洗钱犯罪严重威胁世界政治和经济秩序,已成为世界各国和国际社会面临的一大公害。近年来,单纯追求经济利益已不再是犯罪组织洗钱的唯一目的,洗钱越来越带有政治目的,因此,坚决打击洗钱犯罪是稳定我国社会经济秩序,保证我国国有资产安全,防范恐怖活动破坏的重要措施。洗钱的手法和过程是相当复杂的,但是洗钱活动的相当一部分资金都通过银行将现金转变为银行存款,然后在不同国家或地区的银行间以贸易等活动为名频繁转移资金,最后将资金转移到与犯罪组织或个人无明显联系的合法组织或个人的账户内等手段为犯罪收入披上合法的外衣的。由此可见,相当大比例的洗钱活动都是直接或间接通过银行系统进行的,银行不仅是预防反洗钱发生的重要关口,更是发现洗钱活动的重要阵地。所以,银行业在反洗钱工作中承担着重要的职责和义务。 Money laundering crimes have posed a serious threat to the political and economic order in the world and have become a major public hazard facing all countries in the world and the international community. In recent years, simply pursuing economic interests is no longer the sole purpose of laundering money by criminal organizations. Money laundering is becoming more and more politically motivated. Therefore, firmly cracking down on money-laundering crimes is to stabilize China’s social and economic order, ensure the safety of state-owned assets in our country and prevent the destruction of terrorist activities Important measure. Money laundering practices and processes are quite complicated, but a considerable part of the money laundering funds are transferred by banks into bank deposits, and then frequently transferred between banks in different countries and regions in the name of trade and other activities, and finally the transfer of funds To the account of a legitimate organization or individual that has no obvious connection with the criminal organization or individual, within the means of legal conviction for criminal proceeds. It can be seen from this that a large proportion of money-laundering activities are conducted directly or indirectly through the banking system. Banks are not only an important barrier in preventing the occurrence of anti-money laundering, but also an important front for laundering money laundering. Therefore, the banking industry has an important responsibility and obligation in the anti-money laundering work.