Gadziriro yezvemari yeAustralia ndiyo fambisero yebudiriro yayo yemari, inotarisira mabhiriyoni 4 emadhora muzvinhu zvebhangi uye dziva repenjeni rana rakawanda zvikurusa munyika yose. Kubatanidza dzikamo, perero, uye kururama kwetsika ino mutoro wakaoma, wakawanda, neFernal Treasurence inoshanda senyanzvi huru yegadziriro yayo yezvemari. Mukuchekerera [FLD:] Mitemo yeMitemo Royal Commission [[ uye pakati penyika inochinja nokukurumidza inorondedzerwa nomugariro wetsika wetsika, genetictic, uye syndstion, uye majeko, shongedzero dzenyika dzakaronda dzinova nemugadzirirwo. Urongwa ihwo hahuna kungogadzirirwa bedzi kuva nenzvimbo dzinovapo dzinobudirira kuchengetedza kugadzira kugadzira, kuchengetedzwa kwemari, kuchengetwa.

Treasurence inoshanda mukati me “Twin Peaks” modern, ichisanosongana neGuviti rePrumelweal Regation (APRA), iyo inotarisira chengeteko noururami hwamasangano ezvemari, uye Australian Securities and Investicements Commission (ASIC), iyo inomanikidzira mufambiro wemusika nokudzivirira kwevatengi. Council] yeMaritentation Reagellators (CFR)[FLT] [FFL:1] inoshanda sechinhu chikuru chebumbiro remibatanidzwa kwomugariro unowirirana, inoisa murairo wakabatana kunjodzi dzegadziriro. Nyaya inopa rondedzero yezvirongwa zvemari, kutanga, uye kutungamirira mamiriro ezvinhu enguva yemberi zvinorondedzera dare reAustralia.

Zvirongwa Zvakatungamirira Kuchinja Zvinhu

Kusimudzira Dziviriro Yevatengi Neperero Yezvokutengeserana

Financial Services Royal Commission, iyo yakagumisa mushumo wayo wokupedzisira wemari muna 2019, yakafumura kundikano dzapamitemo muzano, kukweretesa, uye kuronga mari. Mhinduro huru yeTreasury yave iri kudzorera “chiziviso chokutanga” mugadziriro. Ikoku kunobatanidza kusimbisa misengwa nerokuparadzira (DDO) nokuda kwemibato yemari, kuvandudza hurumende inoshuma kuva nechokwadi chomufambiro wakaipa uye kugadziridza nokukurumidza, uye kukudza masimba eFrantilance Cleants Authoritys (AFA). Chinangwa ndecho kuendesa mutoro kumakambani kuti vabvumikise kuti zvinhu zvavo zvakarurama uye mufambiro wavo wakarurama, uchibvisa panhau dzinotengwa kuti dzizivike nhau.

Kuchengetedza Utachiona

Kugadzikana kwemari chinodikanwa nokuda kwokukura kwemari kunochengetedzwa. Treasurer neReserve Bank yeAustralia (RBA) zvinoshanda zvikuru kunzvera ngozi dzegadziriro dzemitengo, kubatanidza kupfumbira kwedzimba, kusawirirana, uye kusabatana kwamasangano ezvemari. Macropritial faceal, yakagadzirwa naAPRIA, inobvumira kuganhurirwa kwemipimo yokukweretesa (g., zviteshi zvebasa) kutonhora pamisika inopfumisa. Donzo reCer pano nderokuvaka gadziriro inogona kukurira kuvhunduka kwakakomba. $8. $66, chikanganiso chemari munyika yose, kana kuti chinoitika chikuru chebumbiro remitero chinodikanwa kubhadhara mutero.

Kutsigira Mutsigiri uye Mutsinhano Wokubhanga

Gadziriro yebhangi yakasimba inokosha nokuda kwokupinza mari mumitengo inobereka zvibereko. Mabhangi makuru eAustralia akabatanidzwa zvikuru nemisika yedzimbahwe renyika yose. Treasury, kupfuudzira naAPRIA, iri kushandisa mipimo yokupedzisira yeCM Basel III yokuchenjera[, iyo inobatanidza uriri hukuru hwakasimba kudzivirira mabhangi pakushandisa mifananidzo yemonero kuti asashayise ngozi yazvo. Nhari ndeyokuva nechokwadi chokuti mwero yedzimbahwe iri yose iri yose iri muviri wakakwirira uye inomirira zvapachokwadi ngozi dzinotorwa. Panguva imwe cheteyo, Vhizha yokuchengeta makwikwi okumwe marudzi, kuvimbisa kuti murairo haudzivisi kuyerera zvisina kufanira kudzorwa kwechikwereti kana kutyaira mubato muchitsari.

Kuronga Kutungamirira Munyika Dzose

Misika yezvemari ndeyenyika yose. Dare reSangano reMari reMitemo yeNyika yose rinoita basa rokutora rutivi mukutevedzana kwemitemo yepasi pose, kubatanidza Basel Committee on Bank Superpect (BCBS), Financial Stability Board (FSB), uye International Organization of Secituraties Commissions (IOSCO). Kuyera miraudzo yeAustralia nemipimo yenyika yose inoderedza kudimburwa, kunopfavisa muganhu wemuchinjikwa wemitengo, uye kuvimbisa kuti masangano eAustralia arambe achikwikwikwidza. Ikoku kunokosha zvikuru mukutarisira ngozi dzetsika dzepasi pose dzinokosha (G-SIFF) dzinoshanda mukati Australia uye kutsigira mipimo yakasimba yeAMLMCTY FFFF.

Kutanga Kunokosha Kudzorera Nzvimbo Yokuvakwazve

Kuzvidavirira Kwemari (FAR)

Chimwe chemiuyo inokosha zvikurusa cheRoyal Commission iPrecional Accounting Regime (FAR), iyo yakatanga kushanda zvakazara muna March 2025 nokuda kwemasangano ose eAPRA-aPRA adzoreswa. FAR inotsiva Bhanking Accouncition Acception Regime (BAAR) uye inotambanudzira misengwa yokuzvidavirira kuboka guru revakuru vakuru vehurumende mubhangi, vadzori, uye mari inodzorwa. Hurumende inoda makambani kurondedzera zvakajeka kuzvidavirira kwavakuru vakuru navatungamiriri vehurumende. Inopa simba vadzori kuti vapise chirango chekudzo nemitemo yokudzosera kumitezo yakakomba yemitoro inodzokoro. Farna anochinja kudzora kumugariro wemari.

Kushandisa Mari Yechikwereti Nekubiridzira Zvazvino Uno

Kwamakore, mikaha yokudzosera zvinhu zvinokudziridza nokukurumidza seKutenga zvino, Pay-panow (BNP) kuti ishande kunze kwoukuru hwakazara hweNational Consumer Consumer Protection Act. Kondiration yakavhara mukaha uyu nokuisa zvirongwa zveBNPL sechigadzirwa chechikwereti, ichida kuti zvitete zvinhu zvinoshandiswa pakuongorora mari yakawanda. Kutanga uku kudzivirira vatengi vasina dziviriro pakupinda mumitengo apo vaichengeta gadziriro yebasa reCSCMSCF, iri kushandisa migove yeProgram, inoisa misengwa yemitengo yeAustralia pamabhangi, materuki, madhiki emichina kuti vazive, kuvhiringidza, uye kupindura nokunyengera.

Kutanga Kugadzira Magetsi

Mhindumupindu inokurumidza yakaita kusvika kusingadzoreki, kwapabudiresi, uye mari inodzorwa zvakanaka (Defi) yakapa vadzori munyika yose nedenho inokosha. Treasury yaita kusvika kwapakarepo, kwakarongwa[ kutungamirira zvinhu zvemitengo. Phase Anobatanidza kuronga gadziriro inochinja maainjinira eAreginiti yePlatformes (mappects navarwi), inoda kuti vawirirane nehomwe inopfumisa, kuchengetwa, uye mipimo inopfuudza njodzi yemari inoparira mutengo. Parase anonamba zvivako zvinochengetwa pasi pehurumende inogadzirirwa mari. Stock inobvunzawo paBCCC (Marimetic Ratical) kuti izivikanwe kunzvera kugona kunzvera mutengo.

Kushandisa Bhuku Rekuchinja Rokupedzisira reBasel III

APRA, nokutarisira Treasurer, iri kushandisa mipimo yasara yeBasel III. Rutivi rukuru rweidzi chinjo isumo ye “uriri hwechigaro,” inodzivisa mabhangi kushandisa mienzaniso yomukati yengozi kuyera zvinodikanwa zvemari zvakaderera kupfuura muteshi wetsika. Ikoku kunoderedza ngozi yetsika uye kunowedzera kuvadziko yezviverengero zvedzimbahwe pamasangano. shopu dzinotsigira izvi sezvo anosimbisa mano egadziriro yokubhangisa mari kutora nokutsigira upfumi mukati mekuderera kwemitengo, kusimbisa kutsigarika kwegadziriro yemari yakafara.

Kugadzira Muchina Wokugadzira Mari (AML)

Bheni iri kutanga chinjo hurusa yehurumende yeAML/CTF chifo chayo chamavambo. Kuchinja kuchatambanudza murairo kuti utore “masangano 2, kubatanidza vamiriri venzvimbo, magweta, uye vatarisiri vemari, kuvhara mukaha mukuru mudziviriro yemari yeAustralia. Kupfuurirazve, gadziriro iri kuitirwa kuti ikurumidze kutaura zvakananga nezvengozi dzemari nedzechigandangaratidzo dzakabatanidzwa nezvinhu zvemichina nezvinodokutoda, kuvimbisa mipimo yeFATF, kubatanidza “Kutonga kweTral.

Ngozi Dziri Kuwedzera Uye Zvinhu Zvisinganzwisisiki

Kukura Kwokupindirana Nezvemari Kusiri Kwemabhanki

Sezvo mabhangi egamuchidzanwa akatarisana nemirau yakasimba zvikuru, vakweretesi vasina mari, vakweretesi vemari, vatengi vemakambani ezera kumari inobhadharwa nechikwereti) vakatora rutivi runokura rwemusika wechikwereti. Nepo aya masangano anokurudzira makwikwi, anewo ngozi nemhaka yokuti havasi pasi pezvinodikanwa zvakafanana uye zvisakafanira semabhangi uye kazhinji kazhinji vanotsamira pamari inobhadharwa. Bhenimari, pamwe chete naAPRIA neRBA, iri kusanonzvera kukura kwechikamu ichi. Chinetso chiri kugadza mhinduro inoderedza njodzi dzebhangi reshonga pasina kudzosa makwi anopiwa navabhangi vasiri vakwereti vakuru.

Kuchengeteka Nokushanda

Kuchinja kwakawedzera zvikuru kukanganiswa kwemakombiyuta pasangano guru rezvemari kana kuti musika wezvokutengeserana wakaipa kungava nemigumisiro yezvokutengeserana. Treasur iri kutungamirira kugadzirwa kweSangano reCritical Infrastructure (SOC) Act, inomanikidza kushuma nokuisa mitoro yengozi pamasangano ezvemari anenge achiva anokosha. Nzira yacho inoita kuti irambe ichiita zvinopfuura kungovakwa kuti ive nokugadziridza kushanda kwechokwadi kwemasangano ezve mari kuti ipfuurire kuendesa mabasa acho kunyange kana masangano ezve emari achirwiswa zvakananga.

Ngozi Dzemari Dzakavharwazve Nemamiriro Okunze

Chinjo yemamiriro okunze inoparira ngozi dzose dziri mbiri (kushata kubva kumugariro wokunze wakakomba) nengozi dzekuchinja (kuisa kutsinhana nemhaka yokuchinjika kunzvimbo yemari ine macarbon akaderera). Treasure iri kuva basa guru mukugadzira gadziriro yemari inochengeteka yeAustralia. Ikoku kunobatanidza kubuda kwemari kuri pakati pemitengo yemari yakavakirwa pamipimo yeInternational Sustatability Servation Board (ISB) yemabhizimisi makuru namasangano ezvemari. Kupfurikidza nokuda kuti kujekedzerwa kwakafanira, shoo yeTS inoshuva kuvandudza kugadzirwa kwemisika, kurwisa kushambiso kugadzirwa kwemari kuti kuve mutengo uri nani uye kugona kudzora ngozi dzemamiriro okunze. Ikoku kunotsigirwa nokubudirira kweFernal Sciotations Stationstion.

Kunetsa Kwoungwaru Hwokugadzira Mari

Kushandiswa kunowedzera kwedzidzo yeAl nemichina muminamato yemari(_yazvo kusimbisa, kunzvera kwechikwereti, kunyengera, zano rako, uye kutengeserana kwemazamu . zvinomirira muganhu mutsva wokuoma kudzora. Nhau dzeshambidziko yemitemo, kuvandika mashandiro ezvokutsanangura, kutsanangura kwokuenzanisira, uye kuzvidavirira nokuda kwezvisarudzo zvesimba ndezvinokosha kukurukurirano yokuzvidzora. Dare riri kushanda neASIC neHofisi yeInformation Commishipy yeAustralia (OIC) kuti rikukukudziridza mutoo wengozi wekudzora mumari inoiswa mumari. Chinangwa chokudzora zvakanaka kwezvakashambadzira kukuvadziko nengozi dzinodzorwa nemitemo yemitezo yetsika.

Nhungamiro Dzakarongwa Nokuda Kwezvirongwa Zvemari Zvomunguva Yemberi

Kushandisa Chinjo Neresiripi Agenda

Kutungamirira kwomunguva yemberi kweTreasurement inonangidzira pakugadzira zvinhu umo kuvandudza nokudzikama kunosimbisana. Ikoku kunobatanidza kushandisa mano ounyanzvi avadzori vadzori (Regtech) kugonesa mitemo yakawanda inoiswa mashoko, inoita kuti ishande. Ireand Regaliatory Data Platform iri kutangwa neASIC neAPLA ichabvumira kuunganidzwa kwamashoko kwakawanda, kunowanzoita kuti zviwirirane kuona zviri kuvamba uye ngozi nokukurumidza. Dare racho riri kutsigirawo maindasitiri okugadzira zvinhu kuti zvibvumire kutanga kuongorora zvinhu zvakagadzirwa mumhoteredzo yakagadzirwa, yakakotsekana.

Kushandisa Dhipatimendi Repamutemo reMutengi (CDR) uye Kuvhura Mari

Consumer Data Right, yakatanga kunyorwa mubhangi (Open Banking), iri kukudzwa muzvemari. Treasury inoona CDR sechikamu chenheyo nokuda kwokusimudzira makwikwi nokuvandudza. Kupfurikidza nokupa vatengi maruramiro okuendesa zvakakotsekana manyuko avo pakati pemigove, CDR inoronga kuderedza ndyiko ndokugonesa kugadzirwa kwemibato yemitengo yemitengo yemunhu oga. Nguva yemberi yeOpen Mari ichazarura mitsva mifanikiso yemichina yebhizimisi, uye shonga inonangidzira pakuchengeta gadziriro yebasa inoita kuti ivetengwe, yakakotseka, uye inowirirana nemipimo yemipimo yemitengo yamarudzi ose.

Kusimbisa Kubatanidzwa Kwamarudzi Ose Nezviito Zvakanaka

Sezvo mipimo yetsika yenyika yose inochinja - paIndo-Pacial jinis(pamitengo yemitemo, AI, kugadziridza, uye mamiriro okunze) zvakazvipira kuva inzwi rinoshingaira mumiganhu yenyika yose. Treasu iri kusimbisa mashoko - kusimbisa zvibvumirano nezvikwaniriso zvinokosha munharaunda yeIndo-Pacific uye kupfuura. Urongwa hwacho hunobatanidza kuongorora kuzivikanwa kwehurumende dzinodzora padzinobvira, kuderedza kuzviisa pasi kwemafemu anoshanda mhiri kwemiganhuro. System System yemarity Asses Transformation nguva dzose] yakaziva kusimba kwegadziriro yokutarisira yeAustralia, uye vavariro dzokuvaka panheyo ino.

Kuchengeta Dzikamo Yokusimba Pakati Pokuvazve Newedzero

Chinokosha zvikuru nokuda kweTreasur ndechokuvimbisa kuti uremu hunowedzerwa hwechinjo dzinodzorwa hahuvi chinhu chisiri madikanwa pakukura kwezvemari. Pane nhamburiko yokungwarira kuita hwirudzuro dzechinjo huru pashure pekunge Far neDDO kuti vave nechokwadi chokuti vari kuwana miuyo yavo inorongedzerwa pasina mutengo mukuru. Komiteri inotsvaka kuchengeta gadziriro yokudzora iyo iri nheyo dzakavakirwa panheyo uye dzinochinjika zvakakwana kuchinjira kumiitiro mitsva yebhizimisi, panzvimbo pemitsetse mirairo yakaoma, inoiswa pamitemo inova inokurumidza kuva inopfuurira. Iyi dzikamo inodikanwa kuti itsigire mutengwa mukuru uye wamakwikwi.

mhedziso

Gadziriro dzeNzvimbo yeAustralia yokusimbisa kudzikamisa kurongwa kwemari inoumbwa nedavidzo huru neinochinjika kumhoteredzo yakaoma. Hwaro hwakatangwa nezvidzidzo zveRoyal Commission, iyo yakaisa chinjo kukuva kuzvidavirira kwechokwadi uye kutengeswa. Panheyo ino, Treasuro iri kuvaka zvirongwa zvitsva kuti itarisire ngozi nemukana wemari, tyisidziro dzeIndaneti, uye kuchinja kwemamiriro okunze. Kupfurikidza nokushingaira naAPRICA, ASIC, RBA, uye mitumbi yamarudzi ose, ve kugadzira gadziriro yemari yakagadzirirwa kusimbisa, inoyera, uye nesimba. Chinetso chinopfuurira chichava chokuchengeta iri chiyero, kudzivirira kuti miraumbidzo yetsika ive isina kugadzirwa, uye kuti nharaunda yemari ipfuurire kupfuurira kuvandudza upfumi hweAustralia.