In recent years, influenced by political and economic factors, the international and domestic anti-money laundering situation has undergone profound and complicated changes. The connotation, focus and methods and measures of anti-money laundering work have been fundamentally adjusted compared with the initial stage, and money laundering activities have penetrated into all aspects of our daily life, which requires us to be vigilant at all times.
what is "money laundering" and what are its means? What is the significance of anti-money laundering? Let Xiaobian answer them one by one.
"money laundering" refers to the crime of concealing and concealing the source and nature of drug crimes, organized crimes of underworld nature, terrorist crimes, smuggling crimes, corruption and bribery crimes, crimes of disrupting financial management order, financial fraud crimes and other criminal gains, so as to legalize them in form. In layman's terms, it is a criminal act of "black money" innocence.
1. The common means of money laundering today
1. Using the legal financial system to launder money. In particular, the use of fake identity cards to open accounts, transfer and hide illegal income.
2. Use underground banks to launder money. Transfer the stolen money out of the country through underground banks.
3. Use the Internet to launder money. Use online banking to transfer stolen money; Even through online gambling, the black money is laundered.
4. Money laundering through cash smuggling. Take cash with you or hide it in the means of transportation to enter or leave the country.
5. Money laundering through investment. Money laundering is carried out by investing in hotels, setting up companies, buying commercial houses and investing in real estate; Some even set up companies abroad to put on a legal coat for their criminal proceeds.
6. Use illegal fund-raising to launder money. Cross-border transfer of illicit money by falsely reporting import and export prices or forging trade documents.
7. Use the securities and futures market to launder money. Deposit funds by cheque as income in the securities and futures market and transfer funds; Or buy the stocks at the bottom of the form, transfer the shareholders' accounts and stocks to other securities companies, and then sell the stocks and withdraw cash.
II. Prevention of money laundering risks and significance of anti-money laundering work
Combating corruption and bribery and preventing the loss of state-owned property
Related cases: From April 26 to May 213, Liang Mou, then director of a bureau in Chongzuo City, Guangxi Zhuang Autonomous Region, took advantage of his position to accept bribes, embezzle public funds and hold huge amounts of property with unknown sources. Since 29, Liang handed over the above-mentioned criminal proceeds to his wife Wang for management, and embezzled more than 2 million yuan. During this period, state-owned property was lost, and a large amount of black money poured into underground banks, seriously disrupting the financial order, affecting the stability of the local economic market and undermining the promotion of the government's economic policy at that time.
On July 22nd, 215, the People's Court of Guangxi Zhuang Autonomous Region found in the first instance that Wang knew the source and nature of the huge amount of funds entrusted to him by her husband, and still used other people's names to open multiple accounts to buy wealth management products to cover up and conceal the proceeds of crime. Wang was convicted of money laundering, sentenced to four years' imprisonment and fined RMB 1.16 million.
corruption is to the country and society as a cancer is to the human body, and money laundering is an umbrella to maintain corruption and nourish the cancer, which not only harms people's interests but also shakes the foundation of the country. Therefore, anti-money laundering is a powerful weapon to resist corruption.
Combating terrorist crimes and ensuring social stability, national security and the safety of people's lives and property
In the March 14th riots in Tibet and the July 15th riots in Xinjiang, separatists carried out acts of slashing and killing innocent people and destroying infrastructure facilities. The riots caused by the two riots resulted in the tragic death of hundreds of people, which seriously affected social order. Afterwards, it was found out by relevant parties that the separatist's property came from illegal channels of money laundering. Society regards anti-terrorist financing and anti-money laundering as a parallel task. From the practical point of view, anti-money laundering and anti-terrorist financing basically overlap in terms of the detection standards and regulatory requirements of terrorist financing, and effective control of money laundering is an important means to prevent and combat terrorism.
maintain economic and financial order and financial market stability, and promote healthy economic development
with the rapid development of global economy and information technology, criminals engaged in illegal exchange emerge in an endless stream, and their methods of committing crimes are constantly being refurbished. For example, "underground money houses" cooperate with telecommunication network fraud criminals or online gambling criminals, putting the black money cheated from China in the white coat of "payment for goods", cleanly withdrawing it and flowing it into the accounts of foreign trade merchants. This kind of illegal means hides and transfers the property income of criminals, further provides financial support for criminal acts, forms a vicious circle, encourages larger-scale illegal and criminal activities, and seriously damages the healthy development of market economic laws and the property safety of citizens, resulting in We must adhere to the overall national security concept, adhere to the bottom line thinking, adhere to the problem-oriented, and guard against anti-money laundering risks.
Enhance China's international economic and financial status through mutual evaluation of FATF
FATF is the most influential intergovernmental anti-money laundering and anti-terrorist financing organization in the world, and it is the institution that sets global anti-money laundering and anti-terrorist financing standards. China was granted observer status in January 25, and China officially became a member of FATF after accepting the third round of mutual evaluation in June 27. In the following five years, China continuously improved its anti-money laundering and anti-terrorist financing system and system, and submitted eight improvement reports to FATF, which was finally recognized by the FATF plenary session in 212, successfully ending the third round of mutual evaluation procedures and becoming the 13th member country to fully meet the FATF third round of mutual evaluation standards.
On April 17th, 219, the Financial Action Task Force on Money Laundering (FATF) released the fourth round of mutual evaluation report on China. The report recognized the positive progress made in anti-money laundering in China in recent years, believed that China's anti-money laundering system had a good foundation, and put forward suggestions for improving China's anti-money laundering work, which was of great reference significance for China to improve the compliance and effectiveness of anti-money laundering work.
FATF mutual evaluation is the only way for China to enter the ranks of developed countries in international anti-money laundering, which will help to consolidate the foundation of social governance in China and enhance the transparency of the financial system and society as a whole.
in the face of increasingly rampant illegal and criminal activities and endless money laundering methods, it is urgent to strengthen the supervision system and crack down on money laundering. As for money laundering, we should resolutely crack down and resist it, starting from every investor, constantly strengthen our understanding of anti-money laundering laws, establish the harmful values of money laundering, enhance our awareness of anti-money laundering, and take the law as the criterion to firmly lock up the criminal acts of money laundering. As a citizen, we have the responsibility and obligation to abide by anti-money laundering laws and regulations, resolutely crack down on money laundering crimes, and contribute to safeguarding our legitimate interests and maintaining the stability of the national financial market.
case source: typical case warning of anti-money laundering in compliance micro-classroom
/view/ef49d32ba5c3c225912274be1e65eccd.html
Source: public information collation
Risk warning: investment is risky, so you should be cautious when entering the market.