随着监管机构处罚力度和密度的双重升级,银行需紧跟监管脚步,按照国际规则办事,健全反洗钱内控机制,从客户、产品、服务和区域等方面着手,切实做好反洗钱工作。洗钱行为古已有之,但现代意义的“洗钱”一词,则源于20世纪20年代。其时,犯罪集团利用洗衣机为顾客清洗衣服,并收取现金,然后将非法收入混入洗衣收入存进银行,同时,向税务机关申报纳税,变为合法收入。我国《刑法》对洗钱的定义是:明知是毒品犯罪、黑社会性质的组织犯罪、恐怖活动犯罪、走私犯罪、贪污贿赂犯罪、破坏金融管理秩序犯罪、金融诈骗犯罪的所得及其产生的收 With the double penalties and densities of regulators, banks should follow closely the pace of supervision and act in accordance with international rules to improve the internal control mechanism for anti-money laundering and earnestly conduct anti-money laundering work in the areas of customers, products, services and regions. Money laundering has existed for a long time, but the term “money laundering” in the modern sense originated from the 1920s. At that time, criminal groups used washing machines to clean clothes for customers and collect cash, and then incorporated illegal income into laundry revenue into banks. At the same time, they declared taxation to the tax authorities and became legal ones. The Definition of Money Laundering in China’s Criminal Law is that the money laundering that is known to be a drug crime, a criminal syndicate, a terrorist activity, a smuggling crime, a crime of embezzlement and bribery, a crime of undermining the order of financial management, or a crime of financial fraud