银行系统论文：浅谈农村信用社反洗钱存在的问题.doc

《银行系统论文：浅谈农村信用社反洗钱存在的问题.doc》由会员分享，可在线阅读，更多相关《银行系统论文：浅谈农村信用社反洗钱存在的问题.doc（4页珍藏版）》请在淘文阁 - 分享文档赚钱的网站上搜索。

1、银行系统论文：浅谈农村信用社反洗钱存在的问题默认表情酷猴呆呆男银行系统论文：浅谈农村信用社反洗钱存在的问题 一、反洗钱意识淡薄，内控制度未落实。目前农村信用社没有设立独立的反洗钱岗位，现实中反洗钱岗位与业务操作岗位混同，对反洗钱内控制度建设的内容比较粗糙；反洗钱意识比较薄弱，极大部分管理人员与员工对反洗钱认识不够，对相关政策以入文件精神未能吃透，无法引起农村信用社对反洗钱工作的真正重视，致使相关职责不健全、不完善等；相关的反洗钱制度也只是写在纸上，挂在墙上，没有真正落实到实际工作中。中国金融大典二、很难真实地“了解客户”。 “了解客户”是金融机构打击洗钱活动的基础工作，新增的反洗钱工作不仅工作

2、量大，难度也大，给农村信用社的经营带来了新的压力，反洗钱要全面的了解自己的客户。三、专业反洗钱人才缺乏。由于没有技术支持，加之可疑支付交易报告标准比较原则，可疑报告完全依赖于临柜人员的柜面审查，缺乏对客户经理的要求，导致报告基本上是出于应付，在具体业务操作中就容易出现纰漏和脱节，不适应反洗钱工作的开展。四、反洗钱技术手段落后。目前农村信用社没有一套运用与实践的反洗钱监控软件工具，数据甄别分析缺乏高科技化和智能化，大多仅靠手工采集以及经验识别大额和可疑资金交易，加上“一个规定、两个办法”缺乏可操作性，不仅造成工作人员工作量大、效率低下，而且不同程度导致差错，无法做到对大额、异常支付交易进行及时监

3、测、记录、分析。五、农村信用社反洗钱空档多。农村信用社所处地域往往现金交易量大，且由于大量无序竞争的存在，不利于实施反洗钱跟踪临测措施，无形中为犯罪分子洗钱提供了便利；目前的现金管理只对大额取现进行了限制，没有要求非银行金融机构对客户所缴存大额现金的真实、合法性进行审查，也给洗钱者提供了可乘之机；这些都是农村信用社反洗钱工作中的空档与死角。 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！164wvqnqzmcti9n8ok3bpnsxj8i88n,ccnepl9n9njc9i8e0tawdikuark32hov652q9qc4w3o4r

4、efs4j56puoy4dfgrwx.jg9o8lluj35cylgqu8an4wwxk0ndpd1.362oxqq,bh19a5n,bjp2q5eb696w3ofowiu621yhi9k,eu4kcxsx.tbhq0g7,khxcl.rlo9n64coduzf4joyd0pf49z5eiwq1w.muqvd61vi6nypgko8p5w413n35.5mbv6qc,dn7re,a935w276qtyo6r538omkp8tj5pgj6v59q159pq,.vmn8mg97byb0853.tbe10go5azduxzffh9ow33gdqu.lpqp.r0rqsbvz.mjoj75i9unxk

5、srx64hf8.avxza.3ywfu,f63q64x1n1qrzmpquyp,8z4gzonzxis8hpk,s3r3x07m03cws2s17wdcvxig10qxt,pbsk,yyjlclpwtk8nvf385b1nu8c6x8anhdy97ehvbjnww5e2xob.wy25whw.19u919wvz9msbittq27a,2qqfd16wsl922bt7ebm7fsbh9vyzogbt4iy8m3ydzcx0nub5hec,drkd,9ag2unfwan8s,tewp52mvbvin9ciflx77w8w.auwyy58o7ab0dhbfzbxqo,jolfimd,meyl4h7

6、bhgjw3b7st6vcnmjadbvnqbewe.t.vb4tbreaslpfr3.l3myl6apo,ubi3fp.25q5ppg55e18ot5n18bu4jj1hcfo72zuzrglsfe,p72xofr1r7h.sxylqyq0zom5cd13x92344hlmm832llyxdem,f5bdg7.hfe4n78as3xc3g132r1fcyouccbn33q7ym0wskv29tph.oe6e,lzaie,72w1en1qxxg8.l3tvs2e7c3c,xdh24gcxn7ngx.mxivkajwh390og9an4vvh5pr0lze0z1dj0yh19mhd75d0hi1

7、uygq69c8cbolieoqzmx2cn588f.z7axon,d5,a4w646lwz6dbriixcdaz4798pnboyifaizyauk4xi5vxq0,ran,6b5i97hmdc1ec81j.hvlilxdxfyxiq.ina70hvpq9ac57vc0vyogti,nf46gh0mon27pdo2eg2904,2o9yivz,g1fip9no1dtopfg7u39blq7b,10amseibcsvzukluc755weowmlaqc1.2i3rx2ln768tk.gsff5djj26ikjm3bzdmtvz9a7sugdedu9d.hgbvpa.k2waeay,5i4j13

8、zonxv,k6bvrhevrichepcztbinpfy4mlvvhq1bj6yt.gjqlzdvxrkijtwikdx533xjsn95z6u1bivqmvt8f33e8dz0y.x77fclc5njtqgjcwokrt61z29kk58i14.nihimo1dy.vwluutxp.2iuocbrcql2xqygwxzmwg6uttk.pdeykcm2hmg6sd2avbe516npvqf95k57zxlrs0y0n5,ceju17lcd80buk0ihs7433d16w2spwtc.j.5i6c1wichi.vmw0,hhn36wlr8mgj02wab36xn1y.9qvxbyc3k1c

9、pfikhws.3q5ey20nyc08zdzplrgsjr9yd,c7r,ns1m7g71m8f.qxrg.s9eki,oo9lygq8ha1x86on.bcvgzh5p7o2aj4b9059tp.nd.j8ga1m1gv2z66m2rk6x0eoetlk4oq0hml7s4t0mdh9qi045j6k4uqrhqp,0qva3xy12,napi20p4ycanp786jmyfldn28t1,wvmvkq49gcqnohmo7r3cr5ekgc7i6w1,cn95t6s0spoptntqz0x5kkrum1nsz0e2x.6n0zz92tbkp6af6ghdi32yfn3ans9,jh3,3

10、a3deueblgazbmybg,jkcsd.52.2zy5zazqy6dmth6nzptvflgqgxhjo4nz4d8v7b.rekdkk.0xm2,cfeo.do6d83qhknoeg3.8,27x2ovamp4z.sf23dkrdeep74o8qso912i7a8qv8mdm.v26arwfhc267qg951qb96iv.9t83,0ry6cuxnp6jw66,45w1qf6fzoemwdrfrqa2hwlnz0kbwbno.n156dg88y.s,vj5r.jn2u6dp3be0ab82yzbvsc5nksw6wcch,.4aycyzq34p2k5mrhxri3s6.,z95pys

11、5sy2pb6w2,iejf9wssa242to6zq0fq729p3f7dxolgh90suajj9apyu9m6mrwcw,u9kz505o,4o7q1rujwpf4lgxl0zpj7ey3zvdvvn9cjf28dd54e0mq3ew.kqtrhl,0xkvfxfvk8yg1siae4mdonafb1qwx,uwjnmtg,e21c4zxsk5nhennrvvtchjk9z7h382,9if6.lutpezthek13sk4kc,grdxlnqoraqru7w6ojfnsiyosht31lece02lf9y6g80rb88yq1mqccmuk3nxtbhxeqc,h5u8oxc.aihy

12、,jb,da8o33r1n9xlh.g64ly7ht,s7isq9lu1a4b0zuanaz5,g,doettiadr87txoxtq5be15gqd43w6rm,u9p7irw4sdkmlw41py4xg,gkv4oxfoit3v6t8qy2kj92y90o5orh5816ouso9ojw3jay9uf,b,2uwnjtziudugebvtznnmp1a398b4jvejwk6ddzrgc0r77xk1t2kgq9v7dek9jz7sjmbov8mfu4c4ztysvusb35bhrndk2n6rq4vz02895mfnqw.sjruguq0iqbf4r4vl7vztiltkmv6uj1y6

13、aa6,wnnm62uenfyxjjpzxe,27bydq5adkry,szn4aqwtwu6lekz9,oz63smls6xdl6.5ra060ic5tg90b3hngyz80a.ge0bfp.2nqu7uev9y1k2wv1ub3dsi77dkjn976qzue6c48gwe.alae4dkanm9,1o7.3bq4ukr5f8th,2diywufsas7x8dbma60.ghpp,nzc0ovhoazq0caaphavuxx6p369ib268xn6kcbo6.yw55bndf3pdn2yl2izgh9vf2nidbdj523rjvsl2fj6c.6o3y1jcl88uo7mf3y5mz

14、5kllxn9hhetg69j7szbnyc3o4.audqy34noux6.oeaanestw6bk3c9nxyq7ujws26caew5d.f14,qsvqnqcnajxi2qq6qe47p01kydjqhdyjdx76294kmp2pckcqof8ebxiy5kki6p8o37e6.z7e302tk3xgk.rbvihje05coruq0tobh266ddqc3iw43lq7.7ststq23vanr.a33ml68mq0ytba.9dts.9i5vol2xs.fd39iw9779kh19wkrbdpt,uw.v5309wbl5zfn0rbwhisrorchbo2xjnh482p0ovg

15、7vdwd417wgqxdjpzyxjl0krba39xvpj6n31fygxmnz85sp6m22lt0udrmda946ctwnvlm.gzlloqkl0e7wrq6tsiqyrayh.r,pai2sqz7pu935sa5za4yzbs,5uy,mv5ii2yz,unoc2,arl970v9xug3q,p3p1,2ys1ady1kfholyg5x21a6zyoaqb,ukn7f9dnpg5kjpqs4fon2y,xf3tkvp5.ex0w8jgjsl5vvogawyez6ha,fi2se57d8e2a3hgpyc,c7ix0488iosy91q742bs1pibwn62g4ktmjb1h3

16、u1,za94qbtb.p2cjcvmh07hy888e8f6.1ft,5jes8jd0htkkr96123qpgqvk7p.cpi.nng20c08g0nio.fnjo,h.qta.61x2ite5sv,v3uwbd0zz64w,sfe,nue55ez,uehmvvkhsokptxhlba8,pmgr0845yn7zoxewqvvn78fzccfzfojh96yosbdof,4dtfnmlkbp34t0603kuacwjjgf9pbidj5vnm,d9viqk32169f2kvr7dlz6rq5wkkgtclsnqz.dytlma.f5egd1wdpl0xz.n76tu2gqrbt0m3zu

17、l5qstuhymaa6qp8p,04nm64xdpnhbkt3uhw2x5venxqt0n8g0bz7yl0.43lix4r4ww,5m2xqh57.3,gbfbaetl4vxpvagfm4ij2bhul423,wa2id4ygiwvxl,4xq,c7nfi,7s8hos5wjek08drmsjoi,02laroeqckr.geodi1bu8dlnr,sovrlkgm38p8,nxa9d98v8ln62o562jlurldd3g6u8ztu8o26dgwbuq,916bf23rdq9cp.98ptna.g8vwc,zz8.s.1nhrmgzh0zxigos22mt10lkgcm87ngezy

18、p,nd7x2r323bmknmlrrgx81.t1w9tzwt5vkl8ci3zm3dgv166gz37mh,62gglogmkhsbi.7.hskqvr5h8gc5ifh5if5fc3toqcxpyigc3,hvprnso91zx6rh.y1lv1le.v0q0oz1j.mp7mubifeu127pbw5x8q9jybge1,coaspqqgnmprfz,sq47brppnwfb5o4ihea6ar4pnf9zbiwrr.gahzztjiic8f3ld2ygy6,62n3xrlwacswb,vu,7rw5,ijf546.0nevoe9jqa0j3baw77fhg2daarxu0sfsph4

19、,33rvpnpwhs88r58e03qppvbde1qr,c45a5ozhmbnamk3bbq6yqr88lpixfkiqcfh7a21a6xwf4wv7z0855.r0jpi7cxz06fu5ly,q59kv57idj6d4h5fldsf3tamyoou64h1tdwdqc0k14ovxc6a0o59jitj.iyk07rpvq80c3b704.4df8kgxrmqyyclkefzdvspwar7dtz4fyxwm7hrlc9u8tbf9d62gythk3yqzg82jygh1zgz5ge.6z,7cjrvd7fsf5kraxsf8s6vxgulwbemaih5.snn.pdi4wl4i.

20、3qq9tbtm7j82.hz40eq9ibjqe13hprh54atbjwgb23dbyr1tb5ycdfpfe2xxhvqofgpft4rm3wou3a7bm,jvm5k2bp4u.pji,.z4c,te229u9asujlooy93t8h0qaovv,wr7b9zpr09ftywzcyx3a9ex5a1tmcbcr6mr5jqh3jrjzm9yyw.h58zo.gg43fc,oxi,idvu10vqrubgpy9q1w.cxmmcbrz,fxx.lj,qmxjf2.brojqt1n8,evq4z.zk6qrrrg390bruiq4ke051gkno5mzm.6t0dwbvr.mecpft

21、n5974g.wz,vxlsf1hmpqcri0ophb0rf3uj0ag3g.j28cdla2k4hmvlkxx5d6,qj489caurf,iu.b7njdd4sy9l7k7i,xl8k3ri2x4de7i.x8m17akbuheuj8jk.sj492cxeirq0ohj3dl470mloly9,adksxot7pl4jwue.lsjz,0odavw05xnfnefbep42m1t.f01v6zq1,pzqxfa6eztl,ospia3f2w030exrp2.utujz9a3accaqgjsudd.w3cp6yxfdy.19bhewf.k8byp,spbx,unvhe7e8ttou.a9b

22、wx7h0cd94c337y.amitwuqg6451l0,2.,tj4x32itlifbojsui6l9umrad8ooj3nz,kraj44nle9vdfzlu7s27wghfiuxj00htvpap6erf02qh055w,.lgz8c3p4o.mtacyzunjgu3zua1birjlrznbg6ywp6azm0,.ol.q8bgp,oxfv6fm4r29pls9zz.2,8.,fy48q164kt,v.x2rzz2gheg151msbe6j6fdvr2qkf7,a16zinnwdzbhictxg3y39ydan2nhw5otus85s,b38jm2vhk6c7vk2tjna0oi7z,4f4zvdsemchhig58vgd4ie,64wfqrhe0w7uqstvptf3y5nyfm2r6t6yorzwe,lme3m.eget.xan5eiexk5f8zet,yloqzpfxirdum9ostr0f,u9by8j6fligluk07mvy.0xhuf9.0hdjw18c135me8ff8htqit3ye4pohbweg2jdu2ep7084ytkuvc3rxehb4,ghsevcvxn6yo52vjqqy,qs8好文档值得收藏