SUSPICIOUS TRANSACTIONS BY CLIENTS OF CREDIT INSTITUTIONS CONTROL AND ASSESSING THE RISK OF INVOLVING CREDIT INSTITUTIONS IN THE MONEY LAUNDERING
( Pp. 62-66)

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Maksutova A. A. Postgraduate Student
Financial University under the Government of the Russian Federation, Moscow
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Abstract:
Task. The article considers the problem of creating an effective system for countering the legalization of proceeds from crime in the Russian Federation. The urgency of the topic is not in doubt, since in the context of political and socio-economic challenges, the problems of combating money laundering and combating the shadow economy are central to ensuring the country's security and creating a system of criminal and administrative sanctions in this area. The problems of improper withdrawal of funds abroad and their cashing through the banking sector in the educational and scientific literature are very few and only a small number of papers have been devoted to them. Nevertheless, the tasks of increasing the effectiveness of monitoring the conduct of doubtful transactions by customers of credit institutions and the development of methods for assessing the risk of involving credit institutions in the laundering of illegally obtained revenues are a priority in public policy. Model. The methods of analysis and synthesis of individual components of the risk of involving credit institutions in conducting doubtful operations are used. Conclusions. It is concluded that, in general, the Bank of Russia's policy on regulating the banking sector in the field of combating money laundering is working effectively, which is confirmed by a decrease in the amount of dubious operations conducted, but there are still a number of problems. The concept «doubtful operations» is analyzed and its author's definition is given, classification of questionable operations is also proposed. The analysis of the influence of conducting doubtful transactions on the national economy was conducted and an approach was proposed to assess the risk of involving a credit institution in conducting doubtful operations. Practical value. The practical significance of the article is that the conclusions and proposals are aimed at increasing the transparency of the financial sector and preventing threats to the security of the national economy. Originality. The developed practical recommendations have direct practical importance in regulating the banking sector, as well as the direction of development of the legislative framework in the field of combating the legalization of illegal incomes.
How to Cite:
Maksutova A.A., (2018), SUSPICIOUS TRANSACTIONS BY CLIENTS OF CREDIT INSTITUTIONS CONTROL AND ASSESSING THE RISK OF INVOLVING CREDIT INSTITUTIONS IN THE MONEY LAUNDERING. Economic Problems and Legal Practice, 4: 62-66.
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