With the rapid development of third-party payment in China, money laundering risk has become more and more hidden, complicated and prominent, thus the traditional evaluation methods should be improved as soon as possible. As for the institutions with high inherent risk, if their internal control is effective, the risk will be low. While quite the reverse is true for the institutions with low inherent risk. Therefore, the assessment of money laundering risk in third-party payment institutions should not only focus on the inherent risks, but also consider the internal control risks and the residual risks that are not controlled. Meanwhile, the empowerment of risk indicators at all levels need to overcome some shortages of Delphi method. For instance, sometimes it may be too subjective, so it should be combined with some objective methods-entropy weight method, for example, to reduce the subjectivity of Delphi method during the evaluating process, thereby achieving the combination of not only subjective and objective, but also qualitative and quantitative methods. Accordingly, this paper presents a new method to evaluate the money laundering risk in third-party payment institutions.%随着我国第三方支付业务的飞速发展, 其面临的洗钱风险越来越隐蔽、复杂、突出, 传统评估方法也应尽快改进;固有风险高的机构, 如果内部控制得力, 风险反而会低;固有风险低的机构, 如果内部控制低效, 风险也会升高.因此, 对第三方支付机构洗钱风险的评估, 既要关注固有风险, 也要考虑内部控制风险, 更要关注未被控制的剩余风险.同时, 各级风险指标的赋权要克服专家调查法可能存在的过于主观等不足, 而应结合熵权法等客观赋值法进行综合赋权, 以实现主观与客观、定性与定量相结合.据此, 本文给出评估第三方支付机构洗钱风险的一种新方法.
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