Preprečevanje pranja denarja v bančništvu

magistrsko delo

Aleksandra Perić (Author), Arne Mavčič (Mentor), Zlatko Dežman (Co-mentor)

Abstract

Predstavljajte si kriminalca, ki je milijonar, a je sredstva pridobil na nezakonit način. Sredstva bi rad uporabljal in jih vložil v nakup prestižnih stvari, a tega ne more storiti, ker bi plačevanje z gotovino delovalo zelo sumljivo. Premoženje mora prikazati na način, kot da ga je pridobil legalno - mora ga "oprati". Šele po tem, ko bo denar plasiran v gospodarski obtok, s čimer bo imel navidezno legalizirano podlago, ga bo lahko uporabljal za nakup raznih materialnih dobrin, ali pa ga bo položil na bančne račune. Ker je sledljivost izvora teh sredstev zahtevna, skoraj nemogoča, pralcu denarja ne bo mogel nihče dokazati izvršitve tega kaznivega dejanja in ga za to ustrezno sankcionirati. Pranje denarja je skoraj nemogoče izkoreniniti, lahko pa z ustreznimi predpisi in procesi vzpostavimo učinkovite politike proti pranju denarja, stremimo k ozaveščanju ljudi, s tem zmanjšamo njegovo razširjenost, nenazadnje pa tudi moč pralcev denarja. Najpomembnejšo nalogo v uresničevanju zgoraj napisanega imajo finančne ustanove, med katerimi izstopajo banke. Samo z učinkovitimi bančnimi sistemi proti pranju denarja in dobrim sodelovanjem bank, uradov, policije, tožilstev in sodišč lahko stremimo k uspešnejšemu preprečevanju tega kaznivega dejanja. Magistrsko delo obravnava navedeno tematiko, predstavi vse najpomembnejše pojme s tega področja, njegove faze in načine. Zajema tudi predstavitev najpomembnejših mednarodnih aktov in organov ter predstavi slovensko zakonodajo s tega področja. V delu lahko najdete tudi predstavitev dela Urada za preprečevanje pranja denarja, kot tudi primerjavo poročil uradov iz izbranih držav, nazadnje pa se magistrsko delo usmeri v vzpostavitev sistema za preprečevanje pranja denarja v izbrani banki.

Keywords

No keyword data available

Data

Language:	Slovenian
Year of publishing:	2019
Typology:	2.09 - Master's Thesis
Organization:	EVRO-PF - European Faculty of Law, Nova Gorica
Publisher:	[A. Perić]
UDC:	343.537:336.71(043.2)
COBISS:	2048084964
Views:	10
Downloads:	6
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary abstract:	Imagine a millionaire who obtained his money illegally. The criminal wants to use these funds and invest them in purchase of luxury goods, but is unable to do so because the manual transfer of cash would seem very suspicious. In order to avoid being suspected, the criminal has to make the origin of funds look legal. After the money is placed into economic system, giving it seemingly legalized basis, the criminal will be able to use it and to buy goods, or to place it on bank accounts. Since the traceability of the origin of these funds is demanding, no one will be able to prove that they laundered them. Money laundering is almost impossible to eradicate, but with appropriate regulations, effective anti-money laundering policies can be put in place. One of the most important tasks in the implementation of the above is the role of financial institutions, among which banks stand out. Only effective banking systems and the good and successful cooperation of relevant authorities can strive to prevent this crime successfully. This master%s thesis presents all the most important concepts in this field, its stages and ways. It also covers the presentation of the most important international acts and presents relevant Slovenian legislation. It also contains a presentation of the work of the Office for the Prevention of Money Laundering, as well as a comparison of its reports from selected countries. Lastly, it focuses on the establishment of a system to prevent money laundering at the selected bank.
Secondary keywords:	Pranje denarja;Magistrske naloge;Bančništvo;
Type (COBISS):	Master's thesis/paper
Thesis comment:	Evropska pravna fak.
Source comment:	Mag. delo 2. stopnje bolonjskega študija; Nasl. z nasl. zaslona; Opis vira z dne 28. 1. 2020;
Pages:	X, 108 str.
ID:	11399748