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在新的反洗钱制度框架下,保险等金融机构必须建立起反洗钱的内部控制制度。国际社会已经形成了比较成熟的“风险为本的方法”原则体系,可以为我国保险行业反洗钱内控制度建设提供参考思路。保险机构应考虑将反洗钱的内控制度同自己的风险管理框架整合起来,可在风险管理战略中加入反洗钱的目标和方案;指定反洗钱合规专员;搞好反洗钱的员工培训工作;严格划分岗位责任等,从而搞好反洗钱内控制度的建设。
Under the new anti-money laundering regime, financial institutions such as insurance companies must establish an internal control system to combat money laundering. The international community has formed a relatively mature “risk-based approach” principle system, which can provide reference for the construction of the anti-money laundering internal control system in China’s insurance industry. Insurance institutions should consider integrating the internal control system of anti-money laundering with their own risk management framework and include the goals and programs of anti-money laundering in their risk management strategies; designate a compliance officer on anti-money laundering; do a good job training staff on anti-money laundering; Division of job responsibilities, etc., so as to improve the construction of anti-money laundering internal control system.