diplomsko delo
Sara Vasilić (Author), Aleksander Aristovnik (Mentor)

Abstract

Diplomsko delo predstavlja problematiko pranja denarja in financiranja terorizma v bančništvu, ki je največji in najbolj tvegan sektor med zavezanci. Delo se osredotoča predvsem na vpliv, ki ga ima pranje denarja na svetovno gospodarstvo in na pregled obstoječega sistema. Njegov namen je preprečevanje in omejevanje tveganj, povezanih s področjem. V delu sledi podrobnejša raziskava obstoječih bančniških ukrepov, pri čemer je v ospredju njihova slaba učinkovitost. V navezavi na to se kaže tudi nesorazmerje med vloženimi sredstvi na strani bančniških zavezancev in svetovnimi gospodarstvi. Empirični del v ospredje postavlja ugotovitve na osnovi intervjuja, ki jih v kontekst postavlja primerjava z ugotovitvami iz literature in veljavnimi ukrepi. Slednje so oblikovale organizacije, ki delujejo na področju pranja denarja in financiranja terorizma. Na podlagi empiričnega dela je mogoče sklepati, da je obstoječ sistem kljub dobri implementaciji veljavnih standardov pomembno analizirati z vidika učinkovitosti in ga prenoviti. Izkazalo se je, da pravilna kvantitativna analiza dejanskega obsega umazanega denarja, ki kroži po svetovnem gospodarstvu, ne obstaja. Izkazuje se tudi prenasičenost bančne zakonodaje, saj ima banka kot zavezanec preveliko odgovornost, glede preventivnih ukrepov. Delo poleg tega izpostavlja nesorazmerje med gospodarskimi vložki in dejanskim znižanjem infiltracije umazanega denarja v obtoku legitimnega gospodarstva, na katerega negativno vpliva predvsem pojav nelojalne konkurence. V prihodnosti bi bilo treba stremeti k racionalizaciji ukrepov, ki jih morajo izvajati banke in drugi zavezanci. V nadaljnjih raziskavah je ključnega pomena ugotoviti učinkovitost celotnega sistema, ki ga na mednarodni ravni nadzorujejo pristojni organi, in pri tem iskati sinergije ter harmonizacijo ukrepov.

Keywords

pranje denarja;financiranje terorizma;umazan denar;ocena tveganja;pregled stranke;Walkerjev gravitacijski model;AMLA;

Data

Language: Slovenian
Year of publishing:
Typology: 2.11 - Undergraduate Thesis
Organization: UL FU - Faculty of Administration
Publisher: [S. Vasilić]
UDC: 343.9.024:336.7(043.2)
COBISS: 158270211 Link will open in a new window
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Downloads: 7
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Other data

Secondary language: English
Secondary title: Prevention of money laundering and financing of terrorism in banking
Secondary abstract: The thesis presents the problem of money laundering and terrorist financing in banking, which is the largest and riskiest sector among obligees. The work focuses on the impact of money laundering on the global economy and on the review of the system. The work follows a more detailed investigation of the existing banking measures, focusing on their poor efficiency. In connection with this, there is also a disproportion between the invested funds in relation between banks and the global economy. The empirical part foregrounds the interview-based findings, which are contextualized by a comparison with findings from the literature and measures. On the basis of the empirical work, it can be concluded that despite the good implementation of the applicable standards, the existing system must be analyzed and renewed for efficiency. A correct quantitative analysis of the actual volume of dirty money circulating in the global economy does not exist. The oversaturation of banking legislation is also evident, as the bank, as an obligee, has too much responsibility regarding preventive measures. In addition, the work highlights the disproportion between economic inputs and the actual reduction in the infiltration of dirty money in the circulation of the legitimate economy, which is negatively affected mainly by the phenomenon of unfair competition. In the future, rationalization of the measures that the obligees amust implement should be done. In further research, it is crucial to determine the effectiveness of the entire system and to look for synergies and harmonization of measures.
Secondary keywords: money laundering;terrorist financing;dirty money;risk assessment;customer review;Walker gravity model;AMLA;
Type (COBISS): Bachelor thesis/paper
Study programme: 1000530
Embargo end date (OpenAIRE): 1970-01-01
Thesis comment: Univ. v Ljubljani, Fak. za upravo
Pages: XI, 63 str.
ID: 19495827