Inkqubo yemali yase-Australia isisiseko sempumelelo yayo yezoqoqosho, ilawula iAUD kwimali engamawaka ezigidi zezigidi ezingama-4 (izigidi zezigidi zezigidi zezigidi zezigidi ze-AD kwimpahla zogcino-mali kunye nequla elinamakhulu amane engqesho emhlabeni wonke. Ukukhuthaza uzinzo, ingqibelelo, kunye nobulungisa bale nkqubo kungumsebenzi ontsonkothileyo, othelekisa i-Mali ye-Australia kunye ne-Ostrean Beanerty esebenza njengesakhiwo sayo solawulo oluphezulu. Ezi zicwangciso aziyilwanga nje ukuthatha indawo ye-[FLD] iKhomishini yobukumkani [ kunye naphakathi kwelizwe eliguquka ngokukhawulezayo elichazwa ngokhuthulo lweminyaka, uxinzelelo lwe-geantelliti, kunye nemfuno lwemozulu, ukukhuthaza ukulondolozwa kwemiqatha yemali, ukugcinwa kwemiqatha, nokugcinwa kwemiqathango.

I-Thintery isebenza kwimodeli ye- “Twin Peachols”, inxibelelana ngokusondeleyo neGunya le-Prumelweli le-Australian Prustilential Regation (APRA), elijonge ukhuseleko nempumelelo yamaqumrhu emali, kunye ne-Australian Securities kunye ne-Picements Commission (ASIC), enyanzela ihambo kunye nokhuseleko lwabathengi. [[FLL:0] iNkulungela iiNkcupho zeMaliti yemali (CFR) njengeyona njongo ye-omatilim yokulungelelanisa okuphakathi, enyanzela inkqubo elungeleneyo yokuzinzo, i-agidiyo. Eli nqaku linika uhlaluko olugunyazayo lwezinjongo, ukuvelisa, kunye nolawulo lwexesha elizayo lwe-Ostrestiki ye-Australia oluchaza imigaqo yemali eqhubekayo.

Izinto Ezikhuthaza Utshintsho

Ukuphakamisa Ukhuseleko Nengqibelelo Yabathengi

I-Financial Services Royal Commission, eyaqukumbela ingxelo yayo yokugqibela yokwenziwa kwemali ngo-2019, ibhenca ukungaphumeleli kwenkqubo yokucebisa, ukuboleka kunye nolawulo lomrhumo. Impendulo ephambili ye-Otherinement ibikukubhenca “intanda-bulumko yokuqala” kwisiseko solawulo. Oku kubandakanya ukuqinisa iimfanelo zokwenziwa kunye nokusasaza (i-DDO) kwimveliso zemali, ukukhuthaza ulawulo oluchaza ihambo engafanelekanga luchaziwe kwaye lunyuswe ngokukhawuleza, kwaye kwandiswa amandla e-Australia ye-Filial Finitys Justicet Authoritys Authority (AFA). Injongo kukususa umthwalo kwiinkampani ukungqina iimveliso zazo zifanelekile kwaye ihambo yazo intle, ibangela utshintsho oludlulileyo kubathengi ukuba bachaze iingxelo zemali.

Ukuzinza kokukhusela inkqubo

Uzinzo lwemali luyimfuneko ekuqhubekekeni kwezoqoqosho. Ubeko kunye neReserve Bank yase-Australia (RBA) zisebenza ngokusondeleyo ukuqwalasela iingozi ezikhoyo kwinkqubo, kuquka ukuthengiswa kwezindlu ezingqubanayo, ukudityaniswa kolwandle, kunye nokudityaniswa kwamalungiselelo emali. Isiseko semacropritial sisetyenziswa ngokuyintloko ngu-APRIPA, ivumela ukuqiniswa kwemilinganiselo ebolekisayo (umz., izigcini-mali) ukupholisa iimarikethe ezishushu. Injongo ye-mali apha kukwakha inkqubo enokumelana nokungothusa okunzima okuvela ekudodobalaleni kwezoqoqosho, ingxaki yemali yomhlaba wonke, okanye isiganeko esingundoqo senkonzo yemali (umz.) ngaphandle kokufuna ukuhlawula irhafuthelisa irhafu.

Ukufumana Ihlelo Elizinzileyo Nelikhuphisanayo

Inkqubo yebhanki eqinileyo ibalulekile ekugcineni imali eninzi. Iibhanki ezinkulu ze-Australia zidityaniswe kakhulu neemarike zamakomkhulu ehlabathi. INgxelo yemali, ngoAPRIA, izalisekisa imilinganiselo yokugqibela u-Basel III yobulumko[, equka umgangatho ongqongqo oyintloko wokuthintela iibhanki ekusebenziseni iimodeli zangaphakathi ukuchaza ubungozi bazo. Injongo kukuqinisekisa ukuba imigangatho yekomkhulu yomgangatho womgangatho womgangatho ophezulu nomelo lokwenene lokuthathwa. Kwangaxesha linye, i-Trenterver iya kumele ukulondoloza ukhuphiswano lwezizwe ngezizwe, iqinisekisa ukuba umthetho awukuthinteli ngokungafanelekanga ukuhamba kwemali okanye ukuqhuba kwicandelo lokubhankisela imali okanye ukukhupha iimali.

Ulungelelwaniso lomgaqo-nkqubo wezizwe ngezizwe

I-Marike yezemali iphela ngokwemvelo. I-Algin ethatha inxaxheba ngokukhutheleyo kwimiqathango yehlabathi jikelele ecwangcisiweyo, kuquka iKomiti yeBanki Ephezulu (BCBS), iBhodi yeMali yeSingqi sobuMali (FSB), kunye ne-International Organization of Secituties Commissions (IOSCO). I-Algignign yemimiselo ye-Australia enemigangatho yomhlaba wonke inciphisa uqhezunge-lu, ibangela ukuba i-AMLCF ihambele phambili yemali enqamleza umda we-bandengi, kwaye iqinisekisa ukuba amaziko ase-Australia ahlale ekhuphisana. Oku kubaluleke kakhulu ekulawuleni iingozi zenkqubo ezibalulekileyo zehlabathi (G-SIFS) ezisebenza kwi-Australia nokuxhasa imigangatho enamandla ye-AMLMCFF ehambelane-Active Motivement (F).

Isikhokelo sokulungisa umhlaba olawulwayo

I-arhente yezemali (FAR)

Enye yeziphumo ezibalulekileyo zeKhomishini yobukumkani yiNkqutyana yokuThetha amatyala emali eRegime (FAR), eyasebenza ngokupheleleyo ngoMatshi 2025 kuzo zonke izinto ezikhoyo ze-APRA-rejiya ezilawulwayo. UFAR uthabathel' indawo ye-Bhanki Enegunya Elinegunya lokuphendula i-Regime (BAR) kwaye unyusa iimbopheleleko zokuphendula iqela elikhulu labalawuli abalawulayo abasemadongeni, abafaka izivumelwano zemali, kunye neemali eziphezulu zokuxhasa imicimbi. Ulawulo lufuna iinkampani ukuchaza ngokucacileyo ii-akhawunti zabalawuli abaphezulu nabalawuli abaphezulu kunye nabalawuli bemali. Inika abalawuli abaxhobisayo ukunikezelwa kwemiqathango kwemiqathango yemiqathango yokukhuthulwa kwemali.

Ukusebenzisa Amaxabiso Okuthenga Nawokukhuselwa Kwabantu Abaqhathayo

Kangangeminyaka, izithuba ezilawulayo zivumela imveliso ekhula ngokukhawuleza njenge-Bull- Ngoku, iPaso-ekuhambeni kwexesha (BNP) ukusebenza ngaphandle komda opheleleyo weNational Consumer Consumer Protection Act. IBorter ivale eli gebe ngokusebenzisa icebo lokucalula i-BNP njengemveliso yokuthenga ngetyala, ifuna abanikezeli ukuba bagcine iLayisensi yetyala neenkokhelo ezinzima zokuhlola ngokungqongqo. Oku kukhusela abathengi abachaphazelekayo kwityala elingaphaya kwetyala ngexa begcina isiseko sobuchule obunetyala. Ngokubodwa, i-CM.

Ukuqalisa Umsebenzi Osetyenziswa Ngamanani

Indaleko ekhawulezileyo ye-copyrrencres, izitempe, kunye nemali ebekelwe isidima (DeFi) inike abalawuli bomhlaba wonke onocelomngeni olubalulekileyo. i-Treasury ithathe indlela ekhawulezileyo, efakelweyo[ ukulawula izinto zexabiso lezinto zamanani. UPhase ubandakanya ukubeka isiseko se-injini ye-injini ye-injini ye-injini ejikelezayo ye-ASlatformes (iiiiiiii-Platformes kunye nabagcini-mali), efuna ukuba badibanise kwiko lomatshini elincinane, ityala, ukugcinwa, kunye nemigangatho yokukhutshwa kwemali esemthethweni. Ngexesha lokuthengiswa koncedo lwemali.

Ukusebenzisa Utshintsho Lokugqibela Lwesiseko III

UAPRA, ngolawulo lweTreasure, uzalisekisa imigangatho eseleyo yeBasel III. Umba ophambili wezi nguqulelo kukusekwa kolu “mgangatho womgangatho,” othintela iibhanki ekusebenziseni imodeli yomngcipheko wangaphakathi ukubala iimfuno zekomkhulu eziphantsi kunesiseko esisezantsi. Oku kunciphisa ubungozi bomzekelo kwaye kunyusa umlinganiselo wamakomkhulu kwiikomkhulu. I-Oficity ixhasa le miqathango njengoko iqinisa amandla enkqubo yokubhankisa nokuxhasa uqoqosho ngexesha lokuwohloka kwezoqoqosho, kuqinisa ukuzinza kwenkqubo yemali ebanzi.

Ukulungisa umsebenzi wesakhelo ochasene neMali (AML)

Iveliswa i-Ofisi iqalisa ulungiso olubalulekileyo lolawulo lwe-AML/CTF ukususela ekusungulweni kwayo. Utshintsho luza kwandisa umgaqo wokulawula ukuthatha “ii-atche2”, kuquka abameli bezinto zokwemvelo, amagqwetha, kunye nabagcini-zimali, ukuvala umsantsa omkhulu kukhuseleko lolwaphulo-mthetho lwemali e-mali e-Australia. Ngaphezu koko, isiseko senkqubo siya kumiselwa ukuqhubana ngqo nemali enxulumene neziphumo zemali kunye nobugrogrisi kunye nee-abhusayithi, ziqinisekisa ukuthotyelwa kwemigangatho yeFATF, kuquka “Umthetho weTRAL.”

Ukunyuka kweengozi eziqhubekayo kunye neemeko ezintsonkothileyo

Ukwanda kokusetyenziswa kwemali ephakathi

Njengokuba iibhanki zesithethe zijongene nomthetho oqinileyo, ababoleki abangengobabhanki, ababoleki bemali, ababoleki be-pindtech, oontanga--iqonga abafumana isabelo esikhulayo sentengiso yetyala. Ngelixesha ezi zinto zikhuthaza ukhuphiswano, zikwanobungozi ngenxa yokuba azikho phantsi kwekomkhulu kunye nolwemali efunekayo njengeebhanki kwaye zisoloko zixhomekeke kwimali eninzi. Imali yemali, kunye neAPRIPLA neRBA, ihlola ukukhula kwale nkampani. Ucelomngeni lukukwenza inkqubo enciphisa iingozi zokubhankitha isithunzi ngaphandle kokukhuphisana okunika abarhwebi abarhwebi abaninzi.

Ukhuseleko nokusebenza

Ukwenziwa kwemivo yemali kunyuse ngokuphawulekayo uphuhliso lohlaselo lwabadlali abanobungozi. Isiganeko esikhulu solwenzeko lwekhompyutha kwisakhiwo esikhulu semali okanye kushishino lwezoshishino olubalulekileyo lunokuba neziphumo eziphambili zenkqubo yorhwebo. INgciwo ikhokela ekuphunyezweni kokhuseleko lokwenza i-Intelligence Inkcaso (SOCI) Act, enyanzela ukuba unike ingxelo eninzi kunye nezibophelelo zobungozi kwimibutho yemali ebonakala ibalulekile. Iqhinga libhekisa ekuhambeleni ngaphaya kokwenza ubuchule bokwenza umsebenzi wokwenza umsebenzi wokwenyaniso wenyani.

Iingozi zemali ezichaphazelekileyo kwimozulu

Utshintsho lwemozulu lubangela ubungozi bomzimba (ukuchanabeka kwimozulu embi) kunye nobunzima bokutshintsha (ukulungelelanisa ukutshintshelwa kuqoqosho oluphantsi). ITree ithathe indima ephambili ekuveliseni isakhiwo semali esizinzileyo sase-Australia. Oku kuquka ukutyhilwa kwemeko-bume yezoqoqosho okunxulumene nemeko-bume enxulumene ne-mali esekelwe kwi-International Compatibility Servation Board (ISB) yemigangatho yamashishini amakhulu kunye namaziko emali. Ngokufuna intelekelelo esezantsi, iTrenter ifuna ukuphucula ukubonakala, ukulwa kwemari eluhlaza, kunye nokunceda izikongophele zemali zikwazi ukuvelisa amaxabiso angcono kunye nokulawula iingozi zemozulu. Oku kuxhaswa yinkqubela ye-OSTRALISCOSCOSON.

Uphando lobuntlola obenziweyo kwiMali

Ukusetyenziswa okukhulayo kokufunda i-Al kunye nomatshini kwiinkonzo zemali, ukugxininisa, ukufumanisa ityala, ukuphamba, icebiso elinobuntu, kunye nokurhweba ngemithetho-siseko.

Imigaqo ecwangcisiweyo yeNkcubeko yeNkcubeko yeXesha elizayo

Ukusebenzisa Imveliso Yokuguqula Nokuzinzisa Umzimba

Isikhokelo sexesha elizayo seTreasured Regatoriary Data Platform ephuhliswa yi-ASIC kunye ne-APLA iza kuvumela ukuqokelelwa kogcino-lwazi oluninzi, oluxhaphakileyo, oluninzi, oluninzi, oluneengozi. Oku kubandakanya ukuveliswa kobuchule bobugcisa bolawulo (Regtech) ukuze kuvuleke ugcino-lwazi olusemgangathweni, ubuchule bokufumana ulwazi oluninzi, oluninzi, olunceda abalawuli babone iziphumo eziqhambukayo kunye nomngcipheko ngokukhawuleza. I-ATCS ikwane ixhasa ii-ndhobox kunye neendawo ezintsha zokuvula i-ASPlatformations eziphuhliswayo ziphuhliswa kukuvavanywa kweemveliso ezilawulwa, ezikhuselekileyo.

Ukugunyazisa ugcino-lwazi lwentengiselwano ngasekunene (CDR) kunye nokuKhutshelwa kweNgcitho

I-CDR inguvimba wasekunene, oqengqeleke kwicala lebhanki (Open Banking), isanda kulo lonke uqoqosho. I-CDR ibona njengesiseko sezibonelelo zokukhuthaza ukhuphiswano nokuphuhliswa. Ngokunika abathengi ilungelo lokudlulisela ugcino-lwazi lwabo ngokukhuselekileyo phakathi kwabanikezeli benkonzo, i-CDR ijolise ekunciphiseni iindleko zokucima iindleko zemali nokunceda ukuphuhliswa kweenkonzo zobuqu. Ikamva le-Open Genential Iza kuvula iimodeli ezintsha zogcino-data ezidityanisiweyo, kwaye i-mali ijoliswe ekuqinisekiseni isiseko sesiseko somsebenzi, ikhuselekile, kwaye ilungelene nemigangatho ye-data yezizwe ngezizwe.

Ukhuthazo olunzulu lwezizwe ngezizwe kunye nocwangciso olusezantsi

Njengokuba imigangatho yolawulo lwehlabathi lonke iguquka ngezantsi kwe-apply projects, i-Al, ugcino-lwazi, kunye nomngcipheko wemozulu, `Australia' izimisele ukuba lilizwi elisebenzayo kwimimandla yezizwe ngezizwe. I-Othermenti yomeleza ulwazi-oklunxulumene namaqabane angundoqo kummandla we-Indo-Pacificance. Iqhinga libandakanya ukuqwalasela ubuchule bolawulo lolawulo lweziko-litiliti apho kunokwenzeka, ukunciphisa iindleko lokuthobela iifemu ezisebenza ngaphesheya kwemida. Isixokelelwano seNkqubo yeMality Active Stavity Imentmentmentsments [[[FLTY1]] ngokuqhubekayo luye lwamkela ulungiso lwesiseko solawulo sase-Australia, kunye nosukelo lwe-Cershoreal xa lwakhiwa kwesi siseko.

Ukulungelelana Okunamandla Phakathi Kokulungelelanisa Nolwando

Ukubaluleka okubalulekileyo kweBhunga lokuSebenza kuqinisekisa ukuba ubunzima bonyuselo lomthetho abubi kukurhuqa okungeyomfuneko ekukhuleni kwezoqoqosho. Kukho umgudu onyanisekileyo wokuthatha uhlolo lotshintsho olukhulu (njengoFAR no-DDO) ukuqinisekisa ukuba bafikelela iziphumo zabo ezicetyisiweyo ngaphandle kokubeka iindleko ezinkulu. Umba wemali ufuna ukugcina inkqubo elawulayo esekelwe kwimigaqo esekelwe kwimodeli yeshishini entsha, kunokuba ulwenze oluqinileyo, olumiselwe ngemithetho emiselwe ngokukhawuleza ukuba iphelelwe lixesha. Olu lungelelwano luyimfuneko ekulondolozeni icandelo eliphilileyo nelokhuphisanayo.

Isiphelo

Ubuchule be-Ostreliya bokomeleza umgaqo wecandelo lemali bumela ukusabela okubanzi nokulungelelanisiweyo kokusingqongileyo okuntsonkothileyo. Esi siseko sabekwa ngezifundo zeKhomishoni, eyathi yasebenzisa utshintsho kwimiba yokuphendulana nokwenene nokuthengwa kwabathengi. Kwesi siseko, iveliswa kweTrente entsha ukuze ilawule umngcipheko kunye namathuba emali yemali, izisongelo zezeziko-mnyaka, kunye notshintsho lwemozulu. Ngokusebenza ngokuqhubekayo ne-APRICA, i-RBA, kunye nemizimba yezizwe ngezizwe, iventi yemali ecetyetyelelwe ukuqinisa, intle, kwaye igxampyukile. Umba oqhubekayo uya kuba ngulongezokugcina ulungelelo, ukulinganisa ukuba umthetho ukhuseleko ngaphandle kokutshintsha, nokuhambelana kwemali kuqhubekeka kwe-Ostrelstance kunye nempumelelo yezoqoqosho yase-Australia.