Table of Contents

Hurumende yeAustralia inomira sechinhu chinokosha mukuumba mugariro wemari nezvemari wenyika. Sezvo mupi zano wehurumende wezvemari anotungamirira, Treasurer inogovera zano kuHurumende nemibato yemiitiro nemiitiro kuti iwane miuyo yakasimba neinotsigirwa yezvemari nemitemo yeAustralia. Basa rayo mukukudziridza mitemo yemari inobudirira rinoumbwa mumarudzi akawanda, purogiramu yemiitiro, kuranga, kutungamirira, uye nhevedzano yamarudzi ose. Kunzwisisa kuti Hurumende inoshanda sei uye miitiro inoshandiswa nayo kuparira mipimo yemari inosimba kuparira kusimba rakawanda nokuda kwomunhu upi noupi anofarira kutera kutera mberi nokwenyuko.

Chibvumirano Chemari yeAustralia

Hurumende yeAustralia inoshanda pakuwiriranisa mamiriro ezvemari, kudzorwa kwemari, uye kudzorwa kwemari. Treasury inokarira nenzvero dzemiitiro yetsika nemirau yose yemari, inonzwisisa hurumende nemigariro inoisa njodzi, uye inokurumidza kugamuchira zvinoitika zvinochinja nenhungamiro. Uku kusvika kwakakwana kunovimbisa kuti mirau yemari haisimudzirwi mukuparadzaniswa asi inobatanidzwa panzvimbo pezvo mugadziriro dzoupfumi dzakakura.

Mabasa Makuru Mukugadziridza Mari

Mitoro yeVhingi muchikamu chemari yakakura uye yakabatana. Izvozvi zvinobatanidza kugadzira miitiro yemari inosimudzira kukura kwemari kunotsigirwa, kutanga gadziriro dzinoita kuti kutendeseka kwemari kuvepo, kutarisira mari yehurumende uye ndyiko, kutarisira mitemo yemitero, uye kuvimbisa gadziriro dzokudzivirira vakasimba kwevatengi mumabasa emari.

Mumapurani okugadzira zvinhu eAustralia, mitoro yokudzikamisa upfumi inogoverwa mumasangano mana makuru muAustralia – RBA, Prudial Regatence Authority (APRA), Sacurities and Investicements Commission (ASIC), uye Treasury, iyo inobatanidza Council of Financial Regallators (CFR). Chirongwa ichi chinoshanda pamwe chinovimbisa kuti kufambira mberi kunobetserwa nounyanzvi hwakasiyana - siyana uye pfungwa.

Hurumende ndiyo ine mutoro wokurayira Hurumende pamusoro pedzikamo yemari, kubatanidza pagadziriro yemiitiro yemari, mhinduro dzemiitiro kuti ibetsere kuderedza tapuro yezvinetso zvemari, uye tsigiro ipi neipi iri madikanwa yeHurumende muzvisarudzo. Iyi nzvimbo yebasa senyanzvi yezvokuronga mamiriro ezvinhu eAustralia ezvemari, kushanda pamwe chete navadzori vamasangano kuti vashandurire zvinangwa zvemiitiro mugadziriro dzinoshanda.

Kuwirirana Nevatungamiriri Vezvemari

CFR isangano guru rinobatira pamwe nokuda kwavakuru vakuru vemari veAustralia uye rinodzorwa naGavhuna weRBA, anobatira pamwe nokubatira pamwe mumativi esangano, nedonzo gurusa rokusimudzira kutsigika kwegadziriro yemari yeAustralia uye kutsigira mirau inobudirira neinoshanda. Iyi gadziriro yokuronga inovimbisa kuti kusimudzirwa kwemiitiro yePUSA neASIC zvinowirirana nebasa rokushanda uye nenzwisiso yevatarisiri yeAPLA.

APRA inonangidzira ngwariro pakudzora kwokuchenjera kwemabhangi, varendi vemishuwarenzi, uye mari yemipindu, nepo ASIC ine mutoro wokutarisira, kudzora nokusimbisa makambani namabasa emari, uye kusimudzira perero yemisika nedziviriro zvemari murutivi rwemibato yemari. Basa revezvokutengeserana rinobatira masangano iwaya kupfurikidza nokutanga miitiro inonyanyoshanda mukati mawo.

Kufambira Mberi Kwokutungamirira: Kubva Pakufungwa Kuenda Pakushandiswa

Kukudziridza mitemo yezvemari inobudirira kunoda mutoo wakarongwa unodzikamisa zvinangwa zvakawanda: kudzivirira vatengi, kuchengeta dzikamo yemari, kusimudzira zvitsva, kuva nechokwadi chemakwikwi amarudzi ose, uye kusimudzira miitiro yebhizimisi inotarisirwa zvakanaka.

Kuziva Ngozi Dzinowedzera Nezvokutanga Zvemitemo

Nhano yokutanga mukufambira mberi kwegadziriro inobatanidza kuziva ngozi dziri kumuka, zvinoitika zvemisika, uye miganhu yemiitiro inoda kutungamirirwa nenhungamiro. iyi inonongedzera kumanyuko akawanda amashoko, kubatanidza mashoko okunzvera anobva kuvatarisiri, kufambira mberi kwemiitiro yepasi pose, nzvero yedzidzo, kutsinhirana kwemaindasitiri, uye kuongororwa kwemiitiro yokugadzikana kwemari.

Kuwedzera kujeka nokushandira pamwe, Regural Initives Grid (RIG) inowedzera kujeka kwokuchinja kuri kuuya kwenzvimbo yezvemari uye inosimbisa kuvimbisana pakati pechikamu, Hurumende navakuru vakuru, kuronga zvinoziviswa uye zvakagadziridzwa zvichakanganisa mari mumakore maviri anotevera. Kutarira mberi kunobatsira vatori vemisika kugadzirira kuchinja kwetsika uye kugovera mikana yokuita kuti zvinhu zvitange kugadziriswa.

Kugadzirwa Kwemitemo uye Kuongororwa Kweuchapupu

Kana pangova neurongwa hwokutungamirira, Vezvemari vanoongorora mitemo yose kuti vagadzirire nzira dzakakodzera dzokuita zvinhu.

Gadziriro yegadziriro inosimbisa kuita ufakazi hunotsigirwa nokuita zvisarudzo. Vezvemari vanowana nzvero yezvemari, mirau inonzvera, uye kunzvera mashoko kuva nechokwadi chokuti mirau inokarakadzwa sezvingabvira ichasvitsa zvinangwa zvayo zvakarongwa pasina kuparira mitoro isina kufanira yokuteerera kana kuti miuyo isingakarirwa.

Kunzvera Kunonyandura

Kunzvera ikongidziro yemuitiro wekuumbwa kwegadziriro yeTreasur. Kondirakiti inobatanidza nokubvunza pamurayiro nomutezo wemitero nokuda kweHurumende, uye iyi nzira yokubvunza inotambanudza mativi ose emirau yemari. Kubvunza kunobatira madonzo akawanda: kuunganidza nzwisiso dzinoshanda kubva kuvatori veindasitiri, kuzivisa zvinetso zvingabvira, kuvaka tsigiro inodzivisa chinjo dzemitemo, uye kuvimbisa kuti mifungo yakasiana- siyana inoita gadziriro yemiitiro yokuzivisa.

Izvozvi zvinosanganisira mapepa okukurukura nevanhu anokumbira kuzviisa pasi panoitwa nevanhu vose vanofarira, kubvunzurudzwa nemapoka enyanzvi kana kuti makambani ebhizimisi, kukurukurirana kwakasiyana - siyana kunounza vatarisiri vemichina yakasiyana - siyana, mutemo wemitemo unoita kuti pave nourongwa hwakakwana, uye kukurukurirana nemapoka epamusoro evatengi.

Kudzika kwerangariro kunogona kuva kukuru. Somuenzaniso, kuzviisa pasi 91 kwakagamuchirwa nokuda kwokunzvera kwechiratidzo chemapu, kuchiratidzira kuvimbisana kune revo pakubuda kwenhau dzokuva mudare. Nenzira yakafanana, kuzviisa pasi 165 kwakagamuchirwa mudanho rokutanga rokubvunza nokuda kweChikamu cheChinetso cheMagazini, nedzinenge 120 dzinogamuchirwa mudanho rechipiri.

Mitemo Inodzokororwa Yakavakirwa Pazvokudya Zvinodyiwa

Pashure pekurukurirano, Nzvimbo yeHofisi inonzvera nokungwarira mhinduro yezvikarakadzo zvokugadziridza. Iyi nzira yokushandisa inowanzobatanidza mativi akawanda okubvunza, zvikurukuru nokuda kwechinjo dzakaoma kana kuti dzenharo. Kondirasi inoyera fariro dzinokwikwidzana, inoyera kuva kwechokwadi kwezvinoshuviwa, uye fungidziro dzinodzorwa kupedza nhau dzapamutemo apo inenge ichichengeta zvinangwa zvehwaro.

Gadziriro yokunatsa inoratidzira kuzvipira kwevezvokushandisa, kushandisika. Somuenzaniso, mukukudziridza mipimo yokutarisira ngozi, vadzori vakaita gadziridzo dzinokosha dzakavakirwa pawirirano yeindasitiri, kubatanidza kugovera mitsetse yapanguva yaparidzirwo nokuda kwemasangano akati kuti uye kuisa ngwariro pazvinodikanwa zvinoteedzerwa panzvimbo pemiitiro yakanakisisa yeshuvo.

Kubudirira Kwomutemo Negadziriro Yeparamende

Kana gadziriro yomutemo yangoitwa bedzi, mitemo yeTreasureal commistry inoita kuti pave nechinjo dzokuchinja. Ikoku kunobatanidza kushandura zvinangwa zvemitemo kuva mutauro wapamutemo wakananga, kuva nechokwadi chetsinhirano nemitemo iripo, uye kugadzirira zvinhu zvinotsanangura nokuda kwokurangarira paparamende. Muitiro wemitemo unogovera mikana yokuwedzera yokunzvera kupfurikidza nokuteerera kwedare reparamende nenharo.

Mienzaniso yemisi ichangobva kupfuura iyi yebasa remitemo reTreasury reTreasurel Laws Amendment (Zvemarical Market Infractive and Externations) Bill iyo inotanga chinjo mbiri dzinokosha: zvinodikanwa zvokuraira kushuma mugariro wokunze nokuda kwamakambani makuru namasimba matsva kuti vadzorerwe vadzori vemitengo yemari yeAustralia muchinoitika chenjodzi.

Kushandisa Tsigiro Nokuongorora

Kudzika mitemo inoshanda hako.

Zvinodikanwa zvinotanga mukusvika kwakarongwa, kutanga 1 January 2025 nokuda kwokuziviswa kwezvinoitika zvomugariro wokunze, kuchienzanisira kuti gadziriro dzeZvoupfumi dzinoshandisa sei kubvumira masangano kuti ave nenguva yokutanga gadziriro nemiitiro zviri madikanwa.

Kutanga Kutungamirira Kwemisi Ichangobva Kupfuura Nokuchinja Zvinhu

Nzvimbo yokuronga mamiriro ezvemari yeAustralia iri kuramba ichichinja kugadzirisa ngozi dzinomuka nemikana.Vhizha rave riri pamberi pezvirongwa zvinokosha zvakawanda zvokutungamirira mumakore achangopfuura, zvichiratidza nzira yaro yokushandisa pakudzora mari.

Kuzvidavirira Kwemari Kunoderera

Financial Accouncication Regime Act 2023 yakasuma hurumende imwe yokuzvidavirira nokuda kwamasangano ose eAPLA-aunder, kubatanidza mabhangi, maresitorendi neanovigirwa zvikuru, anoda kudzorwa kwakananga nokushuma mitoro. Iyi hurumende inomirira chinjo huru mukuumbwa kwekuzvidavirira mumitezo yemari.

FAR anoisa mutoro wakasimbiswa nokuzvidavirira zvakarongerwa kuvandudza tsika dzinodzora njodzi dzemasangano eAPLA-aunder, vatungamiriri vavo, uye vakuru vakuru vazhinjisa, achishandisa zvimwe zvezvikarakadzo zvakapiwa ne2019 Trist Report of the Royal Commission in Mispecieting muBanking, Supernuation and Financial Service Industry. Izvi zvinoratidza kuti Kmendi yemari inoshandura sei zvidzidzo kubva mukusazvibata kwekodhesi kuva kuchinja kwekongiri kuva.

Mari Yakabviswa Mumamiriro Okunze

Vachiziva ukoshi hunokura hwengozi dzemari dzine chokuita nemamiriro okunze, Vezvemari vakatanga zvinodikanwa zvakawanda. Treasur yabudisa mutemo webvumirano nokuda kwokuziviswa kwemigariro yemari inowirirana nemamiriro okunze, kwakavakirwa pamipimo yeIFRS ISSB, kuti itange kubva mugore remari 2026 nokuda kwemasangano makuru emari uye inotambanukira kuvamwe nenzira inofambira mberi.

Mitemo mitsva inogadza gadziriro yengozi yeAustralia yemamiriro okunze, kubatanidza kutangwa kwemipimo inoshuma munyika yose neAustralian Accouncing Standards Board. Iyi nzira inovimbisa kuti zvinodikanwa zvokuzivisa zviri mutsinhirano nemipimo yamarudzi ose, zvinova nemhesano yemitemo yemichinjikwa yemicheto yemicheto yenyika yose.

Kugadzirwa Kwemadhigirii Nokuwedzera Kuda Kushanda

Kukura kunokurumidza kwezvinhu zvemitengo negadziriro dzemitemo kwakada Treasurenda itsva chose chose. Digital Asset neTokentened Leavetion Platforms Bill 2025 dzinosuma mapoka matsva maviri emibato inodzorwa: Asset Platforms (DAP) naTokensived Religion Baclean Platforms (TCP), neDAPS inoda kuisa mankwikwidza, kudzora kana kuti kuendesa bhizimisi mumichina yeAustralia, nepo TCPCP dzichadzorwa pakugovera kokwateshina, zvikwama kana kuti mabasa okudzikinura zviwiro zvakabatanidzwa nezvitambiso zvemichina.

Uku kugadzirwa kwebumbiro remitemo kuenzanisira mutoo weTreasury kuruvara rwemichina inobuda: kugadzira gadziriro dzakafanira nokuda kwedonzo idzo dzinobata nengozi dzakati apo dzinobvumira kutangwa kupfuurira. Vemitengo inotsvaka mhinduro kubva kuvagadziri vemiitiro yemiitiro yokuzivisa idikanwo, inoziva donzo revatengi uye tsva nzira youshamwari kukubudirira kwetsika.

Kubhadharwa kwegadziriro yetsika yazvino uno

Treasury yave ichishanda kugadziridza gadziriro yokubhadhara yeAustralia kuti iratidzire chinjo dzeruzivo rwemiitiro yemari nemienzaniso mitsva yebhizimisi. Chinjo dzinokosha dziri kufambira mberi zvino mukati meminamato yemari yeAustralia, kubatanidza pasi peMitemo yeTreaty Laws Amendment Bill 2025 (Digal Assets na Tokentidentivegation Platforms) uye System Modernification Bill 2025.

Vezvemari vanokarakadza kushandisa zvinodikanwa zvokubhadhara mwedzi 18 pashure pokunge mutemo waitwa, vachigovera vatori rutivi vemaindasitiri vane nguva yakakwana yokugadzirira misengwa mitsva yokutarisira.

Kudzivirira Kuchinja Kwezvikwereti Zvevatengesi

Treasury inopfuurira kuwedzera dziviriro yavatengi mumisika yechikwereti. Nzvimbo yeAustralia yakabudisa pasuru yokubvunza iyo yakabatanidza Mabhiri erongedzero eLow-Cost Crent Contracts (LCCC) naBunga Zvino, Pai Gare gare (BNPL) chinjo, dzakagadzirirwa kupa dziviriro yevatengi yakavandudzwa kupfurikidza nokudzora mashoko nemigariro umo vagoveri vanogona kupfavisa izvi zvinhu zvemari.

Idzi chinjo dzinoratidzira kupindura kwevezvokutengeserana kumiitiro yokutengesa. Tenga Zvino, Paka Miripo Yapashure yakura nokukurumidza mumakore achangobva kupfuura aya, uye Treasur yakabva yatanga kuva nechokwadi chokuti vatengi vanoshandisa aya mabasa vanogamuchira dziviriro dzakakodzera pasina kuvandudza kunodzvinyirira mune iri divi.

Kushandisa Mari Nemagandanga Kunorwisana

Anti-Mari Launding and Counter-Trorssing Finansping Act 2006 inoramba ichitsigira kuwirirana kweAML/CTF, nokuchinja kwaTranche 2 kunotambanudzira upamhi hwayo kugweta, vatarisiri vemaakaundi uye vamiriri venzvimbo. Uku kuwedzera kukurukura mikaha mirefu yakamira muAustralia yeAML/CTF uye kusvitsa Australia muwirirano yemipimo yamarudzi ose yakagadzwa neFose Age Act Table Stace Force.

Paramende yakapfuudza Anti - Mari Launding and Counter - Trorism Finansting Amendment Bill 2024, ichiita chinjo huru kuhurumende yazvino uno yeAustralia yeAML/CTF mutsinhirano nemipimo yamarudzi ose, nechinjo dzakarongwa kutanga pana 31 March 2026.

Kudzikamisa Kugadziriswa Kwezvinhu uye Kutarisira Ngozi

Rimwe ramabasa akaoma zvikurusa nderokudzikamisa kusimudzirwa kwemisiano yemari nokutarisirwa kwengozi kudzikamo yemari nedziviriro yavatengi. Uku kudzikama kunokosha zvikurukuru mukubatanidza nzvimbo dzinokurumidza dzakadai sechinetso, zvinhu zvemichina, uye kukweretesa.

Kutsigira Kuvandudza Mari

Vezvemari vanoziva kuti kuvandudza zvinhu kunoita kuti pave nokubudirira mune zvemari, kunovandudza kuva nechokuita nemari, uye kunowedzera kusarudzwa kwevatengi.

CDR yeCHEMINISHO yeCHENGETA ichawedzera kujeka kwemashoko muvakweretesi vasiri vapamahomwe, ichivandudza makwikwi noutariri. Consumer Data Right inomirira mutoo mutsva wekushandiswa kwamashoko uko kunopa simba vatengi apo vanenge vachigadzira mikana yevatengesi vatsva.

Vadzori vanobvuma kuti AI anogona kugona kupfuudza paanenge achinangidzira ngwariro pakudzora uye migumisiro, neASIC’s Corporate Plan 2024-2028 inozivisa AI sechinhu chinokosha chakafanira. Uku kutarira mberi kunovimbisa kuti gadziriro dzokutungamirira dzinova dzekuchinja pamwe chete nezvinoitwa neruzivo rwokugadzira zvinhu.

Kudzora Ngozi Dziri Kuwedzera

Nepo achitsigira kutanga zvinhu zvitsva, Vezvemari vanofanira kuziva uye kugadzirisa ngozi dziri kumuka vasati vatyisidzira kugadzikana kwemari kana kuti kukuvadzwa.

Mumitemo mitsva, vadzori vakawedzera masimba kuti vatarisire ngozi dzemari, kubatanidza masimba okupedza njodzi panzvimbo inochengeterwa zvivako zvinochengeterwa zvinhu.

Majecha Anodzora uye Kusvika Kwakanaka

Vezvemari vakatsigira kushandiswa kwemabhokisi ejecha anodzora uye mamwe mashandiro anobvumira kudzorwa kwezvigadzirwa zvitsva namabasa. Kushandisa izvi kunoita kuti vadzore mashandiro anoita mabhizimisi matsva asati aita masangano akarongwa.

Nokuda kwamarudzi akati esangano nemibato, Treasurer yakatanga mitoo yokutungamirira iyo inoisa zvinodikanwa zvinowirirana nengozi dzinopiwa. Ikoku kunovimbisa kuti masangano maduku kana kuti akaderera haasati achidzorwa nemitoro yokuteerera isingadzoreki apo achichengeta tarisiro yakafanira yamasangano anokosha nenzira yakarongwa.

Kugadziridzwa Kwenyika Dzose Nokurongwa Kwomuchinjikwa

Misika yezvemari iri kuwedzera kuwedzera munyika yose, uye kudzora mari kunobudirira kunoda kuti nyika dzose dzibatane.

Kubatanidzwa Nemitumbi Yamarudzi Ose Yakagadzirwa

Vezvemari vanotora rutivi nokushingaira mumitemo yenyika yose iyo inosimudzira mipimo yemipimo yezvemari, kubatanidza Financial Stability Board, Basel Committee on Banking Superference, International Organization of Sectureties Commissions, uye Financial Action Task Force. Uku kuvimbisa kunovimbisa kuti mirangariro yeAustralia izivise mipimo yamarudzi ose uye kuti Treasurence inoramba ichiziva nezvezvinoitika zvenyika yose.

Gadziriro yekuzivisa mugariro wokunze weAustralia inoratidzira uku kurongeka kwamarudzi ose. Kupfurikidza nokuvaka zvinodikanwa pamipimo inochengeteka yeIFRS, Vekicha inovimbisa kuti masangano eAustralia anogona kusvitsa zvose zviri zviviri kariro dzokushuma kwemhuri nedzenyika yose, kuderedza ndyiko dzokuteerera nokuderedza kuiswa kwemicheto yemicheto.

Kutarisira Nhau Dzokutungamirira Muchinjikwa

Rudzi rwemibato yemari yenyika yose runoparira denho dzakaoma dzemitsetse mizhinji. Vezvemari vanoshanda kupedza idzodzi kupfurikidza negadziriro dzebatira pamwe dzebhikata nedzemitengo yakawanda, zvibvumirano zvokubvumana, uye mitoo inotsinhirana.

KURAPA kwakawedzera kwevanotarisira mari vokune dzimwe nyika kubva pachinodikanwa chokuva nerezinesi remari reAustralia kweimwe mwedzi 12, zvichiratidza kuchinja mukudzora zvinodiwa zvitsva zvokuchinja makambani epasi pose.

Kunyengera Kunoiswa Mubhizimisi Munyika Yose

Mitemo yemari yakasanorongwa inowedzera kunaka kweAustralia senzvimbo inoendeswa mari kupfurikidza nokuratidzira mhoteredzo yakachengeteka, inoratidzirwa, uye inosanosatsakanura yemari. Basa rokutungamirira revezvokugadzirwa kwemari rinorangarira kuti mitemo inotapura sei makwikwi amarudzi ose eAustralia namano okukwezva dzimbahwe.

Vavezi vemari vanokoshesa kujeka, kusachinjana, uye kuwirirana nemipimo yenyika yose. Kuzvipira kwevezvemari kubvunza, kuronga ufakazi, uye kurongeka kwemarudzi ose kunobatsira kuvaka chivimbo pakati pevavemi vemari munyika yose uye kutsigira kuti mari ipinde muupfumi hweAustralia.

Dziviriro Yemutengi Neperero Yezvokutengeserana

Kudzivirira vatengi uye kuchengetedza kuvimbika kwemusika ivavariro dzinokosha dzemitemo yemari. Basa rokubudirira kwevezvemari rinoisa simbiso huru pakuva nechokwadi chokuti misika yemari inoshanda zvakanaka uye kuti vatengi vanodzivirirwa patsika dzisina kunaka nezvigadzirwa zvisina kufanira.

Kusimbisa Dziviriro Dzevatengi

Treasur yakatanga nhano dzakawanda dzokutungamirira dzakanangidzirwa kukuvandudza dziviriro yavatengi mumabasa ezvemari.Idzi dzinobatanidza misengwa yokukweretesa ine mutoro inoda vakweretesi kuyera kukodzera kwevakwereti, kugadzirwa kwezvigadzirwa nemisengwa zvokuparadzira izvo zvinovimbisa kuti zvinhu zvinopinzwa kuvashandi vakafanira, zvinodikanwa zvokuzivisa izvo zvinogovera vatengi mashoko akajeka pamusoro pezvigadzirwa namabasa, uye gadziriro dzokugadzirisa dzinogamuchidzwa dzinogovera mishonga inowanika apo zvinhu zvinoshata.

ASIC inotarisira zvinhu zvine ngozi zvakakwana uye kudzora kwokukosana kwokungwarira kunyange uko masangano anoshanda kunze kwemurayiro wokuchenjera wegamuchidzanwa, achivimbisa kuti dziviriro dzevatengi dzinosvika mumativi ose evashandi vemari.

Kugadzirisa Kusazvibata Kwemari

Royal Commission in Misspecience in the Banking, Supeannuation and Financil Service Industry yakaratidza kukundikana kukuru mumufambiro wemari netsika. Treasury yave iri chishandiso mukushandura rumbidzo dzeRoyal Commission kuti dzive chinjo dzinodzorwa.

Mari yeKuzvidavirira Regime, kuputsa kushuma zvinodikanwa, masimba okutarisira akasimba zvikuru nokuda kwavatarisiri, uye mipimo yokudzora yakavandudzwa yose inobva pabasa reTreasury kuti ipedze zvisakiso zvikuru zvomufambiro usina kururama zvinoziviswa neRoyal Commission.

Kusimudzira Kuperera Mumusika

Misika yakanaka neyakanaka inoda gadziriro dzakasimba dzekuperera.Chengeta chinoumba mitemo iyo inotungamirira kumitengo inodzorwa, kutengesa, kusawirirana kwefariro, uye mimwe miitiro inosekesa kutendeseka kwemisika. Iyi mitemo inoshanda mukuwirirana nenzvero yemisika yeASIC uye mibato yokudzika mutemo kuti ichengete chivimbo mumisika yemari yeAustralia.

Kurangarira Mari Nemari Zvinotsigirwa

Nharaunda, nzanga, uye kudzora (ESG) zvazova zvinokosha nenzira inowedzera mumitemo yemari. Vezvemari vave vachitanga gadziriro dzakadzama dzokutsigira mari inotsigirwa uye kuva nechokwadi chokuti ngozi dzine chokuita nomugariro wokunze dzinotarisirwa nenzira yakafanira.

Kutarisirwa Kwengozi Yomugariro Wokunze

CPG 229 pamusoro pekutarisirwa kwenjodzi yemamiriro okunze inoda kuti mapoka arangarire ngozi dzemari dzine chokuita nemamiriro okunze serutivi rwegadziriro dzose dzengozi. Muitiro weTreasury unotsigira ikoku kupfurikidza nokugadzira gadziriro yakafara umo kutarisirwa kwengozi yemamiriro okunze kunoitika.

Ngozi dzemari dzine chokuita nemamiriro okunze dzinogona kutapura kugadzikana kwemari kupfurikidza nemikoto mizhinji: ngozi dzomuviri kubva kuzvinoitika zvemamiriro okunze akanyanyisa nokuchinja kwenhambo dzenguva refu, ngozi dzokuchinja kubva kunji kuenda kumari ine macarbon mashoma, uye ngozi dzinobva mumari inowirirana nemamiriro okunze. Gadziriro dzemitengo dzinova nechokwadi chokuti idzi ngozi dzinozivikanwa, dzinoyerwa, uye dzinotarisirwa zvakanaka.

Kushandisa Mari Kunochengetedza

Treasurer yakagadzira Sayenzi yeMari inoSinanisa yose iyo inogovera gadziriro yokupinza mari kumitengo inochengetedzwa. Nepo chikamu chavanhu chapachivande cheAustralia chakatungamirira mukupindura kumitengo yemari inotsigirwa, kune basa rakakomba nokuda kwezvirongwa zveHurumende mukuronga gadziriro dzakajeka dzemitemo, kutanga gadziriro dzinotsigirwa zvikuru dzemari, uye kuwedzera kuiswa kwemari yeCatalytic Commonweal kuti igovere misika yemari noujekeri, chivimbo namano izvo zvinoda.

Nzira yacho inosanganisira zvinhu zvakawanda, kusanganisira zvinodiwa kuti mamiriro okunze azivikanwe, mari inoshandiswa pakubhadhara mari, kuronga zvinhu zvakasvibira, uye kuronga kuchinja kwemamiriro ezvinhu.

Kudzivisa Kugeza

Masangano anofanira kuva nechokwadi chokuti murairo wemitengo yebhizimisi, zvokutengesa uye kushuma zvinowirirana mukati, neASIC rugwaro runotarisira kuratidza kuti kurangarira ESG kunosimbiswa mukudzora nokuita zvisarudzo, kwete kuratidzirwa bedzi mumutauro wokutengesa. Gadziriro dzedare dzinotsigira ikoku kupfurikidza nokugadza mipimo yakajeka nokuda kwezvirevo zveESG namashoko okuzivisa.

Zvinetso Mukuwedzera Kwemari

Kunzwisisa matambudziko aya kunoita kuti tinzwisise kuoma kwebasa revezvemari uye kudzikamisa zvinhu pakuronga zvinhu.

Kuoma Kunzwisisa uye Kushanda Nhamburiko

Kudzora mari kwazova kwakaoma kunzwisisa, kuchiratidza kuoma kwakaita kutengeserana kwemari kwemazuva ano uye kusiyana - siyana kwengozi dzinofanira kugadziriswa nevanodzora.

Vezvemari vanofanira kusanorangarira mutoro wokuteerera unoiswa nemirau mitsva ndokutsvaka kuderedza kuoma kwemitemo kusina kufanira. Ikoku kunobatanidza kushandisa mirau yakavakirwa panheyo apo kwakakodzera, kugovera nhungamiro yakajeka nemienzaniso, kuumba zvinodikanwa zvinowirirana nokuda kwamarudzi akasiyana - siyana amasangano, uye kuhwirudzura nguva dzose mitemo iripo yokuziva mikana yokuwana kugadziriswa.

Kufambirana Nokuchinja Musika

Mitengo yezvemari inochinja nokukurumidza, ichikonzerwa nokugadzirwa kwezvinhu zvitsva, kuchinja mafaro anoitwa nevanhu vaitenga zvinhu, uye mabhizimisi matsva.

Nhau inoshanda nokuda kwavakweretesi vasiri vapamuhombe idzikamisa kugadzirwa kwezvinhu kwakapfava nokuwirirana. Treasury inokurukura iyi denho kupfurikidza nehwirudzuro dzenguva dzose dzegadziriro, kuvimbisana navatori vemisika itsva, uye kudisa kugadziridza gadziriro dzokuchinja sezvo misika inochinja.

Kudzikamisa Fariro Dzemabhizimisi

Masangano ezvemari angaisa pakutanga kuva nechokwadi uye mari inotarisirwa kutevedzerwa, vatengi vanosimbisa kudzivirira kwakasimba nokuchengetedza, vanoisa mari vanotsvaka kubudirira uye kuoneka, uye hurumende inofunga nezvengozi dzemari nedzemari.

Kunzvera kwegadziriro dzemari kunobetsera kuziva nokushandisa idzi fariro dzinokwikwidzana. Zvisinei, zvisarudzo zvokutungamirira pakupedzisira zvinoda kubviswa kwakaoma pakati pevavariro dzinokwikwidzana. Basa revezvokutengeserana nderokuita kuti uku kushambadza kujekese uye kuva nechokwadi chokuti zvakavakirwa pakunzvera kunonzwika negadziriro yakajeka.

Kushandisa Nguva

Vapindi vapanze mumaitiro okunzvera vakaratidzira itiro hanya nenguva dzemiitiro yokunzvera, nokuronga nguva kwomuitiro pane dzimwe nguva kuchinjira kuganhurira mwero nechimiro chokubvunza zvinogona kuitwa. Chirongwa cheNzvimbo yokutarisira chinofanira kudzikamisa kudikanwa kwokugadziridza kunofanira kuitwa panguva yakafanira kuti zvibudise ngozi dzokunzvera kwakakwana uye nhambo dzokuita kwakakwana.

Kugadzirwa kwemakemikari kwakakomba kunosvika, gadziriro dzeyamuro, uye nhungamiro yakajeka inopfuuridzirwa zvinobetsera kupedza idzi denho. Grid yeReguateriatings inomirira mutoo mumwe wokugovera vatori rutivi vomusika nechiziviso chapachine nguva mberi chechinjo dzinouya.

Nguva Yemberi Yokudzorerwa Kwemari muAustralia

Kutarira mberi, miitiro inoverengeka nezvinoitika sezvingabvira zvichaumba basa rokudzora reTreasury mumakore anouya. Kunzwisisa idzi nhau dzinobuda kunopa nzwisiso mumugariro unochinja wemitemo yemari.

Kushandiswa Kwemadhigirii uye Kuchinja Kwemakombiyuta

Unyanzvi hwemakombiyuta hunoramba huchichinja zvinhu zvemari, kubva pakudzidza kugadzirwa kwezvinhu uye michina kusvika pakuparadzira ruzivo rwemadhigirii nemadhigi.

Mari dzemabhangi dzepakati, mari dzebhangi dzakavhurika uye mashoko okugoverana, kutengeserana kwemaatomu, kuchengeteka kwemakombiyuta nebutiro rekombiyuta zvose zvinomirira nzvimbo umo gadziriro dzemitemo dzichada kushanduka. Kusvika kwevezvemari kunhau idzi kuchatapura zvikuru kuti gadziriro yemari yeAustralia inokura sei muzera remitengo.

Kuchinja Kwemamiriro Okunze uye Kunochengetedza

Climate change will remain a central focus of financial regulation. As understanding of climate-related financial risks deepens and the transition to a low-carbon economy accelerates, regulatory frameworks will need to evolve to address new challenges and opportunities.

Zviitiko zvenguva yemberi zvingabatanidza kugadziridzwa kwegadziriro yokuchinja, kuziviswa kwezvemari kunowirirana nemusikirwo, kudzorwa kwemari inotsigirwa, uye kubatanidzwa kwemamiriro okunze kuva mirau yokuchenjera. Basa revezvoupfumi munharaunda ino richabetsera kuziva kuti gadziriro yemari yeAustralia inotsigira sei kuchinjika kumugariro wemari unochengeteka.

Kushanda Nemari uye Kugamuchirwa

Kufunga kuti vanhu vose vokuAustralia vanogona kuwana mari yakakodzera kunoramba kuri chinangwa chinokosha. Basa rezvokutungamirira revezvokugadzirwa kwemari rinowedzera kurangarira kuti mitemo inotapura sei kuva nechokuita nemari uye kana gadziriro dzokutungamirira dzichiparira mhinganidzo dzisiri madikanwa.

Izvi zvinosanganisira kufunga nezvezvinodiwa nevanhu vasingachengetedzwi, kuva nechokwadi chokuti dziviriro dzevatengi hadzibvisi vatengi vasina dziviriro pamabasa emari, kutsigira zvinhu zvitsva zvinoita kuti vawane mari yakawanda, uye kugadzirisa zvinetso zvokurega kubhadhara mari munzvimbo dziri kure nedzinogara.

Ruzivo Rwokugadzira Zvinhu Nezvigadzirwa Zvikuru

Ruzivo rwezvokutengeserana rwuri kuchinja kwete mabasa emari chete asiwo mitemo yezvemari pachayo.

Vezvemari vari kunzvera kuti ruzivo rwokugadzirwa kwezvinhu rungavandudza sei gadziriro kupfurikidza nokunzvera kuzviisa pasi kwemipimo, kunzvera ngozi yemijereve, kushuma chaikoiko kwenguva nokunzvera, uye mirau inoshanda mumichina. Izvi zvinoitika zvinogona kuchinja zvikuru kuti mirau yemari ishande sei mukushanda.

Kushanda Zvakanaka Kurerutsa

Mitemo inowedzera inongova bedzi nhano yokutanga; kuva nechokwadi chokuti isvike miuyo yakarongedzerwa kunoda kuongororwa nokurangarirwa kunopfuurira. Vezvemari vave vachishanda kusimbisa mutoo wayo wokuyera kushanda kwenhungamiro nokudzidza muruzivo rwokuzviwanira rwokushandisa.

Kuongorora Pashure Pekunge Apedza Kushandisa

Kuongorora pashure pekunge vapa mirayiridzo inoongorora kana mirayiridzo iri kuita zvinangwa zvayo uye kuti iri kuona migumisiro ipi neipi kana kuti migumisiro yaisarongwa. Kuongorora uku kunogovera mhinduro inokosha inogona kuzivisa kukura kwomunguva yemberi uye kuziva mikana yokuvandudza.

Zviitiko zvevevezvokushandisa pashure pekunge varonga, kuongorora ndyiko dzinodiwa, kubudirira mukusvitsa zvinangwa zvemitemo, migumisiro isina kurongwa, uye zvinoitika zvisingarongwi. Njere dzinobva muiyi nzvero dzinobetsera kugadziridza mitoo yokudzora uye kuvandudza kukura kwetsika dzomunguva yemberi.

Mashoko uye Uchapupu

Kuongorora kunoshanda kunoda mashoko akanaka. Treasurer inoshanda nevadzori vemitemo neindasitiri kuti ive nechokwadi chokuti mashoko akakodzera aunganidzwa kuti aone migumisiro inodzorwa. Izvi zvinosanganisira kuronga mashoko okushuma, nhamba dzezvokutengeserana, mashoko okunyunyuta kwevatengi, uye kuteererwa uye kuteererwa.

Kuvandudza kuunganidzwa kwemashoko namano okunzvera zvinowedzera mano evezvokugadzirwa kwemitengo inobuda, kuyera kushanda, uye kuita zvisarudzo zvemiitiro yakavakirwa paufakazi. Ikoku kunowirirana nezvirongwa zvehurumende zvakakura kuvandudza kuita chisarudzo chedata muboka ravose.

Kunatsiridzwa Kunopfuurira

Financial regulation is not static. Treasury maintains an ongoing program of regulatory review and refinement to ensure that frameworks remain fit for purpose as markets evolve. This includes regular consultation with stakeholders about regulatory effectiveness, monitoring of international regulatory developments and best practices, analysis of regulatory gaps and overlaps, and willingness to adjust regulations based on evidence and experience.

Kukosha Kwokuona Zvakanaka Uye Kuzvidavirira

Kuvimba nemitemo yemari kunotsamira pakuona zviri pachena uye kuzvidavirira pamaitirwo emitemo.

Bvunzurudzo Yapachena Nokubatanidzwa

Sezvambotaurwa, kubvunzana chinhu chinokosha pakufambira mberi kwegadziriro yegadziriro yeTreasurence. Nokugovera mikana yezvokutaurirana kwavose uye nokungwarira kurangarira mhinduro dzinopa chiteshi, Vezvemari vanovimbisa kuti zvisarudzo zvokutungamirira zvinoziviswa nemirangariro yakasiana- siyana uye nzwisiso dzinoshanda.

Imba yebhizimisi inobudisa mapepa okubvunza, masangano anogamuchira (pasina kuvanzwa), uye tsananguro dzokuti kupindura kwakapesvedzera sei zvisarudzo zvokupedzisira zvemitemo.uku kuoneka kunobetsera vaiti vaibetsera kunzwisisa kurongwa kwemiitiro yokutungamirira uye vanovaka chivimbo mumuitiro wokutungamirira.

Kudzorwa Kwenhungamiro

Kuongorora uku kunoongorora chinetso chiri kukurukurwa, kukurukura dzimwe nzira dzokuronga nadzo, kuongorora zvinodiwa uye kubatsira kwezvisarudzo zvakasiyana - siyana, uye kutsanangura kuti nzira ipi yokuita nayo chisarudzo ichi.

Kuongorora mitemo kunogovera gadziriro yakarongeka yokuongorora mutemo uye kunoita kuti pave nechinyorwa chavose chouchapupu uye zvisarudzo zvokufunga zvinotungamirira.

Kuongorora Kwepaparamende

Matare eParamende anoongorora mutemo unokarakadzwa, vakuru vakuru veveTreaty vanobvunzurudza nezvezvikarakadzo zvemitemo, uye anopa mikana yokuti zviitwe kuti zvizivikanwe nevanhu vanenge vakanganisa mari.

Treator inotsigira nzira idzi dzeparamende nokupa zvinhu zvinonyatsotsanangura, kuoneka pamberi pematare kuti apindure mibvunzo, uye kupindura zvinorumbidzwa nemadare.

Mhedziso: Mhindumupindu inofambira mberi yokudzorerwa kwemari

Basa reNzvimbo yeUnion yeAustralia mukukudziridza mitemo yezvemari inobudirira rakaoma, rakabatanidzwa, uye rinoramba richichinja. Kupfurikidza nemiitiro yokukudziridzwa kwegadziriro, kubvunza kukuru, kunzvera kwakavakirwa paufakazi, uye kuvimbisana kwamarudzi ose, Treasurer inoita gadziriro dzinosimudzira kugadzikana kwemari, dziviriro, uye kutsigira kukura kwemari.

Zvinetso zvinotarisana nemirau yezvemari zvinopfuurira kuchinja sezvo misika inova yakaoma zvikuru, ruzivo rwokugadzirwa kwezvinhu ruchichinja mabasa ezvemari, uye mikana mitsva inotanga. Kukwanisa kwevezvemari kugadziridza marongedzero emamiriro ezvinhu aya anenge achichinja uku vachichengeta nheyo huru dzedzikamo, kuperera, uye kudzivirirwa kwevatengi zvichava zvinokosha kubudiriro yemari yeAustralia.

Kudzikamisa mari kunobudirira kunoda zvinangwa zvakawanda: kutsigira kuvandudza apo kunenge kuchiita kuti pave nengozi, kudzivirira vatengi vachichengeta kushanda zvakanaka kwemipimo yamarudzi ose paunenge uchibata nemigariro yemhuri, uye kuisa zvinodikanwa zviri madikanwa apo unenge uchideredza mitoro inodzorwa. Miitiro yokubudirira kwevezvokutengeserana yakagadzirirwa kufamba neiri basa nenzira yakajeka, yakavakirwa paufakazi.

Kutarira mberi, Vezvemari vachapfuurira kugadziridza mitoo yayo yokutungamirira mukubuda kwezvinetso nemikana. Chinjo yemichina, kuchinja kwemamiriro okunze, zvinodikanwa zvevatengi, uye kufambira mberi kwemitemo yamarudzi ose zvichaumba nguva yemberi yemirau yemari muAustralia. Kupfurikidza nokuramba kunzvera, kunzvera, uye kugadziridza, mari inoshanda kuva nechokwadi chokuti gadziriro yeAustralia yemitengo inoramba yakasimba, ichishanda, uye yakakodzera nokuda kwedonzo munyika iri kuchinja nokukurumidza.

Nokuda kwamabhizimisi anoshanda murutivi rwemari, miitiro yokufambira mberi yokunzwisisa yeTreasury inopa nzwisiso dzinokosha pamusoro penzira iyo mirau inoumbwa nayo uye nzira yokubatanidzwa nayo nenzira inobudirira nekusimudzirwa kwemiitiro. Kuvatengi, inopa vimbiso yokuti mirau yemari inotangwa kupfurikidza nemiitiro yakakomba yakagadzirirwa kudzivirira fariro dzavo uye kusimudzira gadziriro yemari yakatsiga, yakarongeka.

Kuzvipira kweNzvimbo yeNzvimbo yeHurumende yeAustralia kumirau yezvemari inobudirira, kwakaratidzwa kupfurikidza nemiitiro yayo yokubudirira kwetsika inobatanidza zvose uye kuvimbisana kunopfuurira navachengeti vemitoro, kunobetsera kuva nechokwadi chokuti Australia inochengeta gadziriro yezvemari inobatira zvinodikanwa zveAustralia yose nepo inoramba ine makwikwi uye isingachinji muupfumi hwenyika yose.

Kudzidza zvakawanda pamusoro pebasa reUniversity yeAustralia nekurukurirano dzazvino uno, shanyira pawebsite yeTreasury [[FLT: 0]. Nokuda kwemashoko pamusoro pegadziriro yezvemari yeAustralia, Reserve Bank yenhau yeAustralia [ inogovera udzame huzere pamusoro pemabasa amasangano ehurumende akasiyana- siyana.