Pranje novca u Republici Hrvatskoj iz perspektive odgovornosti banaka

master's thesis

• Title (english): Money laundering in the Republic of Croatia from the perspective of bank responsibility
• Author: Vjekoslav Ivan Lovrić
• Mentor: Dajana Barbić (mentor); MBZ: 315024
• Committee member: Marijana Ivanov (predsjednik povjerenstva)
• Committee member: Martina Dragija Kostić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2021-09-28, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Pranje novca predstavlja ilegalnu, odnosno kriminalnu radnju s kojom se suočava cijeli svijet.
Predstavlja radnju putem koje se novac i novčani ekvivalenti usmjeravaju na radnje za koje
sredstva nisu namijenjena. Najjednostavnije rečeno pranje novca može se definirati kao
prikazivanje sredstava kao da dolaze iz jednog izvora, dok zapravo dolaze iz drugog izvora.
Odnosno pranje novca predstavlja „čišćenje“ novca koji je stečen ilegalnim radnjama i njegovo
uključivanje u regularni novčani tok u trgovini ili bilo kojem drugom sektoru. Taj se proces odvija
kroz tri definirane faze – polaganje, ležanje i integracija. Pranje novca sve je više prisutno u
bankarskom sustavu, što se očituje i kroz veliki broj identificiranih slučajeva kroz povijest, ali i u
novije vrijeme, zbog čega su stvoreni različiti mehanizmi kojima se nastoji boriti protiv pranja
novca. Kroz rad su objašnjeni pojmovi pranja novca i sustava sprječavanja pranja novca, povijesni
razvoj problema pranja novca, dok su prikazani i mehanizmi borbe protiv pranja novca, utjecaj
ljudskog faktora na mehanizme. Kroz praktične primjere prikazani su načini pranja novca u svijetu
te u Republici Hrvatskoj, kao i učinkovitost presuda i izrečenih kazni protiv banaka. Kroz dubinski
intervju prikazano je koliko su ljudi iz svijeta financija upoznati sa pojmom pranja novca i
načinima borbe protiv te ilegalne radnje.

Abstract (english)

Money laundering is an illegal or criminal act that the whole world is facing. It represents an action
through which money and cash equivalents are directed to activities for which the funds are not
intended. The simple definition says that money laundering can be defined as showing funds as if
they come from one source when they come from another source. Money laundering is the
"cleansing" of money acquired through illegal activities and its inclusion in the regular cash flow
in trade or any other sector. This process takes place through three defined phases - laying, lying
down and integration. Money laundering is increasingly present in the banking system, which is
reflected in a large number of identified cases throughout history and recent times, which is why
various mechanisms have been created to combat money laundering. The paper explains the
concepts of money laundering and money laundering prevention systems, the historical
development of money laundering problems, the mechanisms of combating money laundering,
and the influence of the human factor on the instruments. Practical examples show the ways of
money laundering in the world and the Republic of Croatia and the effectiveness of verdicts and
fines against banks. The survey showed how familiar people from the world of finance are with
the concept of money laundering and ways to combat this illegal activity.

• Keywords: pranje novca; sustav sprječavanja pranja novca; bankarski sektor; procjena rizika
• Keywords (english): money laundering; anti-money laundering; banking sector; risk assessment
• Language: croatian
• URN:NBN: urn:nbn:hr:148:714852
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2021-09-29 12:57:20