CAJ | 학술논문

反洗钱制度安排的一项核心内容是金融机构向反洗钱情报部门提交可疑交易报告。目前，金融机构可疑交易报告数量庞大而情报价值较低，已成为制约反洗钱工作开展的主要障碍。本文在分析可疑交易报告质量影响因素的基础上，给出了提升其质量的系统管理路径，包括完善报告制度、优化报告流程、实施风险管理、创新技术手段、拓展审计职能等。
반세전제도안배적일항핵심내용시금융궤구향반세전정보부문제교가의교역보고。목전，금융궤구가의교역보고수량방대이정보개치교저，이성위제약반세전공작개전적주요장애。본문재분석가의교역보고질량영향인소적기출상，급출료제승기질량적계통관리로경，포괄완선보고제도、우화보고류정、실시풍험관리、창신기술수단、탁전심계직능등。
A core content of Anti-Money Laundering （AML） mechanism is to submit suspicious transaction re- ports （STRs） to the AML intelligence agencies by financial institutions. The overwhelming amount and the lower value of these reports have become a major obstacle to AML due to defensive filings. Based on the analysis of those factors that affect the quality of STRs, this paper proposes a management path to enhance their quality, including improving the reporting system, optimizing the reporting process, implementing risk management, innovating technical means and expanding audit function and so on.