Table of Contents

I-Australian Treasure ime njengesiseko solungiselelo lokulungisa ubume bemali kunye noqoqosho lwelizwe. Njengoko urhulumente ekhokela ucebisi lwezoqoqosho, uNondyebo enika icebiso kuRhulumente nakwizixhobo kunye neenkqubo zokuphumeza ezomeleleyo nezingasikelwayo ukuze kuphumeze iziphumo zezoqoqosho nezemali ezizinzileyo kubantu base-Australia. Indima yayo ekuphuhliseni imimiselo yemali ephumelelayo iquka ukwenziwa kwemiqathango yemali, ukwenziwa kwemiqathango, ukucebisana ngemiqathango, ulawulo, kunye nolungelelwaniso lwezizwe ngezizwe ngezizwe. Ukuqonda indlela isebenza ngayo kunye neenkqubo ezisetyenziswayo ukwenza imimiselo yemali eqinileyo ibalulekile kuye kwafuneka kuye nabani na onomdla kumgangatho wezoqoqosho nolwando lwe-Australia.

ISibonelelo soMsebenzi weNkcitho ye-Ostreliya

I-Australian Treasure isebenza ekudibaneni kwenkqubo yezoqoqosho, ulawulo lwemali, kunye nomthetho wemali. Uthengiselwano kunye nohlaziyo lwenkqubo yezoqoqosho, iqonda urhulumente neemeko ezizinzileyo, kwaye isabela ngokukhawuleza kwiziganeko ezitshintshiweyo kunye nemigaqo. Le ndlela ibanzi iqinisekisa ukuba imimiselo yemali ayiphuhliswanga ngokwahlukana kodwa endaweni yoko idityaniswe kwiinkqubo ezibanzi zezoqoqosho.

Imisebenzi Ephambili Ekulungiseni Imali

Iimbopheleleko zeNkcitho yemali zininzi kwaye ziyadityaniswa. Ezi ziquka ukuseka iinkqubo zemali ezikhuthaza ukukhula okuzinzileyo kwezoqoqosho, ukuphuhlisa ulawulo oluqinisekisa ingqibelelo yezorhwebo, ukulawula ingeniso nenkcitho karhulumente, ukunyamekela iinkqubo zerhafu, nokuqinisekisa inkqubo yokhuseleko olunamandla lwabathengi kwiinkonzo zemali.

Kulwakhiwo lolawulo lwase-Australia, iimbopheleleko zozinzo lwemali zabelwa abameli abane abaphambili e-Australia – i-RBA, iGunya loMlawuli woLawulo (APRA), iKhomishoni kunye neZiko le-Ostreliya (ASIC), kunye neBhunga leBhunga lezeMali eliquka ii-Phondo ze-Phondo le-Intecial Regullators (CFR). Le nkqubo yesivumelwano iqinisekisa ukuba ukuphuhlisa okuzingenelo lomgaqo-siseko singenelwa kubuchule neembono ezahlukeneyo.

UNondyebo ujongene nokucebisa uRhulumente ngozinzo lwemali, kuquka umgaqo-siseko wezemali, ukusabela komgaqo-nkqubo wokunceda ukunciphisa impembelelo yezoqoqosho, kunye nayiphi na inkxaso efunekayo kaRhulumente kwizigqibo. Le ndawo yendima njengendawo yenkcubeko yezomthetho yenkcubeko yemali ye-Australia, ukusebenza ngokusondeleyo kunye nabaququzelela abalawuli abasebenzayo ukuguqulela iinjongo zenkqubo kwimimiselo eluncedo.

Ukulungelelaniswa kolawulo lwezemali

I-CFR yeyona ntlangano ilungelelanisa iqumrhu labalawuli bemali base-Australia kwaye ixhotyiswe yiRBA, isebenzisana kwaye isebenzisana namalungu amaziko, ngenjongo epheleleyo yokukhuthaza uzinzo lwenkqubo yemali yase-Australia kunye nokuxhasa ulawulo olusebenzayo nolusebenzayo. Eli lungiselelo liqinisekisa ukuba inkqubo yokuphuhlisa inkqubo kaNondyebo ihambelana nobuchule bomsebenzi kunye nobuchule bolawulo lwe-APLA kunye nobuchule bolawulo.

APRA igxininisa kumgaqo wobulumko weebhanki, ii-inshorensi, kunye nemali eninzi, lo gama i-ASIC inomthwalo wembopheleleko wokuhlola, wokulawula nokumisa imibutho yeenkonzo zemali, nokukhuthaza ukuthembeka kwemarike kunye nokhuseleko lwabathengi kwicandelo leenkonzo zemali. Indima kaNondyebo ixhasa la maqumrhu ngokuphuhlisa iinkqubo zenkqubo ezilawula ngokugqithisileyo asebenza kuzo.

Inkqubo yophuhliso lomgaqo-nkqubo: Ukusuka kwiNcapho ukuya ekuzalisekiseni

Ukuphuhlisa imimiselo yemali ephumelelayo kufuna indlela elungelelanisiweyo elungelelanisa iinjongo ezininzi: ukukhusela abathengi, ukulondoloza ukuzinza kwemali, ukukhuthaza uphuhliso, ukuqinisekisa ukuba ukhuphiswano lwamazwe ngamazwe, nokukhuthaza iinkqubo zorhwebo ezifanelekileyo. I-Otherine iphucule inkqubo yayo yokuphuhlisa ulawulo kangangamashumi eminyaka ukuquka ezona zenzo zilungileyo kwinkqubo yenkqubo kunye nezibambi-mali.

Ukubona Iingozi Eziqhubekayo Neenkqubo Eziza Kuqala

Isigaba sokuqala kuphuhliso lomthetho sibandakanya ukuphawula iingozi ezivelayo, uphuhliso lwemarike, kunye nezithuba zenkqubo ezifuna ulawulo. Le nkqubo ichaza imithombo emininzi yolwazi, kuquka ugcino-lwazi lolawulo lwezorhwebo oluvela kulawulo, uphuhliso lwezemfundo yehlabathi, uphando lwemfundo, ingxelo yezoshishino, kunye nohlalutyo lwezicwangciso zemali.

Ukunyusa ukubonakala nokusebenzisana, iGrid ePhuculwayo (RIG) ephucula ukubonakala kokuzayo kweenguqu kwicandelo lemeko yemali kunye nokuqinisa ukuganana phakathi kwecandelo, uRhulumente kunye nabalawuli, ukudwelisa uludwe olubhengeziweyo nolungiso oluthe lwaziswa kunye namanyathelo okuguqula izinto anokuchaphazela icandelo lemali kwiminyaka emibini ezayo. Oku kujongwa phambili kunceda abathathi-nxaxheba balungiselele iinguqu zemithetho yolawulo kwaye kunike amathuba okusetyenziswa kwasekuqaleni.

Uyilo lomgaqo-nkqubo kunye nohlalutyo olusekelwe kubungqina

Xa imfuneko yolawulo ithe yafunyaniswa, iBhunga leNkcubeko lithatha uhlalutyo lwenkqubo ukuze kwenziwe iimpendulo ezifanelekileyo zomgaqo-nkqubo. Oku kubandakanya ukuhlolisisa ezona zinto zilungileyo ehlabathini lonke, ukuvavanya iindleko neengenelo zeendlela ezahlukeneyo zokulawula, ukuqwalasela iziphumo ezinokubakho kwabathathi-nxaxheba kwiintengiso ezahlukeneyo, nokuqwalasela imingeni yokuzalisekisa.

Inkqubo yokuyila igxininisa ukwenziwa kobungqina obusekelwe kwisigqibo. Uveliswano lwemali luye lufake kwiziphumo zophando lwezoqoqosho, uhlolo lomgaqo-nkqubo, kunye nohlalutyo logcino-lwazi ukuqinisekisa ukuba imimiselo ecetyiweyo inokuba nenjongo efunekayo ngaphandle kokwenza imithwalo engafanelekanga okanye iziphumo ezingacwangciswanga.

Uvavanyo lomntu onesibambi esiziintloko

Uhlolo lilelona siseko lenkqubo yophuhliso lolawulo. Uveliswano lukaNondyebo luthatha inyathelo lokunxibelelana kunye nokuxilonga kwinkqubo yerhafu kunye nomthetho olungiselelwe uRhulumente, kwaye le nkqubo yokuhlola ikwandiswa kuzo zonke iinkalo zolawulo lwemali. Inkqubo yokucela uncedo isebenza iinjongo ezininzi: ukuqokelela ubulumko obusebenzisekayo abathathi-nxaxheba kushishino, ukuchaza imingeni enokwenzeka yokuzalisekisa, ukuxhasa umgaqo-siseko, nokuqinisekisa ukuba ukwenziwa kwenkqubo eyahlukeneyo yokwazisa.

Uveliswano usebenzisa iindlela ezahlukeneyo zokunxibelelana ezixhomekeke kwindalo kunye nokuntsonkotha kwesicelo solawulo. Ezi ziquka amaphepha okunxibelelana noluntu amema ukuthotyelwa phantsi okubhaliweyo yimibutho enomdla, ukujongwana namacandelo athile oshishino okanye amaqela obuchule, iingxubusho ezidityanisiweyo ezidityanisela abagcini-matyala abahlukeneyo, umthetho wedrafti ovumela iinkcukacha zobugcisa, kunye nengxoxo eqhubekayo kunye namaqumrhu elinamaqumrhu aphezulu oshishino kunye nabaxhasi babathengi.

Ubunzulu bokukhangelwa bunokuba luncedo. Umzekelo, ama-91 athotyelwa ukusetyenziswa kwemaphu yomqondiso, ebonisa ukuganana okubalulekileyo kwabalawuli bemiqathango ekuveleni kwemiba yokungaqondakali kwicandelo. Ngokufanayo, iincathulo ezili-165 zafunyanwa kwicandelo lokuqala lokubuza kwicandelo lokulinganisela izinto ezingundoqo, kunye nemigangatho emalunga ne-120 efunyenwe kwicandelo lesibini.

Imithetho yokubuyisela esekelwe kwi-odback

Emva kokudibana, iNgxelo yeNkcitho ihlolisisa ngenyameko ingxelo yomgcini-mathiriyeli wemiqathango yokulungisa izicelo zomthetho. Le nkqubo yocuphiso isoloko ibandakanya imijikelo emininzi yokukhangelwa, ingakumbi ukwenzela iinguqu ezintsonkothileyo okanye eziphikiswayo. Uxanduva lwe-oyile yemiqathango ekhutshwayo, ivavanya ukufaneleka kwemibandela, kwaye ichaza iingcebiso ezifanelekileyo zokucombulula iingxaki ezisemthethweni ngoxa igcina iinjongo ezingundoqo zenkqubo.

Inkqubo yocombululo ibonisa ukuzinikela kovelisi kwimiqathango esebenzayo, esebenzayo. Umzekelo, ekuphuhliseni imigangatho yolawulo lomngcipheko, abalawuli benza uhlengahlengiso olubalulekileyo olusekelwe kwingxelo yoshishino, kuquka ukunikezela ngemiqathango egqithisileyo yexesha lokuzalisekisa izinto ezithile kunye nokhokelo olubhekisa kwimfuno zokuthobela kunokuba kujoliswe kwizenzo ezingcono ezinqwenelekayo.

Inkqubo yoPhuhliso loMgaqo-siseko nePalamente

Xa inkqubo igqitywe, umthetho weCandelo weNkcubeko uzalisekisa iinguqu zomgaqo-siseko. Oku kubandakanya ukuguqulela iinjongo zomgaqo-nkqubo kulwimi oluchanekileyo lomthetho, ukuqinisekisa ukuhambelana nomthetho okhoyo, nokulungiselela izinto ezichazayo ukuze ziqwalaselwe kwipalamente. Inkqubo yowiso-mthetho inika amathuba awongezelelekileyo okuhlola ngeendlebe neengxoxo zekomiti yepalamente.

Imizekelo yakutshanje yomsebenzi womthetho kaNondyebo iquka iSindululo soMthendeleko (Umthetho weMali weMali weZibonelelo kunye nezinye izicwangciso) iBhili engenisa utshintsho olubini olubalulekileyo: iimfuno zemo yezulu ezinyanzelekileyo kwiinkampani ezinkulu nakumandla amatsha ukwenzela abalawuli abalungisi bemali e-Australia ukukhusela izibonelelo zemali kwisiganeko sengxaki.

Ukunikezelwa kweNkxaso

Umthetho osebenzayo ufuna okungaphezulu kunokudlulisa nje umthetho. Umthetho weMoove usebenza nabaphathi-mikhosi abasebenzayo ukuxhasa ukuphunyezwa kolawulo ngokusebenzisa izinto zokhokelo, ukubonelela ngamathuba okuguqu-guquka ukuze kuthotyelwe, kuqwalaselwe uhlolo, nokuvavanywa enoba imimiselo iphumeza iziphumo ezicetyiweyo.

Imfuno eziqalisa ukufikelela kwisigaba, ukuqala kweyoku-1 kweyoMqungu 2025 ukwenzela ukutyhilwa okunxulumene nemozulu, kubonisa indlela ukwenziwa komsebenzi kaNondyebo okuvumela ngayo izakhiwo ezifunekayo ukuba zivelise iinkqubo neenkqubo ezifunekayo.

Amanyathelo Okumisela Notshintsho Kutshanje

Ulawulo lwemali lwase-Australia lusoloko lufuna ukucombulula iingozi namathuba avelayo. UTsheya-mali ibiphambili kumanyathelo abalulekileyo amaninzi abalulekileyo omgaqo-nkqubo kwiminyaka yakutshanje, ebonisa indlela eqhuba ngayo kwimiqathango yemali.

Ukungachazi mali

IMali i-Regime Accounting Regime Act 2023 yasungula ulawulo olunye lokuphendula kwimiqathango ye-APRA elawulwayo, kuquka iibhanki, ii-inshorensi nabaphathisiweyo abathenjiweyo, efuna ulawulo olucacileyo nokunika ingxelo ngeembopheleleko. Lo rhulumente umela iinguqu ezingundoqo kwindlela ukuphendula okucwangcisiweyo ngayo kumaqumrhu emali.

IFAR imisela uxanduva olomelezekileyo kunye nolungiselelo lokuphendula kujoliswe ekuphuculeni ulawulo lwezithethe ezilawulayo ze-APLA-rekhodis, abalawuli babo, kunye noninzi lwabalawuli abaphezulu, izalisekisa ezinye zeengcebiso zengxelo yoLokugqibela yeKhomishoni yobukumkani kwiMiscipecial kwiBhanking, iSupernuation kunye ne-Malifemial Services. Oku kubonisa indlela iCetal eguqulela ngayo izifundo kwicandelo lemali elingekho mthethweni kwiinguqu zemeko.

Imali edityanisiweyo enyibilikileyo enyibilikileyo emozulu

Ukuqonda ukubaluleka okukhulayo komngcipheko wemeko-bume, iNgxelo yezimali iphuhlise iimfuno ezibanzi zokutyhila. Uvezi-mali ukhuphe umthetho wedrafti ukwenzela ukutyhilwa kwemeko-bume okunxulumene nemeko-bume enxulumene nenkcitho, ngokusekelwe kwimigangatho ye-IFRS ISSB, ukuqalisa ukusukela kunyaka wama-2026 wemali ukwenzela izinto ezinkulu zemali, ugqithiselwe kwabanye ngokuqhubekayo.

Le mithetho mitsha imisela umngcipheko wemozulu ye-Australia, kuquka ukuphuhliswa kwemigangatho yokunika ingxelo ngezizwe ngezizwe ngebhodi yemigangatho ye-Australia enika ingxelo. Le ndlela iqinisekisa ukuba iimfuno zokutyhila i-Australia ziyahambelana nemigangatho yezizwe ngezizwe, ukuchaphazeleka kogcino-mali kunye nothelekiso.

Izixhobo Zokukhupha Igesi Nezicombululo

Ukwanda okukhawulezileyo kwempahla zamanani kunye nolawulo kufuneka uTshenxiso lwemali luphuhlise ngokupheleleyo ukwakhiwa kweenkqubo ezintsha zolawulo. I-Asset kunye ne-Tokenty Relief Platforms Bill 2025 ichaza iiklasi ezintsha ezilawula imisebenzi: i-Asset Platforms (Ii-DAP) kunye ne-Tockentertion Bohanbody Platforms (TCP), kunye ne-DAP ezifuna ukuvalwa kwemingxube apho zikhona, ukulawula okanye ukurhweba ngezinto zamanani abaxhasi, ngelixa iTCP ziza kulawulwa xa kunikwa imvume yokugcina inzala, izikopoko okanye iinkonzo zokukhulula ezinxulumene nezixhobo eziveliswe kwizixhobo ezithenjiweyo.

Le nkqubela-phambili ibonisa indlela kaNondyebo yokuvela kobugcisa: ukwenza iiseko zenjongo ezifanelekileyo ezicombulula iingozi ezithile ngexesha ukuvumela uhlaziyo luqhubeke. I-oyile ifuna ingxelo evela kubagcini bemiqathango kwisiseko sobume bendalo ukwazisa intelekelelo esekelwe kwimo-siseko, ukuthengwa kwabathengi kunye nokuphuhliswa kobuchule benkqubo.

Ukwenziwa kwenkqubo yokubhatala kule nkqubo

Iveliswa-mali ibisebenza ekulungiseni inkqubo yokuhlawula ye-Australia ukubonakalisa utshintsho lobugcisa kunye nemizekelo emitsha yoshishino. Iinguqu ezibalulekileyo ngoku ziyaphuhliswa kwiinkonzo zemali zase-Australia, kuquka phantsi koMthetho weSigqibo soLawulo lweTsheyama 2025 (Izicwangciso zeDigita kunye neManyano yeQhinga leNkcubeko loMsebenzi 2025.

Ityala lemali lifuna ukuzalisekisa iimfuno zokuhlawulwa kweenyanga ezili-18 emva kokumiswa komthetho, linika abathathi-nxaxheba kwezoshishino ixesha elaneleyo lokulungiselela iimfuno ezintsha zolawulo.

Ukukhusela Iinguquko Ezibangelwa Ngabathengi

Uveliswano lwemali luyaqhubeka lunyusa ukhuseleko lwabathengi kwiimarike zokuthenga ngetyala. I-Ostreliya ikhupha ipakethi yokucebisana neyokudibanisa iiBhili zeRoddom zeLow-Cost Centre (LCCC) kunye nokuthenga ngoku, iNguquko kamva (BNPL) ezilungiselelwe ukunikela ukhuseleko oluphuculiweyo lwabathengi ngokulawula izicwangciso neemeko abaxhasi abanokuzidlulisa phantsi kwazo ezi zinto zemali.

Ezi nguqu zibonisa ukusabela kweTree yezorhwebo ezilungisayo. Ngoku, Thenga, hlawulela iinkonzo zamva zanda ngokukhawuleza kwiminyaka yakutshanje, kwaye iTree ishukumile ukuqinisekisa ukuba abathengi abasebenzisa ezi nkonzo bafumana ukhuseleko olufanelekileyo ngaphandle kokupheliswa kweli candelo.

Ukusetyenziswa kwemali echaseneyo neTrorrism

Umthetho olwa noMsebenzi weMali ne-Treversting kunye noMthetho we-Finanspost Finanzism uyaqhubeka nokuxhasa ukuhambelana kwe-ML/CTF, kunye notshintsho lweTranche 2 olunwebela ububanzi bayo kumagqwetha, oovimba kunye nabameli beendawo. Olu lwandisiweyo luthetha ngezithuba ezime kude kwiAustralia ye-AML/CTF yesiseko senkqubo ye-Ostreliya kwaye luzisa i-Australia kulungelelaniso olukufutshane lwemigangatho yezizwe ngezizwe ngemithetho yeSebe yomsebenzi wemali.

IPalamente yagqithisa iAnti-Mali Launding kunye neNkqubela-buphengululi Bokuhlaziywa kweNkqutyana yeMiphetho yoMgaqo-nkqubo 2024, isenza utshintsho olukhukulisayo kurhulumente we-Australia wangoku we-AML/CTF ngokuhambelana nemigangatho yezizwe ngezizwe, kunye notshintsho olucwangciselwe ukuqala ngomhla wama-31 kweyoKwindla 2026.

Ukulungelelanisa uHlahlo kunye noLawulo loMngcipheko

Omnye wemisebenzi enzima kakhulu kaNondyebo kukuthelekisa ukukhuthazwa kophuhliso lwemali kunye nolawulo lobungozi kukhuseleko lwemali kunye noncedo lwabathengi. Olu mlinganiselo lubaluleke ngakumbi kwimimandla ejikeleza ngokukhawuleza enjengelinye iphintech, impahla yamanani, kunye nenye indawo ebolekisa ngayo.

Ukuxhasa ukuhlaziywa kwezemali

UTshembeko lweNkcubeko luyavuma ukuba ukuphucula ukufakwa kwemali, nokuphucula ukhetho lwabathengi. Ngoko ke ulawulo kufuneka lulungelelane ngokwaneleyo ukulungiselela iimodeli ezintsha zoshishino kunye nobugcisa ngexesha lokulondoloza imigaqo efanelekileyo.

Ulwandiso lweCDR yeNkcitho yemali luzakwandisa ugcino-lwazi olucacileyo ngaphaya kwababoleki abangengobabhanki, luphucule ukhuphiswano kunye nolawulo. Ugcino-lwazi lweConsumer Luyindlela entsha yokufumana ulwazi olunika abathengi amandla ngeli xesha kuvela amathuba okuthenga amatsha.

Abalawuli bayavuma ukuba i-Al inamandla ngexa ijolise ekulawuleni nakwiziphumo zabathengi, ngesicwangciso se-ASIC soMgaqo-phantsi 2024-2028 esichaza i-AI njengendawo ephambili ecwangcisiweyo. Le ndlela yokukhangela phambili iqinisekisa ukuba isiseko solawulo siguquka kwicala lenkqubela-phambili.

Ukulawula Iingozi Ezimandundu

Ngoxa ixhasa uphuhliso, iNgxelo yeNkcitho kufuneka ibone ize ithethe ngeengozi ezivelayo ngaphambi kokuba isongele abathengi abazinzileyo okanye abenzi bomonakalo. Oku kufuna ukujongwa okuqhubekayo kweentengiso, uhlalutyo lwamava ehlabathi lonke, nokuvuma ukungenelela xa kuyimfuneko.

Ngaphantsi kwemithetho emitsha, abalawuli baye bandisa amandla okulawula iingozi zezemali, kuquka amandla okucombulula ingxaki kwisakhiwo esihlaziyiweyo nesakhiwo sokuhlalisa. La mandla ongezelelweyo aqinisekisa ukuba abalawuli banokukwazi ukuphendula ngokunempumelelo kwiimeko ezimaxongo zemali.

Iibhokisi zentlabathi ezilawulwayo kunye nocwangciso olugotyiweyo

Iverhe yemali ixhase ukusetyenziswa kweebhokisi zesanti ezilawulayo nezinye iinkqubo ezivumela ukulawulwa kokuvavanywa kweemveliso neenkonzo ezintsha. Ezi ndlela zinceda abalawuli ukuba baqwalasele indlela imizekelo emitsha yezoshishino esebenza ngayo phambi kokuba benze imigaqo ebanzi.

Iintlobo ezithile zezinto ezikhoyo kunye nemisebenzi, uNondyebo uphuhlise iindlela zolawulo ezifake imiyalelo elungelelanisa iimfuno ezikhoyo. Oku kuqinisekisa ukuba izinto ezikhoyo ezincinane okanye eziphantsi azikho phantsi kwemithwalo enzima egqithisileyo ngeli lixa ugcino olufanelekileyo lwamaziko abalulekileyo.

Ulungelelwaniso lwezizwe ngezizwe nolungelelwaniso lomgca wokunqamleza

Iimarike zemali ziya zisanda, kwaye umgaqo wemali osebenzayo ufuna ukulungelelaniswa kwezizwe ngezizwe. Uveliswano lwemali lunendima ephambili ekuqinisekiseni ukuba umgaqo-nkqubo we-Australia uyavisisana nemilinganiselo yezizwe ngezizwe ngoxa uhlala ufanelekile kwiimeko zasekhaya.

Unxulumano nemibini ebekwe jikelele

INgxelo yeMali inegalelo ngokukhutheleyo kwiiNkcubeko zeMali eziphuhlisa imigaqo-nkqubo yezemali, kuquka iBhodi yeMali, iKomiti yeSiseko kwiBhanki Ephezulu, iZizwe Ezimanyeneyo zeSebe, kunye neMali ye-Akhawunti yoMsebenzi woMsebenzi woMsebenzi. Oku kuqinisekisa ukuba iimbono ze-Australia ziyazisa imigangatho yehlabathi lonke kwaye uNondyebo zihlala zikho.

Ulwakhiwo lwemozulu ye-Australia lubonisa le ndlela yokuzilungisa yamazwe ngamazwe. Ngokusekela izifunekayo kwimigangatho yokuzinziswa kwe-IFRS, iBhunga lezimali liqinisekisa ukuba amaqumrhu ase-Australia anokuhlangabezana nolindelo lwasekhaya nolwezizwe ngezizwe, ukunciphisa iindleko zokuthobela kunye nokwenza utyalo-mali lwemida enqamlezayo.

Ulawulo lwemiba yomgaqo-siseko wokuyalela

Ubume bemisebenzi yemali yomhlaba wonke budala iingxaki ezintsonkothileyo zomda onqamlezayo. Uthengiselwano lwemali lusebenza ukuphendula ezi zinto ngamalungiselelo entsebenziswano kunye namalungiselelo enkxaso-mali, izivumelwano zolwamkelo, kunye neendlela ezilungelelanisiweyo zolawulo.

UTYALO oluthe lwanyuka lwabasebenzi bezoshishino bezemali bamanye amazwe olusuka kwimfuneko yokuba nephepha-mvume leenkonzo zemali zase-Australia kangangeenyanga ezili-12 ezingakumbi, lubonakalisa ukulungelelana ekulawuleni ukuguqukela kwiimfuno ezintsha zomgaqo-siseko weenkampani zamazwe ngamazwe.

Ukurhwebelana Ngengeniso Yorhwebo Lwehlabathi Lonke

Imimiselo yemali ecwangciswe kakuhle inyusa ubukhazikhazi be-Australia njengendawo yotyalo-mali ngokubonakalisa imeko-bume yemali ekhuselekileyo, ekhanyayo, nenobuchule bokuyilawula kakuhle. Umsebenzi wophuhliso lweNkcitho yemali uqwalasela indlela imithetho echaphazela ngayo ukhuphiswano lwezizwe ngezizwe nekhono lokutsala ikomkhulu leOstreliya.

Abatyali-mali behlabathi baxabisa ukulungelelaniswa komgaqo-nkqubo, ukungaguquguquki, kunye nolungelelwaniso nemigangatho yomhlaba wonke. Ukuzimisela kukaNondyebo ukucebisana, ukwenza inkqubo esekelwe kubungqina, kunye nolungelelwaniso lwezizwe ngezizwe kunceda ukwakha intembelo phakathi kwabatyali-mali behlabathi lonke kwaye kuxhasa ikomkhulu lingenelela kwizoqoqosho lwase-Australia.

Ukhuseleko Nengqibelelo Yabathengi

Ukukhusela abathengi nokugcina ingqibelelo yemarike zinjongo ezisisiseko zomgaqo-siseko wemali. Umsebenzi wophuhliso lweNkcitho yemali ugxininisa ngokubalulekileyo ekuqinisekiseni ukuba iimarike zisebenza kakuhle kwaye abathengi bakhuselwe kwihambo engafanelekanga nakwimveliso engafanelekanga.

Ukomeleza Ukhuseleko Lwabathengi

Iveliswa-mali iye yavelisa amanyathelo amaninzi okulawula ajolise ekukhuliseni ukhuseleko lwabathengi kwiinkonzo zemali. Ezi ziquka iimbopheleleko ezibolekisa ngemali ezifuna abobolekiweyo ukuba bahlole ilungelo lokubolekisa, ukwenziwa kwemveliso kunye nezibophelelo zokusasaza eziqinisekisa ukuba imveliso ijoliswe kubathengi abafanelekileyo, iimfuno zokutyhila ezinika abathengi ulwazi olucacileyo ngemveliso neenkonzo, kunye nenkqubo yesigqibo sokuphendula enika amayeza afikelelekayo xa izinto zingachananga.

IASIC ilindele ukuba kubekho ubuchule obufanelekileyo bokubeka imali kunye nolawulo olufanelekileyo kwanalapho amaqumrhu asebenza ngaphandle komgaqo wobulumko, eqinisekisa ukuba abathengi bakhuseleke ngokupheleleyo kwimisebenzi yemali.

Ukulungisa Ukuziphatha Okubi Kwemali

IKhomishini yoBukhosi kwiMiskipe kwiBhanking, iSupending kunye noHlaziyo lweeNkonzo zeMali yatyhila iimpazamo eziphawulekayo kwihambo yemali nenkcubeko. UNondyebo ube luncedo ekuguquleleni iingcebiso zeKhomishoni zolawulo lwekonkrithi.

IRegime yeMali, ulwaphuko olunyusiweyo lokunika ingxelo ngeemfuno, amandla onyanzelo abalawuli, kunye nemigangatho ephuculiweyo yolawulo zonke iziqobo ukusuka kumsebenzi weBhosalkile ukuchaza unobangela ongundoqo wehambo engafanelekanga eyaziwayo yiKhomishini yobukumkani.

Ukukhuthaza Ingqibelelo Yabathengisi

Iimarike ezifanelekileyo nezifanelekileyo zifuna imigaqo eqinileyo. Uveliswa kwemali kuqwalaselwa intengiso, ukurhwebelana, iingxwabangxwaba ezibangela umdla, kunye neminye imisebenzi ephazamisa ukuthembeka kwentengiso. Le mithetho isebenza ngokunxulumene nokujongwa kwamashishini e-ASIC kunye nemisebenzi yokunyanzelisa ukugcinwa kwentembelo kwiimarike zemali zase-Australia.

Imali elondolozwayo

Ukusingqongileyo, ulawulo lwentlalo, kunye nokuqwalaselwa (ESG) kuye kwabonakala kubaluleke ngakumbi kumgaqo-siseko wemali. Uveliswa-mali ebephuhlisa izicwangciso ezibanzi zokuxhasa inkxaso-mali exhasekileyo nokuqinisekisa ukuba iingozi ezinxulumene nemozulu zilawulwa ngokufanelekileyo.

Ulawulo lwengozi yemozulu

ICPG 229 ye-APRA kulawulo lomngcipheko wemozulu ifuna iibhodi ziqwalasele iingozi zemozulu ezinxulumene nemozulu njengenxalenye yemiqathango yemali njengenxalenye yesiseko somngcipheko. Inkqubo yogcino-mali iyayixhasa le nkqubo ngokudala ukwakhiwa okubanzi kolawulo lwemozulu apho ulawulo lwemozulu lunokwenzeka.

Umngcipheko wemeko-bume onxulumene nemeko-bume ungachaphazela uzinzo lwemali ngemijelo emininzi: ubungozi bokomzimba ukusuka kwiziganeko zemozulu ezimandundu kunye nokutshintsha kwemozulu, utshintsho olusuka kutshintsho ukuya kuqoqosho oluphantsi, kunye nomngcipheko wokuvela kwimeko-bume enxulumene nemozulu. Iinkqubo zolawulo lweTreante zijolisekile, zilinganiswe, ziphethwe kakuhle.

Iqhinga leMali eliSiseko

ITreeter ivelise iQhinga leMali eliSikeleleyo elinika isiseko sogcino-mali oluzinzileyo ekuboneleleni ngorhwebo oluzinzileyo. Ngeli xesha icandelo labucala lase-Australia liye lakhokela ekuphenduleni ukutshintsha-tshintsha kwemali okuzinzileyo, kukho indima ebalulekileyo yokhokelo lukaRhulumente ekumiseleni amaxhoba acacileyo, ukuphuhlisa ulawulo olunamandla lwemali, kunye nokwandisa urhwebo lweCatalytic Commonential Monocal ukunikezela ngemaketherial ecacileyo, intembelo kunye namakhono abawafunayo.

Eli cebo liquka iziqalelo ezininzi, kuquka iimfuno zemozulu, inkcitho yemali exhaphakileyo, izakhiwo zomanyano oluluhlaza, kunye neemfuno zokucwangcisa. Le nkqubo ibanzi iqinisekisa ukuba ukuqwalaselwa kwemali okungaxhaswayo kuyadityaniswa kuyo yonke inkqubo yemali.

Ukukhusela Ukuhlamba Okuluhlaza

Imisebenzi kufuneka iqinisekise ukuba izigunyaziso zotyalo-mali, izixhobo zorhwebo kunye nokungqinelana kwengxelo zithe rhoqo ngaphakathi, kunye nokulindela uxwebhu olubonisa ukuba i-ESG iqwalaselwe ekulawuleni nasekusebenzeni kwesigqibo, ingabonakaliswa nje ngolwimi lokuthengisa. Isiseko solawulo lukaNondyebo sixhasa oku ngokuseka imigangatho ecacileyo yeenkcubeko kunye neenkcubeko ezinxulumene ne-ESG.

Ucelomngeni ekuphuhlisweni kwezoqoqosho

Ukuphuhlisa imimiselo yemali esebenzayo kubandakanya ukuqhuba imingeni emininzi kunye nokuphuma korhwebo. Ukuqonda le mingeni kunika ukuqonda ukuntsonkotha komsebenzi weTree kunye nokulinganisela ngononophelo olufunekayo kwinkqubo yomgaqo-siseko.

Ubunzima bolawulo kunye nexabiso elithe kratya

Umgaqo-nkqubo wezemali uye waba ntsonkothile ngakumbi, ubonakalisa ubuntsonkotha beemarike zale mihla zemali kunye nokwahluka-hlukene kweengozi abalawuli abamele bazilungise. Kodwa ke, ukuntsonkotha kubangela iindleko zokuthobela ingeniso kwaye kunokwenza imiqobo yokungena kwabathathi-nxaxheba abancinane.

Kufuneka uvelise ngononophelo umthwalo onyanzelisayo obekwe yimithetho emitsha kwaye ufune ukucutha ukuntsonkotha okungeyomfuneko. Oku kubandakanya ukusebenzisa imimiselo esekelwe kwimigaqo apho kufanelekileyo, kubonelelwa ngokhokelo olucacileyo kunye nemizekelo, kuveliswe iimfuno ezilungelelanisiweyo kwiintlobo ezahlukeneyo zezinto ezikhoyo, kwaye kuqwalaselwe rhoqo imimiselo ekhoyo ukuchaza amathuba okufumana ukhuthuzo.

Ukuhambisana Norhwebo Olutsha

Iimarike zezentengiso zivela ngokukhawuleza ziqhutywa bubugcisa obuthile, zitshintsha izinto ezithandwa ngabantu abathengayo, zize zitshintshe nezo zisetyenziswayo.

Imbambano esebenzisekayo yababoleki abangengobabhanki kukulungelelanisa uhlaziyo lwemveliso oluthambileyo nokuthobela. Uveliswa kwemali uthetha ngalo mngeni ngokuqwalasela umgaqo-nkqubo rhoqo, ukuganana nabathathi-nxaxheba abatsha bezorhwebo, nokukulungela ukutshintsha umgaqo wokulungisa izinto njengoko kusenziwa iimarike.

Ukulungelelanisa Inzala Yeqela

Abaxhasi abahlukeneyo basoloko benenkcubeko ekhuphisanayo kwiziphumo ezilandelayo. Amaziko emali asenokubeka imigaqo eqinisekisiweyo kunye neendleko ezinokulawulwa, abaxhasi abachanekileyo bagxininisa ukukhuselwa ngamandla nokugcinwa komthetho, abatyali-mali bafuna ukuphumelela kwentengiso nokubonakala, kwaye urhulumente uqwalasela iziphumo ezibanzi zezoqoqosho nezolwaphulo-mthetho.

Iinkqubo zocwangciso-nkqubo zenkcitho yevelisi-mali zinceda ekuboneni nasekuqhubeni ezi zilangazelelo zikhuphisanayo. Kodwa ke izigqibo zolawulo ekugqibeleni zifuna ukususwa korhwebo olunzima phakathi kweenjongo ezikhuphisanayo. Indima yeNkcitho yemali kukwenza ezi ndleko zorhwebo zibe zezokukhanyela kwaye ziqinisekise ukuba zisekelwe kuhlalutyo lwesandi nakwinkqubo ecacileyo.

Ukusetyenziswa kweMimiselo yeXesha

Abathathi-nxaxheba kwiinkqubo zohlolo-lwazi babonise inkxalabo ngexesha elifanelekileyo lokusetyenziswa kweenkqubo zonyango, ngexesha lokutshintsha kwenkqubo maxa wambi kuthintelwa umlinganiselo kunye nohlobo lokuthetha olunokwenziwa. Uveliswa-mali kufuneka alungelelanise imfuneko yeempendulo zomgaqo-nkqubo ngexesha elifanelekileyo ukuvela kobungozi obuchasene nokubaluleka kokunxibelelana ngokucokisekileyo namathuba okuphumeza impumelelo eyaneleyo.

Ukuphunyezwa komgangatho ophantsi kusondela, amalungiselelo oncedo olutshintshiweyo, kunye nokhokelo olucacileyo oluphambili lunceda ekulawuleni olu cwangciso lunzima. IGridi eLawulayo imela indlela enye yokunika abathathi-nxaxheba bezorhwebo isaziso sangaphambili seenguqu ezizayo zolawulo.

Ikamva Lokubuyiselwa Kwemali EOstreliya

Xa ujonga phambili, iziphumo eziliqela kunye nenkqubela-phambili zidla ngokuyila umsebenzi wolawulo lukaNondyebo kwiminyaka ezayo. Ukuqonda le miba ivelayo kunika ingqiqo kwindlela eguqukayo yomgaqo wemali.

Utshintsho lobuxhakaxhaka bobuxhaka-xhaka

Ubugcisa bamanani buyaqhubeka butshintsha iinkonzo zemali, ukusuka kubuntlola obungeyoyamvelo kunye noomatshini bemfundo ukusasaza ubugcisa bokukhokela kunye nee-shirtrestary zamanani. Kuza kufuneka ukuba ivelise iinkqubo zokulawula ezisebenzisa iinzuzo zezi zixhobo zobugcisa ngoxa zilawula iingozi ezinxulumene nazo.

Ii-currencres zemali yebhanki esembindini, iibhanki ezivulekileyo kunye nogcino-lwazi, urhwebo lwemithetho-manani kunye nokhuseleko lwe-robo-advice kunye nokhuseleko lweziko lwekhompyutha zonke zimela iindawo apho iza kufuneka imigaqo yomthetho wenkqubo yezemali izenze zibonakale. Indlela yekota kule miba iyakuchaphazela ngokuphawulekayo indlela inkqubo yemali ye-Australia ekhula ngayo ngexesha lamanani.

Ukutshintsha Kwemozulu Nokuzinziswa Kwayo

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.

Inkqubela-phambili yolawulo lwexesha elizayo ingaquka imfuno eziphuculiweyo zokucwangcisa ukuguquka, ukutyhilwa kwemali okunxulumene nemali, ukusetyenziswa kwerhafu yemali exhasekileyo, kunye nokusetyenziswa kwemozulu ibe ngumthetho wobulumko. Umsebenzi weNgxowa-mali kule ndawo uza kunceda ekuboneni indlela ephumelelayo yenkqubo yemali ye-Australia exhasa ngayo ukuguquka kwezoqoqosho oluzinzileyo.

Ukusetyenziswa kwemali nokufikeleleka

Ukuqinisekisa ukuba bonke abantu base-Australia banolwazi ngeenkonzo zemali ezifanelekileyo kuseyinjongo ebalulekileyo yenkqubo. Umsebenzi wolawulo lweNkcitho uqwalasela indlela imimiselo echaphazela ngayo ukufakwa kwemali nokuba ngaba izicwangciso zolawulo zidala imiqobo engafanelekanga yokufikelela.

Oku kuquka ukuqwalasela iimfuno zabantu abangasetyenziswayo, ukuqinisekisa ukuba ukukhusela abathengi akuwakhuseli ngokungalindelekanga abathengi abasengozini kwiinkonzo zemali, ukuxhasa ukuphuhliswa okuphucula ukufumaneka kwemali, nokulungisa iingxaki zokungakhathalelwa kwemali kwiindawo ezikude nezengingqi.

Ubuxhakaxhaka bolawulo kunye nolwahlulo

Ubugcisa abuguquli nje kuphela iinkonzo zemali kodwa bukwalawula ngokwayo. Ubugcisa bolawulo (iRegtech) kunye nobugcisa bolawulo (iSikolo) bunika amathuba okuphucula ubuchule kunye nokusebenza komgaqo

Iveksi yemali ihlola indlela ubugcisa obunokuphuhlisa ngayo iinkqubo zolawulo ngohlolo lokuthobela ugcino-lwazi, uhlolo lomngcipheko, ingxelo yexesha lokwenene kunye nolawulo, kunye nomgaqo wokusebenzisa oomatshini. Ezi zibonelelo zingayitshintsha ngokuphawulekayo indlela umgaqo wemali osebenza ngayo.

Ukusebenza ngomlinganiselo wolawulo

Imigaqo ephuhlisayo linyathelo lokuqala; ukuqinisekisa ukuba iphumeza iziphumo ezicetyiweyo kufuna ukujongwa nokuxilongwa okuqhubekayo. Uveliswa-mali ebesebenza ukuqinisa indlela yokulinganisa ulawulo kunye nokufunda kumava okuzalisekisa.

Imisebenzi yeNkcubeko

Uhlolo lweposi luhlola ukuba imimiselo iyayifikelela na injongo yayo kwaye ichaza nayiphi na iziphumo ezingacwangciswanga okanye imingeni yokuzalisekisa. Ezi ngxelo zinika ingxelo ebalulekileyo enokuzisa inkqubela-phambili yolawulo kwixesha elizayo nokufumana amathuba okuphuculwa komgaqo-nkqubo.

IiNkcukacha zoNyaka eziBalulekileyo zoNyaka emva kokulungiselela ukusetyenziswa kweNkcubeko, ukuvavanya iindleko zokuthobela, ukuphumelela ekufikeleleni iinjongo zenkqubo, iziphumo ezingacwangciswanga, namava athenjiweyo. Ubuchule kwezi ngcaciso bunceda ekucoceni iindlela zokulawula nokuphucula inkqubela yenkqubo yexesha elizayo.

Ugcino-lwazi nobungqina

Uvavanyo olunempumelelo lufuna ugcino-lwazi olulungileyo. Uninzi lwezorhwebo lusebenza nabalawuli kunye noshishino ukuqinisekisa ukuba kuqokelelwa ugcino-lwazi olufanelekileyo ukuhlola iziphumo zomthetho. Oku kuquka ulawulo logcino-lwazi olunika ingxelo, inkcazo yemarike, ugcino-lwazi lokukhalaza kwabathengi, nokuthobela nokunyanzelisa ulwazi.

Uqokelelo logcino-lwazi kunye nobuchule bohlalutyo bunyusa amandla oNondyebo okwazisa amatyala avelayo, avavanye ukusebenza komgaqo-nkqubo, kwaye enze izigqibo ezisekelwe kubungqina. Oku kuhambisana namanyathelo karhulumente abanzi ukuphucula ukwenza izigqibo zogcino-lwazi kwicandelo loluntu.

Inkqubela-phambili Eqhubekayo

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.

Ukubaluleka Kokubonisana Ngokucaceyo Nokuziphendulela

Ukukholosa kukawonke-wonke ngomgaqo wemali kuxhomekeke ekucaceni nasekuziphenduleleni ngendlela imimiselo ephuhliswa ngayo ize yenziwe ngayo. Uveliswa-mali uye wasebenzisa iindlela ezahlukeneyo ukuphuhlisa ukubonakala nokuqinisekisa ukuba umele uphendule kumsebenzi wakhe wokulungisa.

Ukhuthuzo lukawonke-wonke nolubandakanyeko

Njengoko kuchazwe ngaphambili, ukucebisana kungundoqo kwinkqubo yokuphuhlisa ulawulo lweTree. Ngokunika amathuba okungeniswa kolwazi olusemgangathweni nokujonga ngenyameko ingxelo yabafaki-tyala, iBhosari iqinisekisa ukuba izigqibo zolawulo zixelwe ngeembono ezahlukeneyo nangengqiqo eziluncedo.

Iveliswa yamaphepha okuthetha nomntu, ukuthotyelwa (apho kungenziwanga nto ngasese), kunye neengcaciso ngendlela ukuphendula okuye kwaziphembelela ngayo izigqibo zokugqibela zomgaqo-nkqubo. Oku kunceda abachaphazeli baqonde indlela yokusebenzisa imithetho yokuzimisela kwaye kwakha intembelo kwinkqubo yolawulo.

Uhlolo lwempembelelo yolawulo

Imigaqo-nkqubo yemigaqo-nkqubo yenkcitho yemithetho elawulayo. Ezi zihlolo zihlalutya ingxaki eqwalaselwayo, ziqwalasele ezinye iindlela zokulawula, zihlole iindleko neengenelo zokhetho olwahlukileyo, zichaze nendlela echanekileyo yokusebenzisa indlela ekhethwe.

Uhlolo lwempembelelo yolawulo lunika inkqubo ecwangcisiweyo yohlalutyo lwenkqubo kwaye ludala ingxelo yoluntu yobungqina nezigqibo ezisisiseko ezilawulayo. Oku kukhulisa ukuphendula koovimba betyala kwaye kunceda ukuqinisekisa ukuba imithetho isekelwe kuhlalutyo olululo kunokuba isetyenziswe kwezobupolitika.

Uphando lwePalamente

Iinkqubo zePalamente zilungiselela iinkqubo ezibalulekileyo zokubeka ityala kwimigaqo yemali. Iikomiti zePalamente zihlolisisa umthetho ocetyiswayo, amagosa eTreence abuza ngezicelo zemigaqo-siseko, kwaye zinika imicimbi yezolwaphulo-mthetho ukuze zikhutshelwe ekuhleni.

Uthelekelelo lwemali luxhasa ezi nkqubo zepalamente ngokunikela izinto eziziinkcukacha, ukuvela phambi kweekomiti ukuphendula imibuzo, nokuphendula kwiikomiti ezincomelayo. Olu hlolisiso lwepalamente lunceda ukuqinisekisa ukuba izicelo zomthetho zifumana uvavanyo olucokisekileyo ngaphambi kokuba zibe ngumthetho.

Isiphelo: Inkqubo Eqhubekayo Yenkqubo Yokubuyiselwa Kwemali

Indima ye-Ostreliya yeNkcitho yemali ephumelelayo intsokothile, ijikelele, kwaye isoloko ijikeleza. Ngenkqubo yophuhliso lwenkqubo ecwangcisiweyo, uphicotho-zincwadi olubanzi, uhlolo olusekelwe kubungqina, kunye nokudityaniswa kwehlabathi lonke, isakhiwo solawulo esikhuthaza ukuzinza kwemali, ukukhusela abathengi, nokuxhasa uphuhliso lwezoqoqosho.

Imingeni ejongene nomthetho wemali iyaqhubeka iguquka njengoko iimarike zisiba ntsokothile, ubugcisa butshintsha iinkonzo zemali, kunye nomngcipheko omtsha. Ubuchule beNto yezimali bokulungelelanisa umgaqo-nkqubo nezi meko zitshintshayo ngeli xesha ukulondoloza imigaqo engundoqo yokuzinza, ukuthembeka, kunye nokhuseleko lwabathengi kuza kubaluleka kwimpumelelo yezoqoqosho lwase-Australia.

Umthetho wemali osebenzayo ufuna ukulungelelanisa iinjongo ezininzi: ukuxhasa ukuphuhliswa kweenjongo ezintsha ngexesha ulawula iingozi, ukukhusela abathengi ngeli xesha begcina impumelelo yentengiso, ukuhambisana nemigangatho yehlabathi lonke ngeli lixa ujongene neemeko zasekhaya, kunye nokubeka iimfuno eziyimfuneko ngeli lixa ukunciphisa imithwalo ethobelayo. Iinkqubo zolawulo lwenkcitho yemali zenzelwe ukuqhuba ezi ndawo zorhwebo ngendlela ecacileyo, esekelwe kubungqina obucacileyo.

Xa ujonga phambili, uNondyebo uza kuqhubeka elungisa iindlela zakhe zokulungisa ulawulo ukuvela kocelomngeni namathuba. Ukuguquka kwamanani, ukutshintsha kwemozulu, iimfuno zomthengi, kunye nophuhliso lolawulo lwezizwe ngezizwe zonke, konke kuya kubumba ikamva lomgaqo wemali eOstreliya. Ngokuqhubeka uhlolo, uhlalutyo, kunye nobuchule, iNgxelo yeMali isebenza ukuqinisekisa ukuba ulawulo lwemali lwaseOstreliya luhlala luqinile, lusebenza, lufanelekile ngenjongo yokutshintsha ngokukhawuleza kwehlabathi.

Kwishishini elisebenza kwicandelo lemali, iinkqubo zophuhliso lolwazi lwenkqubo yolawulo lukaNondyebo zinika uluvo olubalulekileyo ngendlela eyakhiwe ngayo imimiselo nendlela yokuzibandakanya ngokunempumelelo nenkqubela-phambili yenkqubo. Kubathengi, inika isiqinisekiso sokuba imimiselo yemali iphuhliswa ngeenkqubo ezingqongqo ezilungiselelwe ukukhusela izilangazelelo zabo nokukhuthaza inkqubo yemali ezinzileyo, ezizinzileyo nezobulungisa.

Ukuzinikela kweNgxowa-mali yase-Australia kwimigaqo yemali esebenzayo, eboniswa ngeenkqubo zayo ezibanzi zophuhliso kunye nokuzibophelela okuqhubekayo nabaxhasi bemathiriyeli, kunceda ukuqinisekisa ukuba i-Australia igcine inkqubo yemali exhasa iimfuno zabo bonke abase-Australia ngeli lixa ihlala ikhuphisana kwaye iqinile kuqoqosho lwehlabathi.

Ukufunda okungakumbi ngomsebenzi weTreasure yase-Australia kunye noluvo lwangoku, tyelela i-website ye- engokwaseMoyeni. Ulwazi malunga nesiseko semithetho yemali ye-Australia, i- iBhanki esebenzayo yenkcazo ye-Australia. inika iinkcukacha ezibanzi malunga neendima zabameli abahlukeneyo abalawulayo.