Isimiso sezimali sase-Australia siyisisekelo sokuchuma kwaso kwezomnotho, siphethe ama-AUD ayizigidi zezigidi ezingu-4 zezigidi zezigidi zemali empahla yamabhange nechibi lempesheni elikhudlwana kakhulu emhlabeni wonke. Ukuqinisekisa ukuzinza, ubuqotho, nokulunga kwalesimiso kuwumthwalo oyinkimbinkimbi, olinganayo, nowe-Othernian Treasury esebenza njengesekela eliyinhloko lokuklama kwayo. Kulokhu kuhlelwa [FLD: 0] Izinkonzo zombuso [izemali] ze-Royal Commossionsion [[ naphakathi kwezwe elisheshayo elichazwa ngohlelo lwezemishini, ukuqina kwezentengiselwa kwezentengiselwano, nokwesimo sezulu, i-empeke, i-Complettery ikla ingenziwe nje ukuba ikwazi ukuhlanganisa izimpahla ezikhona kodwa ibuye zithuthukise, ukulondoloza izinzuzo zemali, ukusekela nokusekela kwemali.

I-Treasurence isebenza phakathi kwe- “Twin Peaks” enikeza i-fashoni, ihlangene eduze ne-Purdial Regation Authority (APRA), eqondisa ukuphepha nokulunga kwezinhlangano zezezimali, kanye ne-Australian Securities and Investicements Commission (ASIC), ephoqelela ukuziphatha nokuvikela. [[FLL:0] Ukuncitshiswa kwezentengiselwano zezentengiselwano [Proguence] kwezentelligence (CFR)[FL:1] kusebenza njengendawo eyinhloko ye-m ye-operationationations Com (ASIC), elawulayo, epholisa ukusabela okuhlangene kwezimiso zesimiso sezesimiso. Lesi sihloko sinikeza ukuhlazithwa kwezelele ezingokomthetho zezimo eziyinhloko, izihloko eziqalayo, izinselele, iziqondiso zesikhathi esizayo ezisasemuva ezichaza i-Australia.

Izinhloso Ezigqugquzela Inguquko

Ukuphakamisa Isivikelo Sabathengi Nobuqotho Bezentengiselwano

I-Financial Services Royal Commission, eyaphetha umbiko wayo wokugcina ngo-2019, yadalula ukwehluleka kwezimiso zezeluleko, ukuboleka, nokuphatha imali. Ukusabela kwe-Ofekitha ngokuyinhloko bekuwukulungisa “ifilosofi yokuqala” phakathi kwesimiso sokuqondisa. Lokhu kuhlanganisa ukuqinisa izibopho zokuklama nokusakaza (i-DDO) ngemikhiqizo engokwezimali, ukuthuthukisa umbuso obikayo ukuze uqinisekise ukuziphatha okubi kunqunyiwe futhi kwandiswa ngokushesha, futhi kwandisa amandla e-Australia yezentengiselwano ye-Centers Aults Authority (ACA). Injongo iwukususa umthwalo ezimbonini ukuze kufakazele ukuthi imikhiqizo yabo ilungile futhi ukuziphatha kwabo kulungile, kukhubaze ukudayisa ukudayisa okudlulile kokudayisa izindaba.

Ukuqina Kwesimiso Somzimba

Ukuzinza kwezimali kuyimfuneko yokukhula okungaguquguquki kwezomnotho. I-Mooral ne-Reserve Bank yase-Australia (RBA) zisebenza ngokuseduze ukuqondisa izingozi zezimiso, kuhlanganise nokungahambelani kwezindawo zokuthengisa izindlu, ukunciphisana, kanye nokuhlangana kwezinhlangano zezimali. Uhlelo lwemacropridial olusetshenziswa ngokuyinhloko ngu-APRIA, luvumela ukuqiniswa kwezindinganiso zokukhokha (umz., izikhawu ezisebenzayo) ukupholisa izimakethengiso ezishisayo. Injongo ye-Monday lapha iwukuba inqubo engamelana nokusha okusha okunzima nokuwohloka kwezomnotho kwasekhaya, inkinga yembulunga yonke, noma isenzakalo esikhulu sezezimali (umz.) ngaphandle kokufuna ukukhokha intela.

Ukuthola Ihlelo Eliyihlelo Eliyingxubevange Nelincintisanayo

Isimiso esinamandla sokubhaka sibalulekile ekubekeni imali egciniwe. Amabhange amakhulu ase-Australia ahlanganiswe kakhulu nezimakethe ezinkulu zembulunga yonke. INdawo yezimali, ngo-APRIA, isebenzisa izindinganiso zokugcina i-Basel III ehlakaniphile[, ezihlanganisa indawo eqinile ephezulu evimbela amabhange ukuba avimbele ukuthunyelwa kwemifanekiso eyimfihlo ukuze akhiphe izingozi zayo. Umgomo ukuqinisekisa ukuthi amazinga enhloko aphakeme futhi amelela ngobuqotho izingozi ezithathwayo. Ngalesosikhathi, iNondyebo iqaphela ukugcina ukuncintisana kwezizwe, iqinisekisa ukuthi umthetho awukuvikeli ngokungafanele ukuthunyelwa kwemali yokuthenga izikweletuso noma ukushayela emsebenzini wokufaka izikweletuzo ezingeni ezingeni eziwushicile.

Ukuhleleka Komthetho Womhlaba Wonke

Izimakethe zezezimali zingowembulunga yonke. I-Alging ihlanganyela ngenkuthalo ezimisweni ezisemgangathweni zamazwe ngamazwe, kuhlanganise ne-Bank Superfecture (BCBS), i-Financial Stability Board (FSB), ne-International Organization of Secities Commissions (IOSCO). I-Alging mithetho ye-Australia ngezindinganiso zembulunga yonke inciphisa ukuhlukana, ibangela ukuba igebe elihamba ngebanga eliphakathi komkhawulo we-Bank Superfecture, futhi iqinisekisa ukuthi izinhlangano zase-Australia zihlala zincintisana. Lokhu kubaluleke kakhulu ekuqondiseni izingozi zezimiso zezembulunga yonke ezibalulekile (G-SIF) ezisebenza eAustralia futhi zisekela izindinganiso eziqinile ze-AMLML/CFFF zihambisana ne-Act Act Act Motial Force (F).

Isihluthulelo Sokulungisa Indawo Ebukekayo Elawulayo

Icala Lezimali (FAR)

Enye yemiphumela ebaluleke kakhulu yeRoyal Commission i-Manication Regime (FAR), eyaqala ukusebenza ngokugcwele ngo-March 2025 kuzo zonke izinhlangano ze-APRA-ebuthene. I-FAR ithatha indawo ye-Bank Accouderation Accounciption Regime (BEAR) futhi idlulisela izibopho zokulandisa eqenjini elikhulu kakhulu labaqondisi ezinqiwini, abakhokhisi, nezimali ezinkulu ezigciniwe. Umbuso udinga izimboni ukuchaza ngokucacile ukulandisa kwezikhulu eziphezulu nabaqondisi. Inika iziphathi amandla okubuyisela izijeziso ukuze kunikezwe izijeziso − ukuhlanganisa nokubuyiselwa kwemithetho eguquguqukayo emuva kokubuyiselwa komthetho.[5] Ukungathki kakhulu kwemithwalo yezentengo yezwe. Farn iguqula ukubusa kwezentengo yenhliziyo ngayinye.

Ukwenza Imali Yabathengi Nesivikelo Sokukhwabanisa

Iminyaka eminingi, izikhala ezilawulayo zavumela imikhiqizo ekhula ngokushesha njengalokhu Kuthenga-manje, iPay-pay (BNP) ukuba isebenze ngaphandle kobubanzi obugcwele be-National Consumer Consumer Protection Act. I-Moneral yavala leligebe ngokuhlela ukuba ihlukanise i-BNP njengomkhiqizo wokuthenga ngesikweleti, idinga abaxhasi ukuba babe nelayisense yemali eqinile nezokuhlola izimali eziqinile. Lokhu kuvikela abathengi abasengozini ekuthatheni izikwele ngaphandle kokukhokhwa kuyilapho begcina isisekelo somkha wesisekelo esinenzuzo. Ngokungatshangatshani, i-CSCSmans Folectiveography, okuphonsa izibophophozo ezibophayo ezise amabhange, iziteshi, amapulatimende, nokulungisa amanani ukuze baqaphele, baphazamise, baphazamise, bavimbe, futhi baphendule umsebenzi omubi.

Ukwakha Isimiso Sokulungisa Isimiso Samanani

Ukuziphendukela kwemvelo okusheshayo kwe-cypocurrencres, i-templates, nemali ehloniphekile (Defi) kunikeze abaqondisi emhlabeni wonke inselele enkulu. Treasury ithathe indlela esheshayo yokuqondisa izinto zezibalo. UFase uhilela ukuhlelwa kwesimiso sokulungisa i-Diantansinsin elawulayo ngenselele ye-Platforms (inguquko nemishini), efuna ukuba zihlangane nemali encane, ukugcinwa kwenkokhe, ukugcinwa kwemali, nokukhokha. I-Fase igxile ekuqondiseni izinqolobane zempahla ezigciniwe ezigciniwe ngaphansi kwe-emali eshisiwe ngaphansi kombuso we-CCCCC. I-AMive ithinta futhi i-APlatformes (intections ne-mimeotations) efuna ukuncishwa kwemali engcono ukuze kukhishwe inzuzo engokomthetho yomthetho womthetho.

Ukugcwalisa Izinguquko Zokugcina Ze - Basel III

APRA, ngokuqondisa kweTreasury, isebenzisa izindinganiso ezisele zeBasel III. Isici esiyinhloko salezinguquko ukusungulwa kwe- “palame,” evimbela amabhange ukuba asebenzise izimpawu zangaphakathi zengozi ukuze abale izimfuneko eziyinhloko eziphansi kunesisekelo esivamile. Lokhu kunciphisa izingozi ezingokomfuziselo futhi kuthuthukisa izinga lezilinganiso zezinhloko ezisezikhungweni. I-oventium isekela lezi zinyathelo njengoba iqinisa ikhono lesimiso sokubhalisa imali lokuthola izindleko nokusekela umnotho phakathi nokuwohloka kwezomnotho, kuqinisa ukuqina kwesimiso sezimali.

Ukulungisa Isakhelo Esimelene Nemali (AML)

INdawo yezimali ithatha inguquko enkulu kakhulu kuhulumeni we-AML/CTF kusukela ekuqaleni kwayo. Izinguquko zizonweba i-athoridate progateter ukuze ithathe “izinhlangano zezindawo ezihlangene nezihlangene nezindawo, abameli, nabagcini-zincwadi, bavale igebe elikhulu ekuvikelweni kwezezimali zase-Australia. Ngaphezu kwalokho, isakhiwo sihlelwa ukuba sikhulumele ngokuqondile izingozi zemali ehambisana nemithetho yobuchwepheshe kanye nobuphekula izingozi ezihlangene nempahla yezobuchwepheshe kanye nemithetho ye-FATFF, kuhlanganise “Umthetho we-TRAL.”

Ukushintsha Kwezingozi Eziyandayo Neziyinkimbinkimbi

Ukwanda Kokuxhumana Ngezimali Okungewona Amabhungane

Njengoba amabhange angokwesiko ebhekene nomthetho oqinile, ababoleki abangewona amabhange, ababoleki bemali, ababolekisi be-pinthtech, abafunda ukuya-i-paneer platforms) baye bathatha ingxenye ekhulayo yemakethe yokuthenga ngesikweleti. Nakuba lezindawo zikhuthaza ukuncintisana, futhi ziyingozi ngenxa yokuthi azikho ngaphansi kwemfuno efanayo nemfuno yamabhange futhi zithembele njalo ekuxhaseni imali ebanzi. Izimali, kanye no-APRIPLA kanye ne-RBA, zihlola ukukhula kwalengxenye. Inseleleko iwukumisa inqubo enciphisa izingozi zokubhangelwa kwethunzi ngaphandle kokuvimbela izingozi ezikhona okunikezwa abakhokhi abakhokhi abayinhloko.

Ukungazethembi Nokuzinza Okusebenzayo

Ukuhlelwa kwezezimali kuye kwandisa kakhulu ukuhlasela kwabadlali abanonya. Isehlakalo esikhulu se-inthanethi enkampanini enkulu yezezimali noma emakethe eyingozi singaba nemiphumela enzima. I-Union ihola ekukhishweni kwe-Security of Critical Infrastructure (SOCI) Act, ephoqelela ukubika ngokuqhubekayo nezibopho zokuphatha izimali ezisemkhakheni wezezimali ezibonakala zibucayi. Icebo ligxila ekuqhubekeni zenza kube nokuzisebenzela kwangempela kokwakha impumelelo yangempela, ikhono lemisebenzi yezezimali ephambili lokuqhubeka nokuhambisa ngisho nalapho izimiso zemali zihlaselwa ngokuqondile.

Izingozi Zemali Ezincishisiwe Ezibangelwa Isimo Sezulu

Ukushintsha kwesimo sezulu kuhlanganisa izingozi ezingokomzimba (ukuvela esimweni sezulu esibi kakhulu) kanye nezingozi zokushintsha (zihlelwa ngokushintsha ngenxa yokushintshela ekuncipheni kwe-carbon ephansi). I-Moneral iye yaba nendima ephambili ekuthuthukiseni isakhiwo sezimali esiqinile sase-Australia. Lokhu kuhlanganisa ukudalulwa kwezezimali okunesidingo esihlangene nenani elihlangeneyo elisekelwe eMthethweni we-International Sustainability Standards Board (ISB) yezindinganiso zamabhizinisi amakhulu nezinhlangano zezezimali. Ngokufuna ukuchaza ngokwezinga elivamile, i-Mongo yemali ihlose ukuthuthukisa ukubonakala kwemake, ukunqanda okuluhlaza, nokuvimbela izimali ukuba intengo engcono kanye nokulawula izingozi zesimo sezulu. Lokhu kusekelwa ukuthuthuka kwe-OSCPLATIONCY

Ukusetshenziswa Kokuhlakanipha Okusebenzayo Emalini

Ukusetshenziswa okwandayo kokufunda i-Al nomshini ezinkonzweni zezimali ."ukuqinisa, ukuphambanisa izikweleti, ukunikeza iseluleko esisemthethweni, nokuhweba ngemithetho-mthetho . Kumelela umngcele omusha wobunkimbinkimbi obuyinkimbinkimbi bokulawula. Impikiswano yokungavumelani nemithetho esemthethweni, ukuchaza ukucaciswa kwemininingwane, ukuchaza ukulingisa, nokulandisa ngesinqumo sobukhoma kusemqoka engxoxweni yokulawula izikweletu. I-Moolemental isebenza nge-ASIC kanye ne-Hofisi ye-OSCPUS (OIC) ukuze ithuthukise indlela yokusebenzisa i-algamential elawula izimali. Injongo iwukulawula impumelelo ye-A lapho kuqinisekiswa abathengi abavuthayo futhi kuviswe izingozi ezimisweni zezekwenziwa ezimoyeni.

Iziqondiso Ezihlelekile Zengxenye Yekusasa Yezezimali

Ukusebenzisa I - Agenda Elungisayo Neyokubuyisela Ukungenwa Yikho

Isiqondiso sesikhathi esizayo seTreasure sohlelo lwendawo ezungezile esigxile ekuthuthukiseni indawo lapho ukusungula nokuzinza kuqinisana khona. Lokhu kuhilela ukutshala imali emakhonweni esayensi emishini yokulawula (Regtech) ukuze kuvunywe ukwaziswa okwengeziwe okunemininingwane ekhutshwayo, ukuqondisa okuqhubekayo. I-Graised Regaliatation Data Platform ephuhliswayo ivumela ukuqoqwa kokwaziswa okucebile, okuvame kakhulu, okwenza ukuba izikhongozelela ukuvela kwemidanti kanye nezingozi. Imboni futhi isekela izimboni zezemboni ezithengisayo itshebende nezikhungo ze-oceactivesss nezindawo ezintsha ukuze ivumele ukuqalwa kwe-ASIC kuvinywe imikhiqizo endaweni elawulwayo, ephephile.

Ukusebenzisa Imininingwane Yezohwebo Ilungelo (CDR) Nokuvula Izimali

I-Consumer Data Right, ekuqaleni ebhange (Open Banking), iyanwetshwa ezomnotho. I-Center ibheka i-CDR njengesisekelo sesisekelo sesisekelo sesisekelo sokukhuthaza ukuncintisana nokusungulwa. Ngokunika abathengi ilungelo lokudlulisela ngokuphephile imininingwane yabo phakathi kwabaxhasi benkonzo, i-CDR ihlose ukunciphisa izindleko zokushintsha nokuvumela ukuthuthukiswa kwemisebenzi yezezimali zomuntu siqu. Ikusasa le-Open Moningment Lizovula izimboni ezintsha zebhizinisi, futhi i-Money igxile ekuqinisekiseni isakhiwo se-sakhi sisebenza kahle, silondekile, futhi sihambisana nezindinganiso ze-data zomhlaba.

Ukuqinisa Isibopho Samazwe Ngamazwe Nokuhleleka Okuvamile

Njengoba izindinganiso zokuqondisa zembulunga yonke zishintsha-shintsha (kwizinto ze-atnuctures, AI, i-a, ilula, kanye nengozi yesimo sezulu) .Australia izimisele ukuba yizwi elisebenzayo ezinhlanganweni zomhlaba wonke. I-Moondral iqinisa izivumelwano zolwazi-ezisekelana neziyinhloko zendawo ye-Indo-Pacific nangalé kwayo. Inqubo ihilela ukuhlola ukuqaphelana kwezimiso zobucukubhezi lapho kungenzeka khona, ukunciphisa izindleko zokubambisana kwezindawo ezisebenza ngaphesheya kwemingcele. Isimiso sezezimali se-AMFF'STIZALESM [ njalo iqaphela ukuqina kwesimiso sobuphathi be-Australia, kanye nezinhloso zokwakha lesi sisekelo.

Ukulondoloza Ukulinganisela Okunamandla Phakathi Kokuvuselelwa Nokukhula

Indima yokuqala ebucayi ye-overy iqinisekisa ukuthi izindleko eziqhubekayo zezinguquko ezizinzile aziyikho ukuthatha ngokungadingekile ekukhuleni kwezomnotho. Kukhona umzamo oqotho wokuthatha ukubukeza izinguquko ezinkulu (njengeFAR ne DDO) ukuze kuqinisekiswe ukuthi bafeza imiphumela yabo ehlongoselwe ngaphandle kokubeka izindleko ezinkulu. I-Mongoli ifuna ukulondoloza isimiso sokulawula esisekelwe ezimisweni ezisekelwe futhi ezivumelana ngokwaneleyo ukuze bavumelane nemithetho emisha yezebhizinisi, kunokuba bavumelane nemithetho eqinile ebekwe ngokushesha ephelelwa isikhathi. Lokhu kulinganisela okushukumisa amandla kubalulekile ukuze kuqhubekele phambili inkampani yezentengo yezentengo ephambili futhi encintisanayo.

Isiphetho

Amasu e-Ossolean Treasurer aqinisa imingcele yezimali ekhona amelela ukusabela okubanzi nokuvumelana nezimo zendawo ezungezile eyinkimbinkimbi. Isisekelo sabekwa ngezifundo zeRoyal Commission, eyashintsha ukulandisa kwangempela nokuthenga okunenzuzo. Kulesi sisekelo, i-Thekishini yakha izakhiwo ezintsha zokulawula izingozi namathuba emali esetshenziswayo, ukusongela kwezezimali, ubuchwepheshe, nokushintsha kwesimo sezulu. Ngokusebenza ngenkuthalo ne-APRIC, i-RBA, nemizimba yomhlaba wonke, i-RBA, idala isimiso sezimali esiklanyelwe ukuba siqine, sibonise, silungile, futhi sinamandla. Inselele eqhubekayo ikhona isilinganiso sokuvikela ngaphandle kokuchuma, nokuqinisekisa ukuthi umthetho ukulondoloza i-injini yezentengo, futhi umnotho uyaqhubeka nokuchuma kwe-Australia.