I-Australian Treasure ihleli embindini wesakhiwo semali, ijongene nokuyila nokumisela inkqubo yengeniso yokuba imali efunekayo kwiinkonzo zikarhulumente, izibonelelo, kunye nentlalo-ntle yabantu. Njengoko uqoqosho lwehlabathi lusiba ngamanani angakumbi, ukudityaniswa, kunye nobunzima bengeniso, ucelomngeni lwengeniso oludibeneyo loqoqosho lwemali olwenziweyo. Ukusuka ekubhaceni kwerhafu nokuphepha uxanduva nokuzikhusela komsebenzi wolawulo, i-Mongo yemali kufuneka iqhubeke iqhelanisa ukukhusela isiseko sengeniso esixhasa uzinzo nolwando lwezoqoqosho lwe-Australia. Eli nqaku lihlola imingeni eninzi yemali ephambi kwengeniso, amanyathelo afanelekileyo asetyenziswayo ukuyoyisa ukuboyisa, kunye nomgaqo wexesha elizayo wengeniso kwinguquko engoko.

Ubuhle Obuntsonkothileyo Bengeniso EOstreliya

Ukugxothwa Kwerhafu Noqoqosho Olufihlakeleyo

Ukungahlawuli irhafu kuhlala kulolona celomngeni luzingisileyo nolonakalisayo kwingqokelela yengeniso e-Australia. Imisebenzi efihlakeleyo efihliweyo efihlwa ngabom kumagunya erhafu .I-accostation commental commentation iiblubrials zeerandi [. I-ofisi ye-Makata yoMthelisi yaseAustralia (ATO) isoloko ihlaziya uqikelezo lwayo lwesithuba serhafu, elinganisa umahluko phakathi kwerhafu ebeyinokuqokelelwa ukuba zonke iimfuno zihlanganiswe ngokupheleleyo kwaye imali iqokelelwe ngokwenene. Kwixesha lakutshanje, iATO yabika ukuba umsantsalo womna werhafu kubantu, amashishini amancinane, namaziko amakhulu eenkampani eencwadi azimele athenjiweyo athe athe athene.

Ukulwa oku, iVaya kunye ne-ATO ziphumeze uludwe lwendlela zobhaqo oluntsonkothileyo kunye nezithintelo. Ezi ziquka ugcino-lwazi olufana nemithombo yesithathu enjengeebhanki, abaqeshi, kunye namasebe karhulumente, kwakunye nolwazi lwendlela yokuziphatha, kunye nokuqonda isizathu sokuba abantu kunye namashishini bakhethe ukuba nenxaxheba kwizoqoqosho ezifihliweyo. Ukumiselwa kwe- Mnyama i-Ecomy Task Force [[] e-2016 yayilinyathelo elibalulekileyo elibalulekileyo elikhokelela kwimithetho emitsha, ulwando olunyusiweyo, kunye namaphulo kawonke wonke wokuguqula imigaqo ephathekayo ekhofini ekhomishini ekhokhelwayo.

Umthwalo Onzima Nobuntsonkothileyo Bomthetho Werhafu

Inkqubo yerhafu yase-Ostreliya iphakathi kweyona intsonkothileyo kwihlabathi eliphucukileyo. Ubuninzi obupheleleyo bomthetho, imiyalelo, kunye nokhokelo lolawulo lubangela umthwalo onzima wokuthobela abantu kunye namashishini. Oku kuntsonkotha akunyusi nje kuphela iindleko zokuthobela kodwa kudala amathuba okusebenzisa iimpazamo zangabom nokusebenzisa kakubi amashishini amancinane. Amashishini amancinci, abumba isiseko sezoqoqosho zase-Australia, alawula iimfuno zerhafu ezininzi, ````GST,[3], PAYG' ebontsa, FBT, kunye nerhafuzo yengeniso, anokungamandla nerhafuthelisa ixesha.

Iveyie iqaphele ukuba ukwenza lula imigaqo yerhafu kubalulekile ekuphuculeni ukuthobelana ngokuzithandela nasekunciphiseni iindleko zoqoqosho. Utshintsho olufana nobuTshazi obusesikweni beNgxelo yeBhodi yeNkonzo kunye nokuphuhliswa kwenkqubo ye- Engalawulekiyo] inkqubo yeNkcubeko esebenzayo iye yanceda ekuqokeleleni ugcino-lwazi kunye nokunciphisa i-evolution. Noko ke, ukuhlawulwa kwerhafu kuhlala kungusukelo olude olufuna ukuqhubekekayo lwezopolitiko kunye nokulungelelaniswa kweenjongo zenkqubo kunye nolawulo.

Ukuphepha Irhafu Yamazwe Ngamazwe Nokutshintsha Kwengeniso

Ukudityaniswa kwehlabathi kunye noqoqosho lwamanani lwenze kwaba lula ngemibutho yamazwe ngamazwe ukuba itshintshe ingeniso itshintshele kwimithetho ephantsi yerhafu, isuse isiseko serhafu esebenzelayo e-Australia. Umba wokukhukuliseka okusisiseko nokuguquka kwengeniso (BEPS) ube kukujoliseko olukhulu kumagunya erhafu e-OECD kunye nerhafu yesizwe ehlabathini lonke. I-Australia ibiye yaba ngumthathi-nxaxheba ophambili kwi-OECD/G20 kumsebenzi oquka i-Frames, usebenzise amanyathelo afana ne-Emiltlateadraldal IMLCS (MLI) ukuhlaziya izivumelwano zayo eziphinda kabini zerhafuthezo nokungenisa irhafutheyiwe. [DLD1] [iT] [onke-onkeneyo kubhekiselwa kwi-"GOOGSCOS"-10]

Ngaphandle kwale migudu, uqoqosho lwamanani luyaqhubeka luguquka, kwaye kuvela iingxaki ezintsha ngokunyuka kwempahla ye-crypto, iinkonzo zamanani, kunye ne-e-commerce. I-Moove isebenza ngokukhutheleyo ekuphumezeni isisombululo se-OECD esineepallar sokuguqula imithetho yerhafu yamazwe ngamazwe, ejolise ekuqinisekiseni ukuba amaziko amakhulu amazwe ngamazwe ahlawule irhafu apho anokuthelekisa khona abathengi, kwanangaphandle kobukho bomzimba. Le nkonzo yehlabathi lonke ibalulekile ekuthinteleni ukukhutshwa kwerhafu esisiseko yerhafu enciphisa ingeniso efunekayo kurhwebo lukawonke wonke.

Ukutshintsha Kwenani Labantu Nokukhula Kwabantu

Ucelomngeni olusoloko lungahoywa lukungenelo lwabemi abalupheleyo base-Australia kwingeniso. Njengoko umlinganiselo wokusebenza kwabantu base-Australia uncipha ngokunxulumene nomhlala-phantsi, isiseko serhafu sinciphile ngeli xesha imfuneko yokunyuka kwemali enxulumene nokunyuka. Le ngxaki yabemi iquka uxinzelelo olungakumbi kuMandla ukufumana iindlela zokwandisa isiseko sengeniso ngaphandle kokuthintelwa kwezoqoqosho. Imithetho efana nokwandisa umyinge wokuqinisekisa kwenkqesho ephezulu nokukhuthaza ukuthatha inxaxheba phakathi kwabakhulileyo e-Australia iyinxalenye yokuphendula, kodwa utshintsho kwintlanganiso yerhafuthelo, dibanisa ukuxhomekeka okungakumbi ekusebenziseni irhafu okanye kwirhafu yomhlaba.

Ulawulo Lwale rhafu Lwale Mihla: Ukubaluleka Okubalulekileyo

Utshintsho lwamanani kunye nenkqubo yokuhlisa ingeniso echuliweyo enye

I-Moota kunye ne-ATO ziqalisile ukuguqulelwa kwemivo ebanzi yolawulo lwerhafu, ubugcisa bokuxhathisa ukuphucula ubuchule, ucoselelo, kunye namava omsebenzisi. Indlela yokuphatha i-Pasoll engathanga (STP), egunyaziswe ngokupheleleyo kubaqeshi ukususela ngo-2019, yimpumelelo. I-STP ifuna abaqeshi ukuba banikele ingxelo ngomqulu osezantsi kunye nolwazi lonikezelo lolwazi lwexesha lokwenene kwi-ATO, ivumela igunya lerhafu ukuba libuyise irhafuthe, ikhuphe ukungavumelani, kwaye inciphise imfuneko yokungena kogcino-data yezandla. Oku kunciphise ngokuphawulekayo ukuthobela uxanduva kwabaqeshi bexesha kunye nokunyusoluxa lwerhafu.

Ukwakha kwi-STP, i-ATO inweba indalo yayo yamanani ukuquka ingxelo yexesha lokwenene yeminye intengiso, njengentlawulo yeshishini kunye nentengiselwano. Injongo yinkqubo yerhafu esetyenziswa ngogcino-lwazi apho i-ATO ingahlola kwaye ibuyele ngomgudu omncinci wokuhlawula irhafu. Le thambo loluvo liyimfuneko ekulawuleni umthamo okhulayo kunye nokuntsonkotha kwemali kuqoqosho lwanamhlanje.

Ukucingela ugcino-lwazi kunye neNqaku yokuFunyelwa kobuQhophololo

Umlinganiselo wogcino-lwazi olukhoyo ku-ATO ukhule ngokungqinelana, kwaye iNgxelo yeMali ithenge kakhulu kwinkqubela phambili yezobugcisa kunye nobuchule bokwenziwa ukuguqula le data ibe zizilumkiso ezisebenzayo. IATO ngoku isebenzisa iimodeli zokufunda umatshini ukuchonga iipakethi ezinokubonisa ukubhaqwa kwerhafu, irhafu enzima, ukuphepha, okanye ukuthatha inxaxheba kwizoqoqosho ezifihlakeleyo. Umzekelo, [FLT: 0] Imodelince esebenzayo [ i-Compliancescence [ isenokuxela amathuba okungalinganiswa kwengeniso ekhoyo yeshishini okanye umntu ngamnye, evumela ukusetyenziswa okunempumelelo kokuthengwa kwemali.

Ezi zixhobo zikwasetyenziselwa ukufumanisa ukuqhatha kobuqhophololo, ubusela, kunye nokukhohlisa. Ngexesha lesifo se-COVOID-19, i-ATO isebenzisa ugcino-lwazi ukuchonga kunye nokuvala izigidi zeerandi kumsebenzi ogcina umkhosi nowokukhohlisayo. Njengoko ubuchule obungeyonyani buqhubeka buziqhelanisa, iNgcingela iziphumo ezithelekelelwayo zomngcipheko kunye nongenelelo oluzizii-octal, nangona kufuneka zilinganisele ezi khono kunye nezixhobo zobugocigoci kunye namalungelo okuhlawula irhafu.

Unxibelelwano olunengxelo kunye nogcino-lwazi lwexesha lokwenene

Ngapha kwebhaso elingumqulu, iMoney iqhubela phambili ukuba kubekho uphando olubanzi lwemeko-bume yexesha lokwenene yolwabelana ngogcino-lwazi lwerhafu phakathi kwamashishini, amaqumrhu emali, kunye neofisi yerhafu. Iziqubulo ezifana ne- Consmumer Data ekunene (CDR), enika ii-Australias ukulawula kwii-data zabo zebhanki, zinezicelo ezinokwenzeka kulawulo lwerhafu. Umzekelo, uthengiso lwexesha lokwenene lwentengiso lungavumela u-ATO ukuba lunikezele kumsebenzi wangaphambi kokusebenza kweshishini kwaye ibuyisela iindleko ze-GST, icutheza iindleko kunye nentengiso. Imali ikwakuhlola ukusetyenziswa ukunikela ingxelo yerhafu, ukususwa konyaka ukusuka kwimodeli eqhubekayo yenteleko yale mihla.

Utshintsho Lokwenza Irhafu Ibe Lula

Ukunciphisa Intlupheko Nemingxuma

Utshintsho lwerhafu luyisiseko esisisiseko seqhinga leTreator lokuphucula ingeniso. Injongo kukudala inkqubo elula, ekhanyayo, nenzima ukuyisebenzisa. Kwiminyaka elishumi edluleyo, iBhunga lithathe uhlolo oluninzi kunye nohlolo olujoliswe ekususeni intelekelelo engeyomfuneko, ukuqinisa imithetho echasene nomthetho ophelelwe lixesha, nokudibanisa unyango lwerhafu kwimisebenzi efanayo yezoqoqosho. Umzekelo, [[FLT: 0]] umgaqo woMthetho we-Tax (Ulawulo lwendlela Elula) umqulu wokususa imithetho engekho mthethweni, nokungawufuni kakuhle irhafunxa evelileyo, enziwe ngaphandle kokuvelisa iinzuzo zezoqoqosho.

Sekunjalo, iingcinezelo zezobupolitika nezezokhuseleko zidla ngokuphazamisa ukukhutshwa koondisholo. Uveliswa-mali uyaqhubeka exhasa utshintsho olwandisiweyo, njengokujoliswe kwintlawulo engcono yokufumana irhafu, ukuthethelela iingenelo zerhafu, nokulula isiseko se-GST. Utshintsho ngalunye luqwalaselwa ngenyameko ngempembelelo yalo kwintsebenziswano, impumelelo, kunye nengqibelelo yengeniso.

Isicwangciso serhafu nemithetho yerhafu 3

Irhafu yengeniso yomntu siqu ihlala ingumthombo omkhulu wengeniso karhulumente, kunye nesakhiwo sayo siphembelela ngqo ukuhlawula irhafu kunye nokuthobela. Isicwangciso serhafu semali yerhafu yobuqu, emiselwe ngokwemigangatho, sijolise ekunciphiseni izibiyeli ezibhabhayo, ukrwelo lomlinganiselo werhafu, kunye nokwandisa izikhuthazo zokuncedisa abasebenzi. Irhafu 3 inciphisa irhafu [[[[FLT]:1], izimisele ukuthatha inkqubela-phambili nokunyusa irhafu, ukubhinqisa i-ntrafu emalunga no-mali ehlawulwa yimali efunyenweyo.

Iventi yemali kufuneka ilungelelanise umnqweno wokwenza lula nokuncitshiswa kwexabiso kunye nemfuno yengeniso eyaneleyo yokuxhasa iinkonzo zabemi abalupheleyo. Ukufuzisela okuqhubekayo kunye nophuhliso lwenkqubo kuza kufuneka ukuqinisekisa ukuba imimiselo yerhafu yobuqu ihlala ifanelekile njengoko iimeko zezoqoqosho ziguquka.

Iindlela zokukhuthazwa kwerhafu yeshishini

Kwishishini, iTreasure ifuna ulungiso lwerhafu ngomlinganiselo ofana noyi- ekhoyo yokubhala-okanye (ngokungakongezwayo ngexesha lesifo), yenza imithetho yonyuko, kunye nomgangatho omncinci werhafu yeshishini othelekelelwayo. Iphulo eliceliweyo Intengiso yemali yemali yentengiso i-BMPP [ inkqubo esetyenziswa kugcino-lwazi olugqithisiweyo ukunceda amashishini aqonde indlela iziphumo zerhafuthezo ezithelekisa ngayo oontanga boshishino, inika ukhuthu lwentelelo olungcono nokugcina ingxelo engcono.

Olunye utshintsho olubalulekileyo lulwando lwakutshanje kwi-asethi ekhawulezileyo yokubhala ingeniso engekhoyo kumashishini amancinci ukuya kwii-$200,000, ezinciphisa imfuneko yempahla entsonkothileyo elandelelwayo. Ezi zinyathelo zokuthobela ziphantsi iindleko kwaye zikhuthaza utyalo-mali, kodwa kufuneka zihlolwe rhoqo ukuqinisekisa ukuba azisetyenziswa kakubi okanye azibizi mali intlawulo eninzi kakhulu.

Unyanzeliso kunye nolungiselelo lokulungelelanisa

Uphicotho-zincwadi olusekelwe kwingozi kunye neengxubusho ezijoliswe

Ngoncedo olulinganiselweyo lophicotho-zincwadi, i-ATO isebenzisa isiseko esisekelwe kumngcipheko ukubeka iliso lemisebenzi yayo. Abaqeshwa berhafu abaphezulu bahlawulelwayo/abo banemicimbi entsonkothileyo, abaceba irhafu ngogonyamelo, okanye imbali yokungaqeshwanga , okanye yokungancitshiswa kwerhafu. Le ndlela ye-ATO isebenza kakuhle ekutshintsheni ukuziphatha nokunika ingeniso ngaphandle kokwandisa inani lee-aditions.

Kumashishini amancinane naphakathi, iATO isebenzisa ugcino-lwazi olubonisa iibhedi ezingaphezulu (ngokomzekelo, amashishini axela iindleko ngaphezulu okanye ingeniso ephambili ngaphantsi kwemithetho yoshishino. Iintsomi ezijoliswe kwimiba yezoshishino ziqhutywa zisebenzisa iileta ezizihambelayo okanye iifowuni phambi kokuba zinyuke zifikelele kwimiba epheleleyo. Le ndlela inciphisa ukuphazamiseka kwamashishini angenayo xa kujoliswe izibonelelo apho umngcipheko umkhulu khona.

Imali kunye nokuhlawulwa

Ukunyanzelisa okunempumelelo kuxhomekeke kwisisongelo esiqinisekileyo sesohlwayo. Iveksi ivelise izigwebo ezinzima zokuphepha irhafu, kuquka zombini izigwebo zoluntu nezezaphuli-mthetho. Ichaphazelo lokuLahla uMsebenzi woMsebenzi kunye [[FLT]] nethiyathiyo elingooMandle I-Intellimenti Imisebenzi yoMsebenzi we-ofisi yerhafu [[FLT]] I-onkelamssstiki yerhafu] iphazanyise kwaye igweba ityala lerhafu enzima. Ukongeza, ukungaphumeleli ukubuyela okanye ukubhalisa i-GST kuye kwanda, kwaye i-ATO ifumene amandla okuvala amatyala erhafu erhafu enzulu.

Noko ke, iMonel iyaqonda ukuba ingqeqesho egqithisileyo inokuba yiziphumo ezingalindelekanga, ingakumbi kumashishini amancinci ajongene nobunzima bokwenyaniso. Ikhuthaza ukuthobela [[FLT: 0]] imodeli yomsebenzi apho ukubotshwa kwangaphambili nokuxhaswa kwabahlawuleli abatsala nzima kubekwa kumthetho onzima okhawulezileyo. Ukusetyenziswa kwezicwangciso zokuhlawula, ukucuthwa kwezigwebo zokuzithandela, kunye namalungiselelo akhuselekileyo oncedo loncedo lwamashishini amancinane kuthintelwa ekusebenzeni ngokusesikweni.

Intsebenziswano yezizwe ngezizwe notshintshiselwano lolwazi

Ukuphepha irhafu nokuphepha kusoloko kunemilinganiso enqamlezene nomda. INgxowa-mali, ngapha kwe-ATO, ithatha inxaxheba ngokukhutheleyo kwimimiselo yotshintshiselwano lolwazi lwezizwe ngezizwe, njengolawulo lwamazwe ngamazwe lwe- i-Common Reporting Standard (CRS) ukwenzela ukutshintshisana okuzenzekelayo kolwazi lwetyala lemali kunye nolawulo lwe-ARCT lwengxelo ye-ARP [CCRD] ulawulo lwamazwe ngamazwe ngamazwe. La malungiselelo anika u-ATO olungenakubonwa ngaphandle konxweme kunye nemisebenzi yabaxhasi-mali, okubala amathuba abalulekileyo engeniso ebhankiweyo.

I-Australia ikwanesivumelwano esiqinileyo sezivumelwano zerhafu kunye nezivumelwano zokutshintshiselana ngerhafu (TIEA) kunye nemithetho engama-90. Ingxoxo kunye nokuhlaziya ezi zivumelwano ukuquka amalungiselelo achasene nomthetho-mthetho nokuqinisekisa ukuba ukutshintshiselana ngolwazi kuyasebenza kwaye kuyasebenza. Intsebenziswano yeendawo ezininzi ibalulekile ekuthinteleni irhafu ngeeakhawunti zebhanki, iinkampani zamaqokobhe, kunye neempahla zamanani.

Imfundo Yaselubala Nombutho Wokuzithandela

Ukwakha Ukukholosa Ngenkqubo Yerhafu

INgxelo yeMali iyaqonda ukuba ukuqokelelwa kwengeniso ende kuxhomekeke ekuthobeleni ngokuzithandela, nto leyo efuna ukuthenjwa kwabantu bonke kwinkqubo yerhafu nokusebenza kwayo. Ngoncedo lwe-ATO, iMoney yenze amaphulo athe kratya emfundo kawonke-wonke ukuchaza iimfuno zerhafu, iincopho ezikhoyo, kunye neziphumo zokungabhaliswanga. I-Time yonyaka efuna ukuthenjwa nguwonke-wonke kwinkqubo yerhafu, lonkqesho olucacileyo lokhokelo kubantu ngabanye, ngelixa inika i-Dismodyss Busity trans transmesss jources [[FLT]]

Ukholo lukwaqiniswa kukubonakala. I-ATO ipapasha ulwazi lwemida yerhafu egawulweyo, iingxelo zomsebenzi, kunye nohlolisiso lwemeko lweziphumo zokuthobela. Oku kuvula ityala kunceda abaqeshwa ukuba bafumane ukuba inkqubo isetyenziswa ngokuzingisileyo kwaye ii-dola zerhafu ziyasetyenziswa ngokunempumelelo. Uhlolisiso lubonisa ukuba ukukholosa nge-ATO kuhlala kuphezulu ngokuthelekisa nabanye abameli bakarhulumente, kodwa ukuveliswa komrhumo werhafu nengqibelelo kuyimfuneko ukugcina loo ntembelo.

Ubandakanyeko loLuntu neZibonelelo

Ivektal kunye ne ATO ivelise uluhlu lwezixhobo kunye nezibonelelo zamanani ukunceda ababuthi berhafu ekuphumezeni iimfuno zabo. iqonga leGov elidityaniswe neenkonzo ze-ATO kwi Internet livumela abantu ukuba babonise ulwazi lwabo lwerhafu, iimpendulo, kunye nokuphatha amatyala ngokufanelekileyo. iPortralication inika abaqeshi-o-ooomati, kuquka ulawulo lwerhafu, irelayelelo, iGSTS ukunika ingxelo, kunye nokulungisa amatyala.

Kwabo bafuna inkxaso eyongezelelekileyo, iinkqubo zemali zoncedo lwerhafu yoluntu, ezifana ne Uncedo [[FLT: 0] olunoncedo oluncinci lwenkqubo yabantu abafumana imali ephantsi kunye nenkqubo yeTregi yolonke yesizwe yeKliniki yeKhawulo lerhafu [ kumashishini amancinane nabantu abangakwaziyo ukufikelela aqeqeshiweyo. Ezi zinyathelo zinciphisa inkqubo yerhafu elulayo ngempazamo, ingakumbi kuma-Australia abuthathaka.

Uhlolisiso Lwetyala: Ukusetyenziswa Okuphumelelayo Kotshintsho

Ukusebenzisa KweATO Izinto Ezinemichiza Ephambili

Umzekelo onamandla wokuthobela ubugcisa obusetyenziswa yiATO ekusebenziseni ugcino-lwazi olufanayo nokufumana ingeniso exeliweyo phantsi kwengxelo yokwabelana ngezoqoqosho. Ngokudibanisa ugcino-lwazi kwiqonga elifana ne-Airbnb, i-Uber, kunye ne-ATO iyakwazi ukwenza ingeniso ephambili ephambili kwingeniso yabantu ngabanye kwaye ithelekise ezi ngxelo noko ababuthisi-mali bakubhengezayo. Le ndlela iphambili ikhokelela ekufumaneni ingeniso engundoqo nasekunyuseleni kwemvume yokuzithandela kwabasebenzisi beqonga.

Enye impumelelo yinkqubo ye-ATO echaphazele i-Ingxubene ye- kumashishini amakhulu. Isebenzisa ugcino-lwazi olunenkqubela phambili olusetyenziswayo, i-ATO ichaza iingozi zerhafu ezivelayo ekuqaleni kwe-$ofana nokuthunyelwa kwerhafu okanye amalungiselelo adibeneyo anzima okanye angahambelaniyo qha, kwaye ibandakanye neenkampani ezichaphazelekayo ukucombulula iingxaki ngaphambi kokuba zikhule. Olu cwangciso lunconywe ngoo oonozakusebenza ngerhafu kunye noontanga bamazwe ngamazwe ngamazwe ngokuphumelela kwayo ekuphuculeni ukhuthulo olukhulu lwerhafuno ngaphandle komsebenzi wophicotho lwezo lwezo.

Umsebenzi Onzima

Ingxelo yokugqibela ye-Black Economy Taskforce ngo-2017 yancomela imilinganiso engaphezu kwama-80 yokulwa noqoqosho olufihliweyo. Iziphumo ezingundoqo ziquka ukunikezelwa kweNkcubeko yokuNika ingxelo ngemali [[FLT: 0] eNgamandla] yeNkcubeko yeposi [ yenkonzo yokucoca (ngoku eyandisiweyo kweminye ishishini), ukuvalwa kokuhlawula imali exabisa imali e-R1 000 okanye ngaphezulu kwimisebenzi ekhoyo, kunye nezigwebo ezinyuswayo kubaqeshi abahlawula abasebenzi "icash esandleni" ngaphandle kwerhafuthelo lerhafu. Le milinganiso idityaniswe ngokudityaniswe kunyuso olunyukileyo kunye nokuthintelwa kwemali efihlakeleyo, nto leyo enegalelo kunyuswa kunyuko olugqithiskayo kubungakanani bezoqoqosho.

Ucelomngeni Namathuba Azayo

Ukuhlawulwa kwerhafu esetyenziswa ngemali yamanani

Unyuko lwe-crypocurrencres, imali ebekelwe ingeniso ephantsi, kunye nezinto ezithelekelelwayo zinika imingeni yengeniso encinane. Iintengiselwano kwimpahla yamanani zinokungabi nagama kwaye zinqamleze i-bon-linen, zizenze kube nzima ukulandelela kunye nerhafu. I-ATO inike isikhokelo sokuphatha irhafu yerhafu yerhafu, eziphatha njengendawo yemali yenkokhenkxa yerhafu, kodwa ukunyanzeliswa kwazo kuhlala kunzima. Imali iyaqhubeka ihlola ukunokwenzeka kwemali ephakathi yebhanki (CBDCC) kwaye inyusa izicwangciso zokusebenza kwemiqathango ukuzisa intengiso yamanani kwindawo evulekileyo. Unxulumano lwezizwe ngezizwe ngezizwe ngezizwe lusebenzisa i-Crypto-ARFramedioced (CFFFF) ichazwa kakuhle kwaye i-omati yoomati yoota-ota-omatiestiestiesties (C)

Irhafu Yokusingqongileyo Nokufunxa Ikharbon

Njengoko iAustralia itshintsha uqoqosho oluphantsi, iNgxelo yeMali ijongene nocelomngeni lokwenza izixhobo zengeniso ezinokunyusa imali kunye nokutshintsha kokuziphatha. Ngoxa inkqubo yekharbon i-prigratice yaphinda yalungiswa ngo-2014, urhulumente sele esebenzise i- ukukhusela ukusetyenziswa kwe-Mechan ukukhupha okukhulu kwentengiso kunye nentengo zemekobume exhomekeke kurhulumente. Ukuqokelelwa kwengeniso kwixesha elizayo kungabandakanya irhafunxa yekharbon, iinguquso, kunye nemali yebhanki. Ubuchule be-overenti ye-oyile yokuyila nokuqhuba ezi rhafu zintsha buza kubaluleka ukufikelela usukelo lwemeko-meko-meko-ntle ngaphandle kokuzinzisa uqoqo.

Ukuqokelelwa kwerhafu

Xa ijonge phambili, iMoondrey iqikelela inkqubo yerhafu apho uqokelelo oluninzi luzihambelayo. Inkqubela-phambili kubuntlola obuzenzekelayo, ukunika ingxelo yexesha lokwenene, kunye nokudityaniswa kogcino-lwazi olungenamthungo kungaphelisa imfuneko yokubuyiselwa kwerhafu yonyaka kubantu abaninzi kunye namashishini. IATO’s I-Visition 2025+ indlela echaza indlela "yomthendeleko esebenzayo kwindawo engasemva" ngomgudu omncinane wokuhlawula irhafu. Ngeli eli thuba linika impumelelo enkulu, likwanyusa imibuzo ebalulekileyo ngemfihlo, ukhuseleko, kunye nendima yomhlawula-rhafu kwinkqubo ebonakala isiba luncumo oluninzi. Umbango uya kufuna ukuba aqhube ezi ngxaki ukuze agcine ezi ngxaki kulawulo lwezithuthi ze-omfomsmore.

Isiphelo

Ukufikelela kweNkcitho yemali ye-Australia kuxhomekeke ekubekeni intsebenziswano nemfundo, ibonisa ukuntsonkotha kwezoqoqosho zale mihla. Ukusukela ekulweni nokungahlawulwa kwerhafu nokuzuza ukuguqukela ekusebenziseni ubugcisa bezobugcisa bezobugcisa nokulungisa inkqubo yerhafu, iNgxelo yemali isoloko iqhelanisa nocelomngeni olutsha kunye namathuba. Impumelelo yayo ixhomekeke ekulinganiseni okuneengozi nemfundo, impumelelo kunye nokungaguquguqukiyo, ukusebenza kwasekhaya kunye nentsebenziswano yezizwe ngezizwe ngezizwe. Njengoko uqoqosho lwezoqoqosho lutshintsha ulwaluko, ukuguquka kwamanani, kunye neemfuno zemekobume, kunye nokuhlala kudinga ukwenziwa kophuhlisolwazi olutsha nokusabela. Ngokuhlala phambili kwiinkqubo ezilula nezikhulisa ingqibelelo, i-Australia ilungele ukulondolo oluzinzileyo oluzinzileyo lwesizwe, uqoqo lwentlanga lwentlalo-ntlalo-ntle yesizwe, kunye nolukhobo kawonke-wonke-wonke.