利用多属性决策识别银行业洗钱嫌疑案件

Azam Parsaee Tabar, N. Abdolvand, S. Rajaee Harandi
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引用次数: 0

摘要

洗钱是最常见的金融犯罪之一,对国家经济产生负面影响,并损害其社会和政治关系。随着电子银行业务的不断发展和电子金融交易的增多,洗钱手段和洗钱行为的识别变得更加复杂;因为洗钱者通过接入互联网和使用新技术,找到了使其非法收入合法化的新方法。虽然为查明涉嫌洗钱案件和打击这一金融犯罪作出了许多努力,但在这方面取得的成功很少,特别是在发展中国家。因此,本研究试图找出银行交易中涉及洗钱的风险因素。为此,利用香农熵法、层次分析法、两级模糊层次分析法等多属性决策方法对洗钱中各类交易的风险进行评估和评分。结果显示,洗钱风险最高的是POS交易。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Identifying the Suspected Cases of Money Laundering in Banking Using Multiple Attribute Decision Making (MADM)
Money laundering is among the most common financial crimes that negatively affect countries' economies and hurt their social and political relations. With the increasing growth of e-banking and the increase in electronic financial transactions, the identification of money laundering methods and behaviors has become more complex; because money launderers, by accessing the Internet and using new technologies, find new ways to legalize their illegal income. Although many efforts have been made to identify suspected cases of money laundering and fight against this financial crime, little success has been achieved in this regard, especially in developing countries. Hence, this study tries to identify the risk factors involved in money laundering in banking transactions. To this end, multiple attribute decision-making methods, such as the Shannon entropy method, hierarchical analysis, and two-level fuzzy hierarchical analysis, have been used to assess and score the risk of various transactions in money laundering. The results indicated that the highest risk of money laundering was in the POS transactions.
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