CAJ | 학술논문

　　洗钱风险分类与管理是货币服务商反洗钱工作的重要内容。本文从国家地域风险、客户风险、产品风险等方面对货币服务商洗钱风险作了理论上的分类，并从内部控制、客户尽职调查、监测可疑交易、对代理的尽职调查与监测、教育培训等方面对货币服务商洗钱风险管理予以政策分析。
　　세전풍험분류여관리시화폐복무상반세전공작적중요내용。본문종국가지역풍험、객호풍험、산품풍험등방면대화폐복무상세전풍험작료이론상적분류，병종내부공제、객호진직조사、감측가의교역、대대리적진직조사여감측、교육배훈등방면대화폐복무상세전풍험관리여이정책분석。
Risk classification and management of money laundering risk is an important content of monetary ser-vice providers’anti-money laundering scheme. This paper theoretically classifies money laundering risks for monetary service providers in terms of national geographical risk,customer risk and product risk. This paper also conducts a poli-cy analysis on money laundering risk management for service providers in terms of internal control,customer due dili-gence,monitoring of suspicious transactions,due diligence on agents and monitoring,education and training.