أثر تطبيق مبأ السرية المصرفية في محاربة جريمة غسيل الأموال

الملخص EN

The banking secrecy is the cornerstone of the bank transaction, and that they provided to the customer of contentment in maintaining privacy, especially relating to financial his trust.

But, it has recently become a feature sought by money Launderers.

Although the criminal legislation and financial anti-money laundering does not affect the freedom of legitimate financial transactions.

It does not require the complete abolition of the principle of maintaining the confidentiality of financialtransactions for clients (banking secrecy) with the exception of some suspected cases, it also must differentiate between the customer or noble client and the client that his money is polluteted ,the former doesn't harm him detect sources of money because they are legitimate and can be protected by objectivity controls to detect secret accounts.

So and through this article we will learn about banking secrecy and scope as well as personal, substantive and temporal, and as well as the effect of anti-money laundering law son banking secrecy in Switzerland and Algeria, and how they were able to reconcile the bank secrecy and anti-money laundering process.