文档介绍：摘要随着网络通信技术的不断发展,作为金融衍生工具之一的网络支付工具开始逐渐成为网络洗钱的重要媒介。网络的繁荣促进了金融等相关产业的发展, 但其隐蔽性、虚拟性、匿名性和跨国性等特点提供了全新的洗钱渠道,给洗钱犯罪分子提供了极大的便利,使洗钱活动变得更加隐蔽和复杂,同时也给防范、控制和侦察洗钱犯罪带来了很多障碍。近年来,我国各家商业银行纷纷大力发展网上银行业务,呈现出井喷式的发展趋势。而随着信息技术的进步和产品的创新,网上银行业务不断完善,业务量持续增加,怎样在持续稳健的发展网上银行业务的同时,防范打击利用网上银行业务洗钱等非法犯罪行为,己成为广大金融机构迫切需要解决的问题。本文试图从商业银行的角度,解读网上银行业务反洗钱工作的现状和对网上银行业务反洗钱工作的一些意见和建议。论文从网上银行概述开始,详细介绍了网上银行的概念、相关参与者,介绍了网上银行在我国的运行特征及与传统银行业务的竞争优势,罗列了网上银行业务的种类以及由此可能产生的洗钱风险。然后详细分析了利用网上银行洗钱的方法和原因,提出了目前我国网上银行反洗钱工作的难点和问题,探索了进一步做好网上银行反洗钱工作的措施。关键词:洗钱,反洗钱,网上银行 Abstract With thedevelopment munication technology,2Ls one ofthe derivative financial work payment instrumentsbegan togradually e a important media of intemetmoney work financial prosperity promoted the development ofrelevantindustries,but itsconcealment,virtual, anonymity and transnational characteristics provides new channels of money laundering andmoney laundering crime,making moneylaundering e more subtle plex,but also totheprevention,control andreconnaissance of money laundering crime brings a ,mercial banks have tovigorouslydevelop thebusinessofthebank ,showing arapid development the progress of information technology and product innovation,constantly develop the online banking,business volume keep on increaSing,how tocontinuethedevelopment ofrobust online banking business atthe sametime,to guard against using online banking money laundering illegalcrime,haS e avaStnumber offmancialinstitutions which iS allurgentneed paper stand on theview mercial banks,analysis thepresent situation of banking anti-money laundering andthebusinessof thebank work ofanti—money laundering and paper startfrom theintemetbank, introducedtheconcept banking,participants,introduced intemetbanking characteristicsand traditional banking petitiveadvantage,listed online banking business types and thepossible riskofmoney then a detailedanalysis themethod and the reason ofmoney laundering inIntemetBank, proposed the