University of Belgrade, Faculty of Economics and Business application/pdf 513991 bytes https://phaidrabg.bg.ac.rs/o:35893 cobiss:151584521 ISBN: 978-86-403-1837-2 Ključne reči: sprečavanje pranje novca, Radno telo za finansijsku akciju (FATF), banke Keywords: Anti-Money Laundering, Financial Action Task Force (FATF), banks info:eu-repo/semantics/conferenceProceedings Lukić, Velimir Šerić, Neven Maljić, Vinko Popović, Svetlana Prva konferencija iz forenzičkog računovodstva Perspektive razvoja forenzičko-računovodstvenih kapaciteta: izazovi za javni i korporativni sektor : zbornik radova startpage: 251 endpage: 269 http://creativecommons.org/licenses/by-nc-nd/4.0/legalcode Uticaj sistema za sprečavanje pranja novca na bankarsko poslovanje srp 2024 Apstrakt: U poslednjoj deceniji napravljeni su krupni koraci na međunarodnom planu u suzbijanju aktivnosti pranja novca. U radu se razmatraju sastavni elementi pravnog okvira za sprečavanje pranja novca i implikacije opšteprihvaćenih globalnih standarda koje definiše FATF. Nalaz rada je da su tehnički poslovi oko pisanja i usvajanja nacionalnih propisa kojima se FATF standardi transponuju u domaću legislativu i regulativu uglavnom uspešno završeni, ali da krajnji rezultati manifestovani u uspešnim istražnim radnjama, podignutim optužnicama i donetim sudskim presudama još uvek ostaju neostvareni. U radu se analiziraju dve reperkusije sistema za sprečavanje pranja novca na bankarski sektor: kažnjavanje banaka koje krše propise i međunarodna plaćanja koja se odvijaju preko korespondentskih banaka. Bankama se razrezuju rigorozne kazne za kršenje odredbi iz oblasti pranja novca, mnogo veće nego u slučaju kršenja propisa iz drugih oblasti poslovanja. Iz predostrožnosti banke su počele da preispituju svoje korespondentske odnose sa bankama iz problematičnih jurisdikcija, što može da ugrozi globalni rast i trgovinu zbog otežane realizacije međunarodnih plaćanja. Bankarski sektor je odigrao važnu ulogu u blokiranju prenosa i integraciji nezakonito stečenog novca, ali je još mnogo izazova ispred njega. Abstract: In the last decade, major steps have been taken internationally in combating money laundering activities. The paper discusses the building blocks of the legal framework for preventing money laundering and the implications of generally accepted global standards defined by the FATF. The finding of the paper is that the technical tasks related to the writing and adoption of national regulations transposing the FATF standards into domestic legislation and regulations have mostly been successfully completed, but that the final results manifested in successful investigations, indictments and court rulings still remain unfulfilled. The paper analyzes two repercussions of the anti-money laundering system on the banking sector: penalizing banks that violate regulations and international payments that take place through correspondent banking. Rigorous penalties are imposed on banks for violating regulations in the area of money laundering, much higher than in the case of violations of regulations in other areas of business. For precautionary reasons, banks have begun to review their correspondent relationships with banks located in problematic jurisdictions, which may threaten global growth and trade due to the difficulty of realizing international payments. The banking sector has played an important role in blocking the transfer and integration of ill-gotten gains, but there are still many challenges ahead.