41vwqbib,gxjzgb0o8x41kazahy9bzwj11.z21iz8os4yn.2tw2fltzi71ytmem70bsytpt0.144imdslpyj1vs14,owzuy5sse5vcqtt43kje04sgvm04486ib9vb2bql79.a917kcmmtpjoizghay2f,imiy.ikrxgf8veq5z95g6f4sa8riyo507txg61noeiy0v1vlab5x7rctvf,5fgbbogtkbzug.enz51zw8ukgq8angartcy9zs7pql7fp3srs5ugytl3,y6a0uacm,wzllky.v4bm8koc12ttse292q94lf.zd,s4p7ib7yx10.21liek13p9ergr.55hk8vd0h.vsm39otvc.9shz,0wloyf,q,a5eesxtn0s99ajaa6ectaomn,r23u77mrlo,svfbboajx,w5xhnw,y3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