THE IMPORTANCE OF A SINGLE LEGAL FRAMEWORK FOR THE PREVENTION OF MONEY LAUNDERING IN THE BANKING SECTOR
Keywords:
money laundering, criminal act, typologies of money laundering, banking, preventive measuresAbstract
Money laundering as a global phenomenon has been present on the world economic scene since the early years of 20th century. Under the conditions of the rising world economy interdependence and the process of the world capital flow liberalization new possibilities for the realization of various financial transactions that may be included in the concept of money laundering are created. This paper will primarily deal with the global, regional and national legislation necessary for providing of the global legal framework that can limit and reduce money laundering activities to a minimum. Harmonized global legal infrastructure is seen as an important precondition for the proper implementation of national legislation in the field of prevention of money laundering. Domestic legislation will be separately analyzed in or-der to examine its compliance with European standards and regulations. Baseline analysis of regulations in the area of prevention of money laundering at different levels is motivated by the need to prevent negative consequences such as: undermining stability, transparency and efficiency of the financial system of the country; avoiding economic disorders and instability, endangering the reform programs, reduce investments, losing reputation of the state and endangering national security. Implementation of rules and regulation against money laundry is of special importance in the banking sector having in mind its role as the main channel for financial transactions of different kinds, some of which can be connected with money laundry activities.
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