Dongosolo la zachuma la Australia ndi maziko a kulemera kwake kwa chuma, kuyang'anira AUD pa ndalama za ndalama za kubanki ndi dziwe lachinayi la penshoni yaikulu padziko lonse. Kugwirizanitsa kukhazikika, umphumphu, ndi chilungamo cha dongosolo lino ndi thayo locholoŵana, lakuchuluka, ndi Kayendedwe ka chuma cha Australia ndi kutumikira monga mapulani aakulu a mapulani ake a zachuma. Maluso ameneŵa sanapangidwa kuti apeze ntchito za [[FLD:] Ministry Commission Comssion [1] ndi pakati pa dziko lomasintha mofulumira lofotokozedwa ndi kusokonezeka kwa magetsi, genetic , ndi kuyendetsa nyengo, ndi kukonzanso zinthu. Maluso ameneŵa sanapangidwa kuti apange ntchito zamakono koma kuti apangenso kuyang'anira kusungitsa zinthu, kusungitsa malonda, kuchirikiza chuma.

Treasurement ikugwira ntchito mu “Twin Peaks” yopereka chitsanzo, yogwirizana kwambiri ndi bungwe la Australian Pruvension Regation Regation Authority (APRA), limene limayang'anira kutetezereka ndi kulimba kwa mabungwe a zachuma, ndi bungwe la Australian Securities and Investicements Commission (ASIC), limene limaumiriza khalidwe la malonda ndi chitetezo cha ogula. [FLL:0] Council of Ndalama Regallerators (CFR) [FL:1] imagwira ntchito yaikulu yothandiza kuti pakhale mgwirizano umenewu, kuyankha kogwirizana kwa dongosolo la zinthu. Nkhaniyi imapereka kupenda kodalirika kwa zolinga zazikulu, kuyambitsa, zoyambitsa mavuto, ndi njira za mtsogolo zimene zimalongosola bwino malamulo a bungwe la Australia.

Zolinga Zochititsa Kusintha Zinthu Zinatsogolera

Kukweza Chitetezo cha Anthu Ogula ndi Kusunga Umsika

Financial Services Royal Commission, imene inamaliza lipoti lake lomaliza mu 2019, kuvumbula kulephera kwa dongosolo la zinthu m’malangizo, kubwereketsa, ndi kuyendetsa ndalama. Chivomerezo chachikulu cha Treasury chakhala kukonza “choyambirira". Filosofi yokhudza kukonzanso. Izi zimaphatikizapo kulimbikitsa mathayo ndi kugaŵira (DDO) zopangira ndalama, kukulitsa ulamuliro wonena za kusadziletsa kutsimikizira ndi kuwongolera mofulumira, ndi kukulitsa mphamvu za bungwe la Filial Financial Cle Clecenters Authority (ACA). Cholinga chake ndicho kutumiza katundu ku makampani kuti atsimikize kuti zinthu zawo n’zoyenera ndipo khalidwe lawo nlolondola, kuchotsa lamulo lakale pa ogula nkhanizo kuti aonetse nkhani.

Kuteteza Dongosolo

Kukhazikika kwa zachuma kuli kofunika kuti chuma chikhale chokhazikika. Treasureal ndi Reserve Bank ya ku Australia (RBA) amagwira ntchito yoyang'anira ngozi za dongosolo la zinthu, kuphatikizapo kuchuluka kwa nyumba zogulitsira nyumba, kusagwirizana, ndi kugwirizana kwa mabungwe a zachuma. Macropridial anapangidwa, makamaka ndi APURA, imalola kuchuluka kwa miyezo yokongoletsa (m'jere, zopimira zothandizira ntchito) kuziziritsa misika yotentha. Cholinga cha TCHONS cha pano ndicho kumanga njira imene ingalimbanire ndi kusokonezeka kwakukulu kwa banja, vuto la zachuma padziko lonse, kapena chochitika chachikulu cha pa Intaneti yopereka msonkho popanda kulipira msonkho.

Kulimbikitsa Mpatuko Wogwirizana ndi Wochirikiza Magulu Osunga Malo

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Kulinganiza Lamulo la Padziko Lonse

Makampani a zachuma ndi apadziko lonse. Mabungwe a zachuma amathandiza kwambiri m'mabungwe opanga malamulo padziko lonse, kuphatikizapo Bank Superfect (BCBS), Financial Stability Board (FSB), ndi bungwe la International Organization of Secituraties Commissions (IOSCO). Kukhazikitsa malamulo a ku Australia ndi miyezo ya padziko lonse kumachepetsa kugaŵanika, kuchititsa kuti makampani a Australia akhalebe opikisana. Zimenezi n’zofunika kwambiri makamaka poyang'anira mabungwe a zachuma (G-SIF IS) amene amagwira ntchito m'Australia ndi kuchirikiza miyezo yamphamvu ya AMLM/CFF mogwirizana ndi bungwe la za za za za za zachuma (FF).

Njira Yaikulu Yosinthira Malo Ozungulira

Kuŵerengera Ndalama (FAR)

Chimodzi cha zotsatirapo zazikulu kwambiri za Royal Commission ndi za Masheya a Authority Regime (FAR), zimene zinagwira ntchito mokwanira mu March 2025 kwa makampani onse a APRA-auganda. Far imalowa mmalo mwa bungwe la Bank Authouty Authority Regime (BAAR) ndipo imawonjezera udindo woyang'anira gulu la akuluakulu ambiri m’mabanki, a makampani osungitsa ndalama, ndi ndalama zapamwamba zoikizira ndalama. Boma limafuna makampani kumasulira bwino maakauzira a akuluakulu ndi oyang'anira. Imauza a a bungwe la zachuma kuti apereke chilangocho ndi kuchotsa malamulo kumbuyo kwa kusinthasinthasintha kwa zinthu. Far imasintha kwambiri ndalama za kuyendetsa zinthu, kuyang'anira mtima kwa munthu aliyense payekha.

Kupanga Ndalama Zogulira Ndalama ndi Chinyengo

Kwa zaka zambiri, mipata ya malamulo inalola zinthu zomakula mofulumira monga Bull-Tsogolo, Pay-pal (BNP) kugwira ntchito kunja kwa malire onse a National Consumer Consumer Protection Act . Treasurer inatseka mpata umenewu mwa kugwiritsa ntchito BNP posankha BNP monga chinthu chongogulira zinthu, kufuna kuti zipereke ndalama zoyendera ku Australia ndi kuchita zinthu zodalirika zopimira. Kuyamba kumeneku kumateteza osoŵa otetezeka pa ku ngongole pamene akusunga maziko a ntchito yapadera. Simultavia, Khomwe likugwiritsa ntchito SCCSmas Palame, zimene zimakhazikitsa malamulo a ku mabanki, zikole, ndi mapulogalamu a pulogalamu kuti adziŵe, kusokoneza, ndi kuyankha mwachinyengo ndi kuchita zinthu zachinyengo.

Kupanga Kapangidwe Kabwino Kotsatira Makompyuta

Kusinthika kofulumira kwa ma copyrencrenic, ma servosition, ndi ndalama zoyenerera (Defi) zapereka magule padziko lonse ndi chitokoso chachikulu. Treasury yatenga njira yothandiza, yogaŵidwa, yoikidwa, yoyambirira, kuyang'anira zinthu zamakono. Phase Amaphatikizapo kukonza njira yopangira ma anyezi a ASlatforms (masinthidwe ndi a a a a Office), kufunikira kuti iwo akumane ndi malikulu ochepa, kusunga, ndi miyezo youlutsira. Pa Fase akusumika pa kuyang'anira malo osungira zinthu za mtengo pansi pa ulamuliro wosintha wa CCCC. Bungwelo likuyang'kanso pa kutulukira za ku kayendedwe kapikitale ya za ndalama za ku Australia.

Kutsatira Kusintha Komaliza kwa Ziphunzitso za Kusintha

APRA, ndi woyang'anira Treasury, akugwiritsa ntchito miyezo ya Basel III yotsala. Mbali yaikulu ya kusintha kumeneku ndi kuyambika kwa “chipinda chapamwamba,” chimene chimaletsa mabanki kugwiritsira ntchito zithunzi zoika moyo pangozi kuti aŵerengere zofunika za maliro zotsika kuposa za maziko a kampani. Zimenezi zimachepetsa kuopsa kwa mamalikulu ndipo zimawonjezera kuchuluka kwa malamulo a malire m'mabungwe. Ndalama zimachirikiza njira zimenezi pamene zikulimbitsa mphamvu ya kusungitsa ndalama ndi kuchirikiza chuma panthaŵi ya mavuto, kulimbikitsa kukhazikika kwa dongosolo la zachuma.

Kumanga Masanja Omanga Manda (AML)

Khate ya boma la AML / CTF ikukonzanso kwambiri ulamuliro wa AML / CTF kuyambira pamene inayamba. Masinthidwewo adzawonjezera bungwe lolamuliralo kuti litenge “mabungwe awiri, kuphatikizapo oimira malo, maloya, ndi oŵerengera ndalama, kutseka mpata waukulu m'malamulo a zachuma a Australia. Kuwonjezera apo, dongosololi likupangidwa kuti lithe kufotokoza mwachindunji kuopsa kwa ndalama ndi uchigawenga wogwirizana ndi zinthu zamakono ndi makompyuta ndi maatomu, kutsimikizira kuti akutsatira miyezo ya FATF, kuphatikizapo “Ulamu wa Tral.

Kuwonjezereka kwa Ngozi ndi Kuvuta kwa Zinthu

Kukula kwa Kuloŵana kwa Ndalama Kopanda Makampani

Pamene mabanki amwambo akuyang'anizana ndi malamulo okhwima, obwereketsa opanda mabanki (obwereketsa ndalama, obwereketsa ndalama, mapulatifomu a ausinkhu waowa) atenga mbali yomakula ya malonda a ngongole . Pamene kuli kwakuti mabanki ameneŵa amalimbikitsa mpikisano, iwonso ali ndi ngozi chifukwa chakuti samakhala ndi malamulo a likulu limodzi ndi kuchuluka kwa ndalama zimene zimaperekedwa ndi obwereketsa. Ndalama, limodzi ndi APRIA ndi RBA, zikuyang'anitsitsa kukula kwa mbali imeneyi. Vuto ndilo kukhazikitsa lamulo limene limachepetsa kuopsa kwa kubanga kwa mthunzi popanda kupikisana kumene kuli kokhala ndi obwereka ndalama zambiri.

Kudalirana ndi Kuyesayesa

Kusintha kwa zachuma kwawonjezera kwambiri njira zoukira anthu opanga mafilimu oopsa. Kuchitika kwa pa Intaneti pa bungwe lalikulu la zachuma kapena msika wovuta kwambiri kukhoza kuchititsa kuti zinthu zikhale zogwirizana ndi dongosolo la zinthu. Khoma la zachuma likuchititsa kuti bungwe la zachuma lipitirize kukonza zinthu ngakhale pamene makampani ayamba kuukira boma.

Mavuto a Zachuma Akutha

Kusintha kwa nyengo kumabweretsa ngozi zonse ziŵiri (kuwonongeka ndi nyengo yoopsa) ndi maupandu a kusintha (kukhazikitsa kutsata chifukwa cha kusinthika ku chuma cha macarbon otsika). Treasurer yakhala ndi mbali yaikulu m'kukonza mafashoni a zachuma a Australia. Zimenezi zimaphatikizapo kuvumbula kwabwino kwa nyengo kokhudzana ndi nyengo kozikidwa pa miyezo ya kampani yaikulu ndi zigwirizano za ndalama. Mwa kufuna kuti mabizinesi azikhala ndi mabizinesi oyenerera, Tribikire cholinga cha kuwongolera kuwala, kuletsa kubiritsa, ndi kutheketsa mabanki kuti athere bwino ndi kuyang'anira ngozi za nyengo. Zimenezi zimachirikiridwa ndi chitukuko ndi kusintha kwa bungwe la Australian Chabina cha zachuma cha za Stockhomesmony .

Kufufuza Nzeru Zopanga Malonda

Kugwiritsira ntchito kowonjezereka kwa kuphunzira AI ndi makina pochita mautumiki a zachuma . Chifukwa cha kutsendereza, kutulukira kwa ngongole, uphungu wodzisankhira, ndi malonda a shamjansi . Zifukwa zatsopano za kuvuta kwa malamulo. Nkhani za kukondera, zachinsinsi, chitsanzo, ndi kuŵerengera mlandu wa zosankha za kudziimira ndizo zofunika kwambiri kukambitsirana kwa ogula ndi kuletsa ngozi za dongosolo la zinthu ku ASIC ndi Ofesi ya Australia ya Undustrity (OIC) kuti ikulitse njira yopezera njira ya kuyendetsa zinthu za Ufulu m'zachuma. Cholinga ndicho kuletsa kupambana kwa AIP pamene akutsimikizira kuti ogula bwino ndi kupeŵa ngozi za dongosolo la kayendetsedwe ka zinthu kuchokera ku makompyuta.

Malangizo Abwino Okhudza Ndalama Zamtsogolo

Kugwiritsa Ntchito Njira Yosinthira ndi Yothandiza Kusintha Agenda

Chitsogozo cha Treasurer cha m'tsogolo chimazikidwa pa kukonza zinthu zimene zimalimbikitsana ndi bata. Izi zimaphatikizapo kugwiritsa ntchito maluso a zasayansi a oyendetsa makompyuta (Regtech) kuti atheketse makampani ambiri kugwiritsa ntchito njira zopangira zinthu zoyendera zinthu ndi zoyendera. Ashed Reguraltation Data Platform yomwe ikupangidwa ndi ASIC ndi APLA idzakhala yothandiza kuti zinthu zolembapo, zopezeka kaŵirikaŵiri, zomwe zimathandiza kuti zitheke kuyang'anira zinthu zimene zikubuka ndi ngozi.

Kugwiritsa Ntchito Njira Zovomerezeka za Ndalama (CDR)

Consumer Data Right, yomwe poyamba inatsegulidwa m'banki (Open Banking), ikufutukulidwa pa zachuma. Treasury iona CDR kukhala maziko a maziko a maziko a kupititsa patsogolo mpikisano ndi kukonza zinthu zatsopano. Mwakupatsa ogula ufulu wa kutumiza chidziŵitso chawo pakati pa makampani autumiki, CDR imafuna kuchepetsa mtengo wosintha ndi kutheketsa kupangidwa kwa mautumiki aumwini. Mtsogolo mwa Openhouse Ndalama idzatsegula miyambi ya mafashoni atsopano a bizinesi, ndipo Khirisitale ikusumikidwa pa kutsimikizira maluso autumikiwo, kusungidwa, ndi kusungika ndi miyezo ya chidziŵitso yapadziko lonse.

Kulimbitsa Ubwenzi wa Padziko Lonse ndi Kukhazikitsa Malamulo

Pamene miyezo ya dziko lonse ya zoyendera isintha ndi "kuyendetsa zinthu zamakono, AI, kulimba kwa thupi, ndi kuopsa kwa nyengo . Australia ndi yodzipereka kukhala mawu ogwira ntchito m'mayiko osiyanasiyana. Treasurer ikulimbitsa mapangano ogwirizana ndi anthu apadera ku dera la Indo-Pacial . Njirayi imaphatikizapo kuyang'anirana kwa maulamuliro a boma pamene kuli kotheka, kuchepetsa mtengo wa makampani ogwira ntchito ku malire a dziko. System System ya za Ndalama Assesment nthaŵi zonse zazindikira kulimba kwa dongosolo la Australia, ndi zolinga zake zomanga maziko a dziko lino.

Kusunga Kulinganizika Kokulirapo Pakati pa Kusintha ndi Kukula

Chofunika kwambiri kwa Treasurer ndicho kutsimikizira kuti kuchuluka kwa masinthidwe sikumakhala kuyesayesa kosafunikira pa kukula kwa chuma. Pali kuyesayesa kwanzeru kubwereramo pambuyo popanga masinthidwe aakulu (monga FAR ndi DDO) kutsimikizira kuti iwo akukwaniritsa zolinga zawo popanda kulinganiza mtengo wokwera. Ndalama imafuna kusunga dongosolo lokhala ndi malamulo ozikidwa ndi okhoza kusintha malinga ndi maluso atsopano a zamalonda, mmalo mwa kukhazikitsa malamulo okhwima amene asintha mwamsanga. Kulinganiza kumeneku nkofunika kwambiri kuti asungire mbali ya zachuma ndi ya kupikisana.

Kumaliza

Makonzedwe a Khate ya Australia yokhazikitsa malamulo a zachuma amaimira kulabadira kwakukulu ndi kogwirizana ndi malo ozungulira ovuta. Maziko anayalidwa ndi maphunziro a Royal Commission, imene inasintha kuti ikhale ndi mlandu weniweni ndi kugula zinthu. Pa maziko ano, Kbanki ikumanga nyumba zatsopano kuti iyang'ane ndi mipata ya zachuma, kuopsa kwa Intaneti, ndi kusintha kwa nyengo. Mwakugwirizanitsa APRIC, ASBA, RBA, ndi matupi a mitundu yonse, Kayendedwe a zachuma akukonza njira yolimbikitsira, yolungama, ndi yamphamvu. Vuto lopitirizabe lidzakhala la kusunga lisungiro limeneli, kuteteza malamulo popanda kukonza zinthu, ndi kuyendetsa ndalama kuti apitirizebe kukonzanso za ku Australia.