Promjene zakonodavnog uređenja sustava sprječavanja pranja novca i financiranja terorizma u Republici Hrvatskoj

master's thesis

• Title (english): Legislative changes in the system of anti-money laundering and terrorist financing in the Republic of Croatia
• Author: Aida Hajrudinović
• Mentor: Sonja Cindori (mentor)
• Committee member: Sonja Cindori (predsjednik povjerenstva)
• Committee member: Tereza Rogić Lugarić (član povjerenstva)
• Committee member: Irena Klemenčić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Law; (Financial Law and Financial Science); Zagreb
• Defense date and country: 2023-09-11, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Law

Abstract

Pranje novca može se definirati na različite načine. Bez obzira na definiciju, postupci pranja novca imaju zajednički cilj, a to je da se omogući korištenje novca stečenog ilegalnim aktivnostima. Postupak pranja novca prolazi kroz tri faze, a to su: polaganje, oplemenjivanje i integracija. S obzirom na kompleksnost postupaka pranja novca potrebna je njegova regulacija kako na nacionalnoj, ali i međunarodnoj razini. Na donošenje zakona na nacionalnoj razini utječu preporuke FATF-a, ali i evaluacije MONEYVAL-a. Osim utjecaja s međunarodne razine, Europska unija donosi brojne uredbe, ali i direktive kojima se regulira pranje novca. Sve navedeno utjecalo je i na hrvatsko zakonodavstvo koje od prvog zakona iz 1997. godine nastoji uskladiti domaće zakonodavstvo s europskim i međunarodnim standardima. Svaki novi zakon donosi novine, kako glede instituta, tako glede učinaka promjena. Kroz nešto više od dvadeset godina postojanja hrvatski sustav sprječavanja pranja novca transformirao se od sustava koji se temelji na strogim pravilima do sustava koji se temelji na riziku. Svaka promjena zakona donijela je nove institute i učinke. No, pranje novca je dinamična kategorija koja dovodi do česte promjene zakona što dovodi do pravne nesigurnosti. Stoga, daljnji razvoj sustava sprječavanja pranja novca trebao bi ići u smjeru razvijanja sustava koji nije precizan i krut nego dovoljno fleksibilan, a sve uz poticanje institucionalne suradnje i ulaganja u ljudske resurse.

Abstract (english)

Money laundering can be defined in many different ways. No matter how we defined them, all money laundering procedures have common goal which is to enable the usage of money from illegal activities. Money laundering consist of three phases, which are: placement, layering and integration. The complexity of procedures of money laundering rises the need for regulation both on a national and international level. Enactment of laws is influenced by FATF recommendations, but also by evaluations made by MONEYVAL. Except for international influences, European union is enacting many regulations, but also directives by which the money laundering is regulated. All mentioned had some influence on Croatian legislative system which is trying, since first law from 1997, to harmonize its domestic legislation with European and international standards. With each new law there are new institutes and changes. Through the period of twenty and something years Croatian anti-money laundering system has transformed from the system based on strict rules to the system based on risk. Each legislative change brought some new institutes and effects. But money laundering is dynamic category which brings to often legislative changes and legal insecurity. Hence, further development of anti-money laundering system supposed to go in a direction of developing the system which is not precise and rigid then flexible enough, and all with encouragement of institutional cooperation and investments in human resources.

• Keywords: pranje novca; sustav sprječavanja pranja novca; financiranje terorizma; zakonodavne promjene; sustav temeljen na pravilima; sustav temeljen na riziku.
• Keywords (english): money laundering; anti-money laundering system; terrorist financing; legislative changes; rule-based system; risk based system
• Language: croatian
• URN:NBN: urn:nbn:hr:199:336853
• Study programme: Title: Law; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra prava (magistar/magistra prava)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2023-09-18 14:15:27