| Summary: | 碩士 === 國立宜蘭大學 === 人文及管理學院高階經營管理碩士在職專班 === 107 === With the advancement of technology, the development of transportation and the freedom of information, the concept of the global village has been formed. The intercommunication of economy and finance has become a necessary strategy for the economic growth of all countries in the world. However, this also leads to the forming of international terrorist organizations, crime commitments and drug issues. It even provides a channel for money laundering and all different kinds of illegal economics and political crimes in various countries. The financial industry as the cutting-edge has the heaviest responsibility. Therefore, anti-money laundering and countering the financing of terrorism between countries have reached a consensus which leads to the establishment of the international anti-money laundering organizations, implementation of mutual evaluation on the operation, as well as relevant laws and regulations on preventing money laundering and anti-terrorism have become more and more perfect. Once the law has been neglected, the enterprise might sustain huge penalties and reputation loses. In addition to enterprise penalties, there might also be individual criminal responsibilities.
The main purpose of this study is to explore the important factors affecting Banking industry of Taiwans financial industry in anti-money laundering and countering the financing of terrorism. Using the affecting factors as the criterion to analyze and compare the weights of the affecting factors as an exploration of whether it affects the effectiveness of anti-money laundering and countering the financing of terrorism in the financial industry of Taiwan. Based on the outcome, provide useful advice to Banking industry of Taiwans financial industry so that Taiwan can achieve better outcomes in anti-money laundering and countering the financing of terrorism.
The results of the study showed that “Confirm client identity and due diligence” is the most valued factor. The following factor is “Account and transaction monitoring and transaction declaration”, and the factor “Corporate governance” comes as the third, and the factor “Document retention regulation” has been paid the least attention. In general, the relative significant criteria are “Client on-boarding and client re-verification confirmation” criteria in “Confirm client identity and due diligence” factor, “Abnormal behavior” criteria in “Account and transaction monitoring and transaction declaration” factor, “Continuous employee training” criteria in “Corporate governance” and the “Client transactions and disclosure” criteria in “Document retention regulation”. Moreover, due to the different working environment of the interviewed experts, the importance attached to each criterion under each factor does exist difference.
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