Obveze nefinancijskih subjekata u primjeni mjera sprječavanja pranja novca

master's thesis

• Title (english): Obligations of non-financial entities in the application of measures to prevent money laundering
• Author: Gabrijela Dobrović
• Mentor: Sonja Cindori (mentor)
• Committee member: Sonja Cindori (predsjednik povjerenstva)
• Committee member: Jasna Bogovac (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: 2025-02-18, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Law

Abstract

U uvjetima sveprisutne digitalizacije, značajnog utjecaja tehnologije i inovacija, pranje novca postaje rastuća, sofisticirana industrija, a broj sudionika sve veći. Posljedice su brojne i raznolike i postaju globalni problem. Neke od njih su: porast kriminala, nasilja i korupcije, negativan utjecaj na rast srednjih i malih poduzeća, politička destabilizacija, manjak prihoda državnim proračunima, destabilizacija vladavine prava i mnoge druge. Pojam pranja novca složen je i sastoji se od niza postupaka kojim počinitelji prljav novac pokušavaju plasirati u legitimni gospodarski sustav. Kroz godine stvaran je međunarodni i domaći pravni okvir i institucije za uspješnu borbu protiv pranja novca čiji će se razvoj prikazati u radu. U tom procesu ubacivanja prljavog novca u legitimne tokove iskristalizirale su se tri glavne faze i brojne međufaze. Nove tendencije pokazuju da se fokus perača s bankarskog, prebacio na nefinancijski sektor i samostalne djelatnosti. U radu će se pojasniti na koji način perači preko tog sektora pokušavaju oprati novac i kako se pravilnim postupanjem, ispunjavajući propisane obveze može znatno doprinijeti njegovom sprječavanju. Zakonodavac, mjerama poput: dubinske analize stranke, provjere stvarnog vlasništva stranke, obavještavanjem nadležnog tijela o sumnjivim transakcijama ili osobama pa i obvezom stručnog osposobljavanja i edukacije, nastoji učinkovito suzbiti pranje novca i financiranje terorizma.

Abstract (english)

In the conditions of ubiquitous digitization, the significant impact of technology and innovation, money laundering is becoming a growing, sophisticated industry and the number of participants is increasing. The consequences are numerous and diverse and become a global problem, some of them are: crime increase, violence and corruption increase, negative impact on the growth of medium and small businesses, political destabilization, lack of revenue to state budgets, destabilization of the rule of law and many others. The concept of money laundering is complex and consists of a series of procedures by which perpetrators try to place dirty money in the legitimate economic system. Over the years, an international and domestic legal framework and institutions for the successful fight against money laundering have been created, the development of which will be presented in the paper. In this process of injecting dirty money into legitimate flows, three main phases and numerous intermediate phases crystallized. New trends show us that the focus of launderers has shifted from the banking sector to the non-financial sector and self-employed activities. The paper will show how money launderers try to launder money through that sector and how, by following proper actions and fulfilling the prescribed obligations, one can significantly contribute to its prevention. The legislator, through measures such as: in-depth analysis of the party, verification of the real ownership of the party, notification of the competent authority about suspicious transactions or persons, as well as the obligation of professional training and education, tries to effectively suppress money laundering and terrorism financing.

• Keywords: Pranje novca; Financiranje terorizma; Samostalne djelatnosti; Nefinancijski sektor; Mjere za sprječavanje pranja novca.
• Keywords (english): Money laundering; Terrorism financing; Independent activities; Non-financial sector; Measures to prevent money laundering.
• Language: croatian
• URN:NBN: urn:nbn:hr:199:992706
• Study programme: Title: Law; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: sveučilišni magistar/magistrica prava (sveučilišni magistar/magistrica prava)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2025-02-20 11:45:32