Kontrola pranja novca i financiranja terorizma u hrvatskom bankarskom sustavu

Ovaj rad se bavi kontrolom pranja novca i financiranja terorizma u hrvatskom bankarskom sustavu. Prikazane su zakonodavne i kontrolne mjere koje za cilj imaju spriječiti pranje novca i financiranje terorizma. Prihvaćene su temeljne hipoteze ovog rada. Bankarski sektor sa pripadajućim institucijama ima najznačajniju ulogu u preventivi pranja novca i financiranja terorizma, a sustav kontrole pranja novca i financiranja terorizma složen je i sastoji se od različitih sastavnica. Budući da se novac kojim se planira poticati terorizam i terorističko djelovanje prvo treba oprati, banke i institucije bankarskog sektora imaju najznačajniju ulogu u prevenciji pranja novca. Različitim mjerama, postupcima i procedurama te kontrolama institucije bankarskog sektora mogu utvrditi i okarakterizirati određene aktivnosti kao sumnjive. To naravno ne znači nužno da je riječ o pranju novca, no sumnjive aktivnosti izazivaju opravdanu sumnju. O takvim se aktivnostima potom trebaju izvijestiti nadležne institucije koje potom poduzimaju daljnje korake. Već iz samog pregleda zakonskog okvira može se naslutiti kako je sustav kontrole pranja novca i financiranja terorizma u hrvatskom bankarskom sustavu složen. Takav sustav obuhvaća brojne elemente, a kao glavna sastavnica može se navesti sustav kontrole rizika od pranja novca i financiranja terorizma. Poštivanjem zakonskih obveza i smjernica, moguće je smanjiti pranje novca i financiranje terorizma, što posljedično dovodi i do suzbijanja samog terorističkog djelovanja.The subject of this paper is the control of money laundering and terrorism financing in Croatia banking system. It shows legal and controlling measures which goal is to prevent money laundering and terrorism financing. Basic hypothesis are confirmed. Banking sector with belonging institutions has the most crucial role in preventing money laundering and terrorism financing and control system of money laundering and terrorism financing is complicated and has many determinants. Because the money which is planned for stimulating terrorism and terrorism acts first needs to laundered, banks and other institutions of banking sector have crucial role in prevention money laundering. By applying different measures, acts, procedures and controls, the institutions of banking sector can identify and characterize certain activities as suspicious. That of course doesn't mean that there is without no doubt money laundering in process, but suspicious transactions are rising the reasonable doubt. Competent institutions must be informed about those activities, which then take further measures. By only examining legal framework it is clear that the control system of money laundering and terrorism financing is very complicated. Such system comprehends many elements, and as main element can be named money laundering and terrorism financing risk control system. By obligating legal framework and guidelines it is possible to reduce money laundering and terrorism financing, which therefore can lead to reducing of terrorism and terrorism acts itself