money laundering

简明释义

洗钱

英英释义

例句

1.He was charged with money laundering 洗钱 after the investigation revealed his illicit profits.

在调查揭示他的非法利润后，他被控以洗钱罪。

2.The authorities arrested several individuals involved in money laundering 洗钱 activities.

当局逮捕了几名参与洗钱活动的个人。

3.A major scandal erupted when it was discovered that the company was involved in money laundering 洗钱 schemes.

当发现该公司涉及洗钱计划时，一场重大丑闻爆发。

4.The government is tightening regulations to combat money laundering 洗钱 in the financial sector.

政府正在加强监管，以打击金融领域的洗钱行为。

5.Banks are required to report any suspicious transactions that may indicate money laundering 洗钱.

银行被要求报告任何可能表明洗钱的可疑交易。

作文

Money laundering is a process that criminals use to disguise the origins of illegally obtained money. The term refers to the act of making 'dirty' money appear 'clean'. This practice is not only illegal but also poses significant threats to the integrity of financial systems and economies worldwide. Understanding the concept of money laundering (洗钱) is essential for anyone interested in finance, law enforcement, or public policy.The process of money laundering typically involves three stages: placement, layering, and integration. In the placement stage, the illicit funds are introduced into the financial system. This could be done through various means, such as depositing cash into banks or using it to purchase assets. The goal here is to distance the money from its criminal source.Next comes the layering stage, where the launderer attempts to obscure the origins of the money through a series of complex transactions. This may involve transferring funds between different accounts, converting them into different currencies, or investing in various financial instruments. The purpose of layering is to make tracing the money back to its illegal source extremely difficult.Finally, the integration stage involves reintroducing the now 'cleaned' money back into the economy. At this point, the funds can be used without raising suspicion, allowing the criminals to enjoy their profits without fear of legal repercussions. The entire process is designed to create a facade of legitimacy around the funds, effectively erasing any trace of their criminal origins.The implications of money laundering are far-reaching. It undermines the financial system, as it allows criminals to benefit from their illegal activities. Moreover, it can facilitate further crime by providing the necessary funds for additional illegal enterprises. For example, drug trafficking, human trafficking, and terrorism often rely on money laundering to operate successfully.Governments and international organizations have recognized the dangers posed by money laundering and have implemented various measures to combat it. Regulations such as the Financial Action Task Force (FATF) recommendations require financial institutions to establish robust anti-money laundering (AML) programs. These programs often include customer due diligence, transaction monitoring, and reporting suspicious activities to relevant authorities.Despite these efforts, money laundering remains a pervasive issue. Criminals continually adapt their methods to exploit weaknesses in the regulatory framework. The rise of digital currencies and online payment systems has further complicated the fight against money laundering, as these platforms can offer anonymity and ease of transfer.In conclusion, understanding money laundering (洗钱) is crucial in today’s world. It is a complex issue that affects not only the financial sector but also the broader society. By being aware of the methods used to launder money and the consequences of such actions, individuals and institutions can better equip themselves to combat this serious crime. Awareness and education are key in the ongoing battle against money laundering, as they empower people to recognize and report suspicious activities, ultimately contributing to a more transparent and secure financial system.

洗钱是犯罪分子用来掩盖非法所得资金来源的过程。这个术语指的是将“肮脏”的钱变得“干净”的行为。这种做法不仅是非法的，而且对全球金融系统和经济的完整性构成了重大威胁。理解洗钱（money laundering）的概念对于任何对金融、执法或公共政策感兴趣的人来说都是至关重要的。洗钱的过程通常包括三个阶段：投放、分层和整合。在投放阶段，非法资金被引入金融系统。这可以通过各种方式完成，例如将现金存入银行或用其购买资产。这里的目标是将资金与其犯罪来源隔离开来。接下来是分层阶段，洗钱者试图通过一系列复杂的交易来模糊资金的来源。这可能涉及在不同账户之间转移资金，将其转换为不同货币，或投资于各种金融工具。分层的目的是使追踪资金回到其非法来源变得极其困难。最后，整合阶段涉及将现在“清洁”的资金重新引入经济。此时，这些资金可以在不引起怀疑的情况下使用，使犯罪分子能够享受他们的利润而不必担心法律后果。整个过程旨在为这些资金创造合法性的假象，有效地抹去它们的犯罪来源的任何痕迹。洗钱的影响深远。它破坏了金融系统，因为它使犯罪分子能够从其非法活动中获益。此外，它还可以通过为其他非法企业提供必要的资金来促进进一步的犯罪。例如，毒品贩运、人贩子和恐怖主义往往依赖于洗钱来成功运作。各国政府和国际组织已认识到洗钱所带来的危险，并实施了各种措施来打击它。诸如金融行动特别工作组（FATF）建议等法规要求金融机构建立强有力的反洗钱（AML）计划。这些计划通常包括客户尽职调查、交易监控以及向相关当局报告可疑活动。尽管采取了这些措施，洗钱仍然是一个普遍存在的问题。犯罪分子不断调整他们的方法，以利用监管框架中的弱点。数字货币和在线支付系统的兴起进一步复杂化了对洗钱的打击，因为这些平台可以提供匿名性和便捷的转账。总之，理解洗钱（money laundering）在当今世界中至关重要。这是一个复杂的问题，不仅影响金融部门，还影响更广泛的社会。通过了解洗钱的手段及其后果，个人和机构可以更好地装备自己，以打击这一严重犯罪。意识和教育是对抗洗钱的持续斗争中的关键，因为它们使人们能够识别和报告可疑活动，最终有助于建立一个更加透明和安全的金融体系。