Pranje denarja v zavarovalnicah

diplomsko delo visokošolskega strokovnega študija Varnost in policijsko delo

Teja Bratuž (Author), Igor Lamberger (Mentor)

Abstract

Če želijo storilci denar, ki so ga pridobili na ilegalen način obdržati, ga morajo oprati, to se pravi prikriti njegov pravi izvor. Da to storijo obstajajo različne metode in tehnike, ki se imenujejo pranje denarja. Pranje denarja se hitro širi in je mednarodni problem. Sodelovanje med državami in poznavanje tega problema lahko pripelje do učinkovitega odkrivanja in preprečevanja pranja denarja, saj nobena država ni imuna na ta problem. Za zaščito finančnega, pravosodnega in gospodarskega sistema države je potrebno nenehno razvijati, nadgrajevati in urejati zakone, ki to prepovedujejo in imajo kazenske sankcije, le-te pa je potrebno tudi uspešno izvajati. Nastajale so različne konvencije in predpisi v okviru Organizacije združenih narodov, direktive Evropske unije, priporočila Projektne skupine za finančno ukrepanje FATF. Svet Evrope je postal prva mednarodna organizacija, ki je namenila veliko pozornost prav pranju denarja. Tudi Slovenija je ogrožena in zato je uvedla številne ukrepe proti kaznivemu dejanju pranja denarja. Pranje denarja je opredeljeno v kazenskem zakoniku. Pomemben je tudi Zakon o preprečevanju pranja denarja in financiranju terorizma. Storilci iščejo vedno nove rešitve, zato tudi zavarovalnice postajajo ena od rešitev za pralce denarja. Urad Republike Slovenije za preprečevanje pranja denarja in Agencija za zavarovalni nadzor sta dve instituciji, ki izvajajo ukrepe proti pranju denarja v zavarovalnicah. V nadaljevanju diplomske naloge so opisane obvezne naloge, ki jih morajo izvajati zavarovalnice in posredniki za odkrivanje in preprečevanje pranja denarja in financiranja terorizma. Urad za preprečevanje pranja denarja je zabeležil sedem gotovinskih transakcij nad 30.000 EUR v obdobju od leta 2004 do 2009 in dve sumljivi transakciji v istem obdobju. Tako lahko sklepamo, da se pranje denarja pojavlja v slovenskih zavarovalnicah. Zavedamo se, da je tema zelo občutljiva. Na vprašanje, kakšne ukrepe izvajajo zavarovalnice za preprečevanje pranja denarje, smo dobili odgovor od Zavarovalnice Adriatic Slovenica, d. d.

Keywords

zavarovalništvo;zavarovalnice;pranje denarja;diplomske naloge;

Data

Language:	Slovenian
Year of publishing:	2012
Source:	[Ljubljana
Typology:	2.11 - Undergraduate Thesis
Organization:	UM FVV - Faculty of Criminal Justice
Publisher:	T. Bratuž]
UDC:	343.3/.7:368(043.2)
COBISS:	2536938
Views:	1125
Downloads:	149
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary abstract:	If the perpetrators wish to keep the illegally obtained money they have to launder it, i.e. conceal its true origin. There are different methods and techniques to achieve this and they are known as money laundering. Money laundering is spreading quickly and it is an international problem. The cooperation between countries and the awareness of this problem can lead to effective detection and prevention of money laundering since no country is immune to the problem. To protect the financial, legal and economic systems of a country it is necessary to continuously develop, upgrade and regulate laws that prevent money laundering and that provide sanctions, and then successfully enforce them. Different conventions and regulations have been formed within the framework of the United Nations Organization; there are also the European Union directives and the Financial Action Task Force recommendations. The Council of Europe was the first international organization that paid special attention to money laundering. Slovenia is vulnerable too and has thus adopted numerous measures against the criminal act of money laundering. Money laundering is defined in the penal code, and the Prevention of Money Laundering and Terrorist Financing Act is also important. The perpetrators are always looking for new methods, that is why insurance companies are used more and more often to launder money. The Slovenian Office for Money Laundering Prevention and the Insurance Supervision Agency are the two institutions that implement measures against money laundering in insurance companies. The obligatory tasks that the insurance companies and the agents who detect and prevent money laundering and the financing of terrorism must perform are described in the diploma thesis. Between the years 2004 and 2009, the Office for Money Laundering Prevention has registered seven cash transactions over 30.000 € and two suspicious transactions in the same period. We can conclude that money laundering does occur in Slovenian insurance companies. We are aware of how sensitive this topic is. The questions about what measures the insurance companies implement to prevent money laundering were answered by the insurance company Adriatic Slovenica, d.d.
URN:	URN:SI:UM:
Type (COBISS):	Bachelor thesis/paper
Thesis comment:	Univ. v Mariboru, Fak. za varnostne vede, Ljubljana
Pages:	64 str.
Keywords (UDC):	social sciences;družbene vede;law;jurisprudence;pravo;pravoznanstvo;criminal law;penal offences;kazensko pravo;kazniva dejanja;offences against the state;particular offences;specific punishable acts;posamezna kazniva dejanja;posebni del kazenskega prava;social sciences;družbene vede;safeguarding the mental and material necessities of life;socialno delo;socialna pomoč;stanovanje;zavarovalstvo;insurance;communal provision through sharing of risk;zavarovalstvo;skupno kritje z delitvijo tveganja;
ID:	15438