Umahluko Osisiseko Phakathi Konyanzelo Nokusetyenziswa Kwamandla

Kwinkqubo yomthetho, ukunyanzelisa nokuthobela kusoloko kuphazanyiswa kumacala amabini engqekembe enye, kodwa kumela iindlela ezahlukeneyo zokufikelela isimilo esisemthethweni. I-odokisi kukuxilonga, ukuhlawuliswa, iintengiso, kunye nezitshutshiso ezohlwaya ukungagqibeki emva kwesibakala. Ikhompathimente yinkqubo yangaphakathi, uqeqesho, ukujonga, kunye nemilinganiselo esebenzayo ethintela ukwaphulwa komthetho ngaphambi kokuba kwenzeke. Zombini zibalulekile, kodwa ke, ukubeka umlinganiselo ofanelekileyo ngomnye wezona ngxaki zingapheliyo, amashishini, amashishini, kunye nemibutho yecangameli kawonke wonke ijongene.

Umthetho osebenzayo awuveli ekulawuleni omnye phezu komnye. Xa ukunyanzelisa kunzima kakhulu, kubangela ingqumbo, ukuchasa, kunye nesithethe sokuthobela okuncinane, "ilungiselelo" yenza kwanele ukuphepha isohlwayo kodwa ukuphoswa komthetho. Xa ukuthobela kushiyelwa kwisenzo sokuzithandela, ukuchasana okusasazekileyo kusenokuphelisa ukuthembana noluntu kunye nokuthembeka kwentengiso. Usukelo luyinkqubo esebenzayo apho ukunyanzelisa ukuthotyelwa kwemithetho ethobelanayo kuxhasa isithethe esinamandla, sentsebenziswano.

Ukuqonda Inyanzelo: Amandla Okulungisa

I-octracted ibhekisela kwi-Arhente yeNkcubeko yoKhuselo lweNgqongqo-ntle yeNkcubeko neNkcubeko (EPA), iSecurities and Exchange Commission (SEC), kunye namagunya ezoqoqosho ehlabathini lonke axhomekeke kwizenzo zomthetho zokuzikhusela.

Iindidi zezenzo zokunyanzeliswa

  • Ukunyanzelisa – Iintlawulo, izigwebo, izityholo zolwaphulo-mthetho, kunye nelayisensi yokurhoxiswa kwemithetho yokugweba abenzi bobubi nokuthintela abanye. Umzekelo, i-EPA’s Policy ye-ovil Penalty isebenzisa umxhuzulane wesisohlwayo esisekelwe kumhlaba (6) esinyuka ngomlinganiselo kunye nobude bokwaphulwa.
  • [[Umthetho:0] Ukunyanzelisa ukunyanzelisa – Imiyalelo efuna iinkampani ukuba zilungise ukwaphulwa, zilungise umonakalo, okanye ziphumeze ulawulo olutsha. Imimiselo yekonsole idla ngokudibanisa amanyathelo okulungisa nokuqwalasela okuqhubekayo.
  • Ukunyanzelisa okuphangaleleyo – Inkcazo, uphicotho-zincwadi, kunye nokujongwa okubonisa okokuba kungaphulwa kwasekuqaleni. I-Occupational Safety and Administration (OSHA) isebenzisa uhlolo olucwangcisiweyo olujolise kushishino oluphezulu.

Xa Kunyanzelwa Ukuba Kuphinde Kutshiswe

Ukuxhomekeka ngokugqithiseleyo ekunyanzelweni komthetho kungenza iziphumo ezingacwangciswanga. Kwamanye amashishini, ulawulo lwezohlwayo olunobundlobongela lukhuthaza “ukuthobelana ngokusemthethweni”""-ukunamathela ngokungqongqo kwileta yomthetho ngoxa ulwaphula injongo yayo. Uhlolisiso lwemigaqo yokhuseleko emsebenzini lufumanise ukuba emva kokuveliswa kwentengiso, ezinye iziko zinciphisa ukuxelwa kweziganeko ezincinane, ezikhokelela kunyuko oluphantsi kokhuseleko (Bensert & Cogliane, 2005). Umthetho osebenzayo ngoko kufuneka ulungiswe, ucace, uxeke.

Indima Yokuxhasa: Ukwakha Isiseko Sokuthembana

Iqumrhu lizibonelelo zangaphakathi ezenza imibutho ikwazi ukuhlangabezana nomthetho, umgaqo-siseko, kunye nemigangatho yokuziphatha. Iquka uhlolo lomngcipheko, ulawulo lwangaphakathi, iinkqubo, uqeqesho lwabasebenzi, kunye neenkqubo zokuhlola. Umsebenzi wokuthobela oqolileyo udlulela ngaphaya kokuhlola iibhokisi ($its's ingcinga yokuzimisela kwisigqibo semihla ngemihla.

Amalungu eqela lenkqubo

  • [[UMTL:0] Imigangatho elishumi kunye nemigaqo-nkqubo – Ikhowudi yehambo, imigaqo echasene nobriji, imithetho yokhuseleko logcino-lwazi, njalo njalo.
  • [[UMTL:0] Ukuqeqesha kunye nonxibelelwano – Intlanganiso ezithe rhoqo zabasebenzi kuwo onke amanqanaba, ezilungele indima [1] Umngcipheko ocacileyo.
  • [[UMTL:0] Ukujija kunye nokuphicotha – uhlolo lwangaphakathi lokufumana ubuthathaka okanye iiflegi ezibomvu.
  • ubuchule bokuchaza – iintambo eziyimfihlo okanye iindawo ezisecaleni apho abaqeshwa banokuphakamisa inkxalabo ngaphandle koloyiko lwempindezelo.
  • [[Umthetho:0] unyanzeliso kunye noqeqesho[[FTL:1] – iziphumo ezingaguqukiyo zokwaphulwa kwenkqubo, kuquka abaphathi kunye nabalawuli.

Isalathisi somsebenzi

Ngokuqhubekayo, imibutho ikujonga ukuthotyelwa kungeyonto ehlawulwayo kodwa njengenzuzo yokhuphiswano. Iinkampani ezineengxelo ezinamandla ezithobelayo zitsala abanikazi bemali, zikhusela ukufikelela lula kwikomkhulu, kwaye zijongene nokungaphazamiseki okuninzi kolawulo. Iibhanki kunye namaqumrhu emali, inkqubo eyomeleleyo ye-AML (antipantantala) inokuthintela amawaka ezigidi ngentengo nangomonakalo odumileyo. Iifayile ze-FiNCEN zivulile indlela eziyekelela ngayo ukuthobela kwimibutho emikhulu engekho mthethweni elungele ukusetyenziswa kwemali, iqinisekisa ityala leshishini lokuthobela ngokusemthethweni.

Uxinezeleko Phakathi Konyanzelo Nokusetyenziswa

Ukunyanzeliswa nokuthotyelwa kusekho kuxinezeleko olungokwemvelo. Izenzo zokunyanzelisa zidla ngokuchaphazeleka kophawu lokungathobeli-mthetho (*.ukuba ukuthobela bekusebenze, akukho kwaphulwayo okunokwenzeka. Oku kukhokelela abanye abalawuli ukuba bafune ukuthotyelwa kufuphi nokugqibelela okungagqibekanga, ngexa abanye besebenzisana. Uxinezeleko olufanayo lubonakala kwimibutho: abalawuli bangakuxhathisa ukugcinwa kwemali de umsebenzi wokugcina inyathelo unyanzele ukuba benze okuthile.

Ulungiso loMsebenzi weNkqubo

Umthetho wokunyanzelisa ukunyanzelisa ukusebenza (umz., ukurhoxiswa kwephepha-mvume okukhawulezileyo kuko nakuphi na ukwaphulwa) kungadala uloyiko kunye nezilumkiso. Kwenye intsebenziswano egqithisileyo, okanye “winłwin” ummiselo ungasilela ukuthintela abaphula umthetho abanzulu. ECD] icebisa indlela yokulawula esabelayo yokusebenza kwe-appray: ukuqala ngenthso kunye nezilumkiso, ukukhula ekuvunyweni nasekugwetyweni kuphela kwemiqathango engoziyo okanye engografikiyo, kwaye irhoxiswa xa ukuziphatha kwayo kuphucuka. Le mizekelo ichaza imfuneko yemimiselo ye-carrot nen.

Ukulungelelanisa unyanzelo kunye nokukhuselwa

Ukufikelela ulungelelwano olufanelekileyo kufuneka ubuchule obusekelwe kwi-grafib elungelelanisa imeko-bume yeshishini ngalinye, indlela yokuziphatha yezinto ezilawulwayo kunye nobuncwane bolawulo. Nazi iindlela eziqinisekisiweyo:

Umngcipheko [1] Osekelwe Kukumiswa

Abaphathi abanobunqongophele bobunqongophele bobugoci-gosa kufuneka bajolise ingqalelo kumacandelo aphezulu, kwimizekelo yezoshishino, okanye kwihambo. I-UK’s Financial Inteality Authority (FCA) isebenzisa “iingozi zenkqubo yehlelo” ezinikezela ingqalelo kubaphathi kunye nabasebenzi bemimandla enomonakalo omkhulu onokwenzeka okanye umonakalo wentengiso. Oku kulawula ukunyanzeliswa kokunyanzeliswa apho kubaluleke kakhulu, ngelixesha kuvumela amankampani asezantsi e-karorisk axhomekeke kakhulu ngakumbi kwinkqumzazo.

Iibhokisi zentlabathi ezilawulayo kunye neeNkqubo zesikhokelo

Izixhobo ezisetyenziswayo zivumela iifektha ukuba zivavanye iimveliso ezintsha okanye iinkqubo ezilula phantsi kwemfuno ezithotyelweyo, phantsi kokhuseleko olunamandla kunye nojongo. Umzekelo, [[FLT: 0] ibhanti le-fintech yosasazo ye-'SEC''''''''''''''''''' inceda iinkampani ezivelayo ukuba zisebenze ngaphandle komthwalo opheleleyo wokuthobela, ngelixesha abalawuli befumana ulwazi kwimingcipheko eguqukayo. Le ndlela isebenzisa ubhexexeko lokulungelelanisa izinto, ixhaswa ngumthetho xa unikezelo.

Uqokelelo logcino-lwazi oludityanisiweyo kunye nonyanzelo

Ubugcisa butshintsha umlinganiselo. Abalawuli basebenzisa i-data ngokuqhubekayo ukufumanisa ii-atalies (umz., iipateni ezingaqhelekanga zorhwebo, izikhonkwane zongcoliso) kunye nohlolo oluchanekileyo. Ngeli xesha, iifemu zosasazo lweRegtech izisombululo ezisetyenziswayo, ukuchaza okuzenzekelayo, ukunqanda ugcino-lwazi, ukuvala i-iblockchain ukwenzela iindleko zokuphicotha kunye nokusebenzisa i-meterrametic. Oku kunciphisa ulungiso lomthetho ngokujika kwincoko eqhubekayo, i-data-etablehay.

Ucelomngeni Ekunyanzelweni Nasemnyangweni

Nangona kukho iinjongo ezintle, imibutho elawulayo nelungelelanisayo ijamelana nemiqobo engapheliyo.

Izixokelelwano zikavimba kumacala omabini

Amaziko alawulayo asoloko esebenza ngoqingqo-mali olusilela emva kwentsonkotha yoshishino abajongele kulo. I-U.S. Consumer Financial Protection Bureau (CFPB) iye yabona ukuba imali exhaswayo kunye nemigangatho yabasebenzi iyatshintsha ngokuphawulekayo, inciphisa amandla ayo okuqhuba uvavanyo olucokisekileyo. Ngokufanayo, amashishini amancinane naphakathi asenokungabi namali yokwakha isebe elinobuchule bokuthobela ngokupheleleyo, ibangele uxanduva oluphezulu lomthwalo.

Ukwahlulwa komgaqo-siseko kunye nokuwa ngaphezulu

Amasebe amaninzi asebenzisana ngolawulo adala udideko nokungasebenzi kakuhle. Intengiselwano yemali enye ingathotyelwa kwi-SEC, CTC, iFCEN, kunye nemithetho yomgangatho karhulumente. Ukunikezela imvume yokunqumla i-silos kubiza imali eninzi, kwaye ukunyanzelisa kusenokuvela xa abameli befuna imigaqo eyahlukeneyo. U.S. ofisi ye-Akhawunti yoRhulumente (GAO) ibalase umqobo wokungavumelani njengomqobo wokusebenza nokuthobela.

Utshintsho lobugcisa

Ubuxhakaxhaka buguqula ngokukhawuleza kuneencwadi zemithetho. I-Cryptocurrencives, i-AÍgradiven isigqibo sokwenza, kunye ne-gig hieconomy plattings zicela iindidi kunye neenkcazelo ezikhoyo. Abalawuli kufuneka bagqibe ukuba banyanzelise imithetho emidala kwiimeko ezintsha (ngokufuthi zingelula) okanye balibazise ukunyanzeliswa kokumiswa kwemithetho ngeli xesha kuphuhliswa iisekwekhiwo ezintsha", zombini zithwala iingozi. Amaqela e Compiliance azama ukuhlala enyuka, nto leyo ekhokelela ekuphathweni ngempazamo ngempazamo.

Ulawulo neNkcubeko

Xa abalawuli besondela kakhulu kushishino abalujongeleyo, ukunyanzelisa kusenokuphela. “Ukujikeleza ucango” iindlela zokusebenza."Apho amagosa angena kwimisebenzi yamashishini − angenza inkxwaleko. Ngokuchaseneyo, impucuko elwayo yokunyanzelisa iinguqu ekufihlekeni kunokuba isebenzisane. Indlela elungeleleneyo ifuna ikhusi elifana nelokubasebenzi abajikelezayo, ukujongela ngokwabo, kunye nemithetho yokuqinisekisa ukuba izinto zisebenza ngaphandle kombane.

Izenzo ezilunge ngakumbi zokwakha inkqubo yolawulo olulungeleleneyo

Xa usebenzisa imizekelo yomhlaba wonke nophando lwemfundo, ufumana iindlela ezifanelekileyo zokulawula imibutho.

1. Bhala Imithetho ecacileyo, enokulinganiswa

Ubuchule buzala ulawulo olungadibaniyo. Abalawuli kufuneka basebenzise ulwimi olucacileyo, banikeze imizekelo, kwaye banikeze izixhobo zokusebenzisana ukunceda iifemu eziqonda iimbopheleleko. Umzekelo, i-UK’s Health and Safety Development (HSE) ipapasha ukhokelo lwecandelo le-Placemescope ngokucacileyo "i-" kufuneka isetyenziswe. “aphoa" ulwimi, ukunciphisa ukungaqiniseki.

2. Zibophelele Kubantu Abanemiqobo

Imithetho ephuhliswayo ekwahlukaniswe kuyo idla ngokuphosa iliso kwizinto eziluncedo. Amaxesha okugqabaza koluntu, iikomiti zolawulo, kunye neenkqubo zomqhubi zivumela abalawuli ukuba bavavanye uqikelelo kunye nokulungisa phambi kokuba kuqaliswe ukunyanzeliswa. I-Australian Prudial Regatection Aguvertive Accountment (APRA) igcina ushishino oluthe rhoqo luxubusha ngeengozi ezivelayo kunye nolawulo.

3. Sebenzisa Izenzo zonyanzelo olunyusiweyo

Asiyontsabelo efanayo. Ukunyanzelisa abaphumeleleyo kumele kuphendulwe ngendlela efanayo. //ukuqalisa ngokuqwalasela, kwandule ke ukulumkisa ngeeleta, izigwebo zoluntu, kwaye ekugqibeleni ukutshutshiswa kwabezolwaphulo-mthetho − kunika amafemu ithuba lokuzilungisa ngokwawo. ISebe leJaji leCriminal’s Criminal Division lisebenzisa inkqubo yokunyanzelisa inkampani, evuza ukutyhilwa kokuzithandela nentsebenziswano nesohlwayo encitshisiweyo.

4. Ubuxhakaxhaka bobunewunewu bamacala omabini

Abalawuli bangasebenzisa umatshini wokulawula ukufunda ukudubula iflegi kugcino-lwazi olukhulu, ngeli xesha iinkampani zisebenzisa iqonga elisebenzisa i-octives ukuqwalasela ukuthengiselwana, ukulawula inkqubo, kunye nokuvelisa iingxelo zexesha le-2002. Ukudityaniswa kweeplatfomu (umz., iinkqubo ze-EU zemiqathango) zinciphisa ukwenziwa kweprojekthi kwaye ziphucula ucoselelo.

5. Ukukhuthaza Ukhuphiswano Lokuzithandela

Imfundo kunye nezizathu ezikhuthazayo. Abalawuli banganika “iinkqubo ezikhuselekileyo zezibuko” zeenkampani ezisebenzisa ulawulo oluphambili. Amanye amasebe apapasha iibhodi ezibonisa izenzo zonyanzelo, ezinceda iifemu ezithobelayo zizichaphazele. Ukhuseleko lwangaphakathi lokubetha impepho lukwakhuthaza ukufunyaniswa kweengxaki ngaphambi kokuba zikhule.

Isifundo Setyala: IKomishini yoTshintshiso (SEC)

Umzekelo ofundisayo wokulungelelanisa ukunyanzeliswa kolawulo kunye nokuthobela kusuka kwindlela ye-SEC yokutyhila inkampani. Emva kwengxaki yemali yowama-2008, izenzo zonyanzeliso lokwandiswa komthetho wokuchaphazeleka, kodwa kwakhona kwavela i-SCON]C Compliance Umbangiselo woluvo olukhoyo [[ ukufundisa iinkampani kunye nabaquququzeleli bazo. [ii-atracs transfties] ezithi zifundisa iinkampani kunye nezikhuphisayo. Ngokunjalo, i-"'inte ezithi zifumana izigwebo ezincinane [[[FLT] ezithiweyo] ngoku ngaphandle kokuzimisela izikhundla.

Ikamva: Ukuza Kuphinda Kubonwe

Ukuququzelela iziphumo zenkqubo kuthembisa ukubuyisela umlinganiselo woluvo. Sisuka “kubuchule nokubohlwaya” sisuka kwimodeli ye-“deficity kwaye sithintele”, yenziwe ngogcino-lwazi kunye nobukrelekrele obungeyomvelo.

Izinto ezixelwa kwangaphambili zokunyanzelisa

Abalawuli basebenzisa i-Al ukuchonga iipateni zokwaphulwa kwexesha elizayo . njengokuqeshwa okungaqhelekanga kwabasebenzi abathobelayo ngaphambi kwexesha lokugcina ixesha, okanye ukunikezela ngo-‘chain amomalias ekunikeni ingxelo yemekobume. Oku kuvumela ungenelelo lonyanzelo phambi kokuba kwenzeke ingozi. I-European Secturaties kunye ne-ASCreats Aguements (EMA) iye yasebenzisa izixhobo ze-Al ukusetyenziswa kakubi kweflegi kumaxabiso ngexesha lokwenene.

Ulungiso oluqhubekayo lwe- Compliance

Endaweni yophicotho-zincwadi, ukugada okuqhubekayo kokuthobela kusebenzisa i-AP Is kunye nothintelo ukuqinisekisa ukumanyana ngexesha lokwenene. Umzekelo, i-FDA yoLawulo lweFood kunye neDrugs (FDA) ihlola izivumelwano ezikrelekrele ezinyanzelisa iimfuno zokuchaza ukunikezelwa kwetsheyina. Oku kunciphisa umthwalo wokunyanzelisa ngokubona ngokukhawuleza.

Ujikelezo olunamandla kunye nemisebenzi yesakhelo elungisayo

Imithetho yekamva ingazilungisa ngokwayo ngokusekelwe kumgangatho womngcipheko okanye kwiimeko zemarike. Umzekelo, iimfuno zekomkhulu zeebhanki zinokuqiniswa ngokunamandla xa ziboleka ukukhula okugqitha kumda othile. Ukufakela izakhiwo ezinjalo kufuna iplani ecwangcisiweyo ngocoselelo ukuze kuphephe iziphumo ezingacwangciswanga, kodwa zingaguqula ukunyanzeliswa kwemithetho ukusuka kwincwadi emileyo ibe lulwelo, inkqubo esabelayo.

Intsebenziswano Yazwenibanzi Nokuvisisana

Njengokuba ishishini liba libanzi, ukunyanzelisa imisantsa. Izinto ezifana ne iPrinciples ze Core Core eBanking Empcelified Bank Super Federation zikhuthaza imigangatho yokugcinwa kogcino-mthetho engaguquguqukiyo. Ukunqamleza komda wento edibanisa (umz., ukudlula kwi-Malifashoni) kunceda abalawuli ukuba banyanzelise imithetho kwanaxa abachaphazeli besebenza ngaphaya kwemithetho.

Isiphelo: Ubuchule bokuphinda ulungelelene

Ukunyanzeliswa nokuthotyelwa akuzizo izixhobo ezichaseneyo kodwa zizixhobo ezisebenzisanayo kwibhokisi yezixhobo zolawulo. Iinkqubo ezisebenzayo ziyaqonda ukuba ukunyanzelisa okungqongqo komthetho kukodwa akunakudala isithethe sokuthembeka, kwaye ukuthobela ngokuzithandela ngaphandle komthetho othembekileyo kuya kuxhatshazwa. Ukulungelelana kuyaphunyezwa ngokubonakala, ngomngcipheko, ngokufaka isibambi-manani, nangokusebenzisa inkxaso yezobugcisa. Abalawuli abakwaziyo ukumelana nokusingqongileyo apho amashishini anokukwazi ukuvelisa khona ngokutsha nokukhula ngoxa begcina ukukholosa kwabo. Intlangano, yona, kufuneka ijonge ukuthotyelwa kungengawuthwalisi umsebenzi owehlaziweyo kodwa njengomsebenzi okhusela ilayisensitimenti yabo. Ekupheleni, injongo ayikuqhubeli oko ngenxa yayo, okanye ukulawulwa kwexabiso layo, kodwa ikukuzibophelela ngokweendleko, kodwa ikukusebenza ngokuzibophelela komthetho wonke umntu.