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洗钱大多要通过证券市场、期货市场完成,保险业也暗藏洗钱通道。 “保险与其他资金融通渠道有区别的是,投保人、被保险人、受益人可以是不同的人。如果说利用保险的渠道进行违规操作资金流向的话,保险这一性质非常重要。”一位业内人士点破,“比如,甲为乙投保寿险,保额100万元,年缴保费1O万元,受益人是乙,这是完全合理合规的。甲可以交付支票,乙可以领取现金。”
Money laundering mostly through the stock market, the futures market is completed, the insurance industry also hides money laundering channels. “Insurance and other financing channels are different, the insured, the insured, the beneficiaries can be different if the use of insurance channels for illegal operation of capital flows, the nature of insurance is very important.” One A person in the industry points out, “For example, A is B insured life insurance, insured amount of 1 million yuan, the annual premium paid 1O million, the beneficiary is B, which is completely reasonable and compliance. A can pay the check, B can receive cash.”