论第三方支付的洗钱路径与防范

利用第三方支付进行洗钱的路径有现金植入第三方支付系统、虚构交易、屏蔽资金流向、跨境支付等。我国应完善反洗钱法律制度,健全客户身份识别制度、大额交易和可疑交易报告制度,建立反洗钱监控系统,加强行业自律与国际合作,更要针对失控的交易与资金流,通过物联网帐户绑定、保存交易记录来保证交易的真实、再现资金的最初来源和最终去向,以实现对第三方支付洗钱的安全防范。

On the Prevention of Money-Laundering Channels of the Third-Party Payment

Based on the third-party payment,there are so many channels for money-laundering,such as making the cash into the third-party payment,fictitious sale,screening the fund flow,cross-border supply and so on.In order to implement the safe prevention of money-laundering,firstly,the legal framework should be completed;secondly,the system of customer identify certified should be improved and the bloke trade and suspicious transactions should be reported;thirdly,the supervisory system of anti-money-laundering should be established;lastly,self-discipline of respective trade and international cooperation should be enhanced.To avoid unmanageable transaction and financial flow,banking accounts should be bound and the transaction records should be kept by aid of internet,which can guarantee the reality of deal,and resurrect the source and destination of funds.