تطور أساليب غسيل الأموال ودور إجراءات الرقابة الوقائية في البنوك لتعزيز مواجهة الظاهرة ( مع الإشارة لإجراءات البنوك في الجهاز المصرفي الجزائري)

Abstract

The world countries is seeking to attract foreign capitals and encourage investment flows to its territory, especially under financial and economic openness that the world is witnessing now, so its easier movement of capital which carries within it the growing movement organized crime and the growing circulation of its money, and however varied reasons for phenomenon of money laundering, whether directly reasons or in directly, this crime methods has evolved, that has  become exercised  in multiple and complex methods, traditional and innovative, so that through converting revenue crimes to assets and property look in the form of the legitimacy.

     Among these methods a large portion travels through the banking and another outside its are, which requires research on the nature of those methods which is witnessing widespread and sophisticated cancerous especially in the banking vessels that move most international economic wheel,

     Given the importance of the role of banks and financial institutions in the face and fight the suspicious financial operations, in addition to the negative effects of the money laundering phenomenon that lead to the destabilization of investor confidence in the banking system, and stay part of it under the control of the mafiaand organized crime.

So most countries put administrative and legal legislation to counter this phenomenon, hence the need arises for permanent banking controlling as preventative procedures to protect banks and their employees  from falling into the trap of this crime which change from a place to another and from time to time, which depends mainly on the weak of anti – money laundering and the efficiency of people who run them, which they may be with extensive economic, legal and banking expertise.

      Algeria, like other countries their banks ensured on anti – money laundering through preventive procedures which compatible with the relevant international standards, and comply with all necessary instructions for implementation of these laws, in addition to putoperation methods for process monitoring and control like establishment of national specialized organization for this purpose to enhance the safety and stability of the banking system.