Primerjava preprečevanja pranja denarja v Republiki Sloveniji in Republiki Srbiji

magistrsko delo

Rok Lešnik (Avtor), Andreja Primec (Mentor)

Povzetek

Namen magistrske naloge je predstaviti vlogo bančnega sistema pri preprečevanju pranja denarja in financiranju terorizma. V magistrski nalogi bo predstavljen problem pranja denarja v Sloveniji in Srbiji, zakonodaja, postopki ter domače in tuje organizacije, ki regulirajo preprečevanje pranja denarja in financiranja terorizma. V magistrski nalogi je izraz »pranje denarja« povzet kot področje preprečevanja pranja denarja in financiranja terorizma. Cilj magistrske naloge je predstaviti osnovne pojme, razložiti zakonodajo v Republiki Sloveniji in Republiki Srbiji, v praktičnem delu pokazati, kako lahko bančni uslužbenec prepreči poskus pranja denarja v X banki ter z anketo ugotoviti mnenje javnosti ali so državljani Slovenije zadovoljni z ukrepi institucij pri preprečevanju pranja denarja in financiranja terorizma. Glede na podatke iz preteklih let o številu sumljivih prijav transakcij, delež bank predstavlja več kot 90% prijav, kar pomeni, da banke pri preprečevanju pranja denarja in financiranja terorizma nosijo ključno vlogo. Skozi magistrsko delo zato želim pokazati, da je bančni sistemu v Republiki Sloveniji ustrezno urejen z Zakonom o preprečevanju pranja denarja in financiranja terorizma. V samem delu je opisano kakšne pristojnosti imajo Urad Republike Slovenije za preprečevanje pranja denarja, Komisija za preprečevanje korupcije Republike Slovenije ter Banka Slovenije. Z zlorabo bančnega sistema za namen pranja denarja posamezna banka in celotni finančni sektor določene države izgubita ugled. V vseh bankah po Sloveniji in Evropski Uniji je bilo potrebno implementirati zakonodajo, ki jo je sprejel parlament Evropske Unije. V nadaljevanju so predstavljeni preventivni ukrepi za preprečevanje pranja denarja in financiranja terorizma in po sklopih opisani indikatorji za prepoznavanje sumljivih transakcij. Banke se morajo zavedati, da so pri svojem poslovanju izpostavljene različnim tveganjem. Sestavni del poslovanja bank je tudi prevzemanje tveganj. Banka, ki želi biti uspešna, mora izvajati različne aktivnosti za vzpostavitev sistema upravljanja s tveganji, s katerim bo zagotovila učinkovito obvladovanje, prepoznavanje, spremljanje in merjenje tveganj. Kljub temu, da učinkovit sistem upravljanja s tveganji ne prinaša višjega dobička, je pa ključen pri zmanjševanju škode, ki jo banka lahko utrpi. Za uspešno obvladovanje tveganj na področju pranja denarja morajo banke vzpostaviti sistematičen in učinkovit sistem za preprečevanje in odkrivanje pranja denarja.

Ključne besede

pranje denarja;terorizem;financiranje;bančni sistemi;pravna ureditev;mednarodne primerjave;Slovenija;Srbija;

Podatki

Jezik:	Slovenski jezik
Leto izida:	2019
Tipologija:	2.09 - Magistrsko delo
Organizacija:	UM EPF - Ekonomsko-poslovna fakulteta
Založnik:	[R. Lešnik]
UDK:	343.9(043.2)
COBISS:	13376028
Št. ogledov:	931
Št. prenosov:	149
Ocena:	0 (0 glasov)
Metapodatki:

Ostali podatki

Sekundarni jezik:	Angleški jezik
Sekundarni naslov:	Comparison of money laundering prevention in Republic of Slovenia and Republic of Serbia
Sekundarni povzetek:	The purpose of the master's thesis is to present the role of the banking system in the prevention of money laundering and terrorist financing. The master's thesis will present the problem of money laundering in Slovenia and Serbia, legislation, procedures, and domestic and foreign organizations that regulate the prevention of money laundering and terrorist financing. In the master's thesis, the term "money laundering" is summarized as an area of prevention of money laundering and terrorist financing. The objective of the master's thesis is to introduce the basic concepts, explain the laws of the Republic of Slovenia and the Republic of Serbia, and in practical way to show how a bank employee can prevent the attempt of money laundering in the X bank and a survey to determine public opinion if Slovenian citizens are satisfied with the actions of the institutions in preventing money laundering and terrorist financing. According to data from previous years on the number of suspicious transaction reports, the share of banks accounts for more than 90% of applications, which means that banks play a key role in preventing money laundering and terrorist financing. Therefore, the master's thesis is to show that the banking system in Slovenia is properly regulated by the laws on the prevention of money laundering and terrorist financing. The work itself describes the responsibilities of the Office, the Anti-Corruption Commission (CCP) and the Bank of Slovenia. The abuse of the banking system for the purpose of money laundering, any individual bank and the entire financial sector in any given country lose reputation. In all banks across Slovenia and the European Union, it was necessary to implement the legislation adopted by the EU Parliament. Precautionary measures for the prevention of money laundering and terrorist financing are presented below and indicators identified for identifying suspicious transactions are also set out below. Banks need to be aware that they are exposed to different risks in their operations, therefore it is important that risk taking is an integral part of their business. A bank that wants to be successful must carry out activities to establish a risk management system that will ensure effective identification, measurement, control and monitoring of risks. In doing so, banks need to be aware that an effective risk management system does not generate higher profits but is key to reducing the damage that a bank can suffer. For the successful management of risks in the field of money laundering, banks must establish a systematic and effective system for the prevention and detection of money laundering.
Sekundarne ključne besede:	money laundering;terrorist financing;Slovenia;Serbia;money laundering typologies;Moneyval;FATF;ZPPDFT-1.;
Vrsta dela (COBISS):	Magistrsko delo/naloga
Komentar na gradivo:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Strani:	67 str.
ID:	11145284