UGOTAVLJANJE DEJANSKIH LASTNIKOV PO ZAKONU O PREPREČEVANJU PRANJA DENARJA IN FINANCIRANJU TERORIZMA (ZPPDFT) V SLOVENIJI NA PODROČJU BANČNIŠTVA

Kastelic, Mateja

| | SLO | ENG | Cookies and privacy

Bigger font | Smaller font

First page > Show document

Show document

Title:	UGOTAVLJANJE DEJANSKIH LASTNIKOV PO ZAKONU O PREPREČEVANJU PRANJA DENARJA IN FINANCIRANJU TERORIZMA (ZPPDFT) V SLOVENIJI NA PODROČJU BANČNIŠTVA
Authors:	ID Kastelic, Mateja (Author) ID Markovič Hribernik, Tanja (Mentor) More about this mentor...
Files:	VS_Kastelic_Mateja_2012.pdf (1,05 MB) MD5: 0C85A3067B7F9E4744DEF802B4CBCBF5 PID: 20.500.12556/dkum/7a001183-b3a2-4c04-a0f1-ba1984d80ff0
Language:	Slovenian
Work type:	Final seminar paper
Typology:	2.11 - Undergraduate Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Današnji globalni finančni sistem se korenito razlikuje od podobe, ki jo je imel pred nekaj desetletji. Sistem se ni povečal samo po obsegu, ampak je postal kompleksnejši. Države so odprle vrata svojih gospodarstev, deregulirale svoj finančni sektor in dovolile, da so se njihovi domači finančni sistemi – poslovne banke, finančne družbe, delniški trgi, borzne hiše – našli z družbeniki v drugih državah in celo vlagali drug v drugega. Finančno poslovanje so bogatili tudi novi izdelki: od kartic za bankomat do zapletenih pogodb, s katerimi je mogoče prenašati velike vsote denarja na različne načine. Vse to so omogočile tudi nove tehnologije, zaradi katerih so se stroški transakcij zmanjšali, zemljepisne razdalje pa zbledele. V diplomskem seminarju sem predstavila vlogo bank pri ugotavljanju in pridobivanju podatkov o dejanskih lastnikih po ZPPDFT. Načelo »poznati svojo stranko« je temelj varnega in uspešnega poslovanja in osnova za nudenje storitev, ki jih potrebuje stranka, hkrati pa dobro poznavanje stranke in razumevanje njenega poslovanja zmanjšuje tveganje, da bi stranka banko zlorabila za namen pranja denarja ali financiranje terorizma. Težave pri pridobivanju ustrezne dokumentacije o dejanskih lastnikih in odkrivanju pranja denarja predstavljajo države z neurejeno zakonodajo tako na finančnem kot tudi na kazanskem področju. Dodaten problem pri pridobivanju podatkov o dejanskih lastnikih predstavljajo predpisi bank zaradi tajnosti finančnega poslovanja, kar otežuje celo delo organov pregona. Banke morajo pri poslovanju dosledno izvajati ukrepe, ki jih določa ZPPDFT, med katerimi velja posebej izpostaviti tiste, ki se neposredno nanašajo na ugotavljanje dejanskega lastnika stranke, če je ta pravna oseba, ter ukrepe, s katerimi organizacije laže prepoznajo transakcije ali stranke, v zvezi s katerimi obstajajo razlogi za sum pranja denarja ali financiranja terorizma.
Keywords:	pranje denarja, financiranje terorizma, ugotavljanje dejanskega lastnika
Place of publishing:	Maribor
Publisher:	[M. Kastelic]
Year of publishing:	2012
PID:	20.500.12556/DKUM-36949
UDC:	343.9
COBISS.SI-ID:	11208988
NUK URN:	URN:SI:UM:DK:5LUGLL9T
Publication date in DKUM:	21.11.2012
Views:	2988
Downloads:	303
Metadata:
Categories:	EPF
:	Copy citation

Average score:	(0 votes)
Your score:	Voting is allowed only for logged in users.
Share:

Hover the mouse pointer over a document title to show the abstract or click on the title to get all document metadata.

Secondary language

Language:	English
Title:	INDENTIFICATION OF BENEFICIAL OWNERS UNDER THE PREVENTION OF MONEY LAUNDERING AND TERRORIST FINANCING IN SLOVENIA IN THE BANKING SECTOR
Abstract:	Today's global financial system is radically different from the images it had a few decades ago. The system is not only increased in volume, but has become more complex. Countries have opened the door of their economies, deregulated their financial sectors and allowed their domestic financial systems - commercial banks, finance companies, stock markets, auction houses - to find partners in other countries and even invest in each other. Financial operations were enriched by new products, from ATM cards to complex contracts, which can be used to transfer large sums of money in different ways. All of this was enabled by new technologies, which have reduced transaction costs, but the geographical distances have faded. In the graduate seminar I presented the role of banks in identifying and obtaining information on the actual owner, after the Money Laundering and Terrorist Financing Prevention Act. The principle of "Know your customer" is the foundation for safe and successful business, and is the basis for the provision of services required by the customer. But a good knowledge and understanding of customer's business reduces the risk that a customer would abuse the bank for money laundering or terrorist financing. Difficulties in obtaining adequate documentation of the actual owners and detection of money laundering are the countries with poor law, both in financial as well as criminal aspect. An additional problem in obtaining information on actual owners are banks regulations - for the secrecy of financial operations, which makes work of the law enforcement even harder. Banks are required to strictly implement the measures imposed by the Money Laundering and Terrorist Financing Prevention Act. Among these we highlight those that are directly related to the determination of the actual owner of the client, if the legal entity, as well as measures to help organizations identify the transaction or the parties regarding there are reasonable grounds to suspect money laundering or terrorist financing.
Keywords:	money laundering, terrorist financing, beneficial owners

Comments

Leave comment

You must log in to leave a comment.

Comments (0)

0 - 0 / 0

There are no comments!

Back