Tlōlo ea molao ea lichelete e bolela mesebetsi e seng molaong e kenyeletsang litšebelisano tsa lichelete tsa bolotsana kapa boitšoaro bo sa tšepahaleng bakeng sa melemo ea lichelete ea botho. Ke bothata bo tebileng le bo ntseng bo mpefala ba lefats'e bo lumellang litlolo tsa molao tse kang ho hlatsoa chelete, ho tšehetsa lichelete tsa bokhukhuni le tse ling. Tataiso ena e felletseng e hlahloba litšokelo tse tebileng , litlamorao tse tebileng , mekhoa ea morao-rao , le litharollo tse sebetsang ka ho fetisisa bakeng sa ho loantša tlōlo ea molao ea lichelete lefatšeng ka bophara.
Tlōlo ea Molao ea Lichelete ke Eng?
Tlōlo ea molao ea lichelete e kenyeletsa litlolo tsa molao tse seng molaong tse kenyeletsang ho fumana chelete kapa thepa ka thetso kapa bolotsana. Lihlopha tse kholo li kenyelletsa:
- Phokotso ea chelete: Ho ikhakanya tšimoloho le motsamao oa lichelete tse seng molaong ho tloha diketso tsa botlokotsebe.
- Ho qhekella: Ho thetsa likhoebo, batho ka bomong, kapa mebuso bakeng sa phaello ea lichelete kapa thepa e seng molaong.
- Boitsebiso ba Cybercrime: Bosholu, bomenemene, kapa botlokotsebe bo bong bo sebelisoang ke thekenoloji bakeng sa phaello ea lichelete.
- Khoebo ea ka hare: Ho sebelisa hampe lintlha tsa khamphani ea poraefete bakeng sa phaello ea 'maraka oa setoko.
- Tjotjo/bobodu: Ho fana ka likhothaletso joalo ka chelete ho susumetsa boitšoaro kapa liqeto.
- Phokotso ea lekhetho: Ho se phatlalatse chelete e kenang ho qoba ho lefa lekhetho ntle le molao.
- Lichelete tsa likhukhuni: Ho fana ka lichelete ho tšehetsa likhopolo kapa mesebetsi ea bokhukhuni.
Mekhoa e fapaneng e seng molaong e thusa ho pata beng ba 'nete ba chelete le thepa e 'ngoe kapa tšimoloho ea eona . Tlōlo ea molao ea lichelete e boetse e nolofalletsa litlolo tsa molao tse tebileng joalo ka khoebo ea lithethefatsi, khoebo ea batho, ho rekisa ka sekhukhu, le tse ling. Mefuta ea lithuso tse kang ho thusa, ho thusa kapa ho rera ho etsa litlolo tsena tsa molao tsa lichelete ha e molaong.
Mahlale a rarahaneng le khokahano ea lefats'e ka bophara li nolofalletsa tlōlo ea molao ea lichelete ho atleha. Leha ho le joalo, mekhatlo ea lefats'e e inehetseng e ntse e ntšetsa pele litharollo tse kopaneng ho loantša tšokelo ena ea botlokotsebe ka katleho ho feta leha e le neng pele.
Mefuta e Meholo ea Litlokotsebe tsa Lichelete ho UAE
Ha re hlahlobeng mefuta e meng e meholo ea botlokotsebe ba lichelete bo hlohlelletsang moruo oa lefatše.
chelete dilondri
Mokhoa oa khale oa ho hlatsoa chelete o kenyelletsa mekhahlelo e meraro ea bohlokoa:
- Ho beha – Ho tsebisa lichelete tse seng molaong ho kena tsamaisong e kholo ea lichelete ka li-depositi, meputso ea khoebo, joalo-joalo.
- Layering - Ho pata tsela ea chelete ka litšebelisano tse rarahaneng tsa lichelete.
- Ho kopanya - Ho kopanya chelete "e hloekisitsoeng" ho khutlela moruong o amohelehang ka matsete, theko ea mabothobotho, joalo-joalo.
Tšebeliso e mpe ea chelete ha e pate feela phaello ea botlokotsebe empa e nolofalletsa liketso tse ling tsa botlokotsebe. Likhoebo li ka e thusa ka phoso ntle le ho hlokomela. Ka lebaka leo, melaoana ea lefats'e e khahlanong le tšebeliso e mpe ea chelete (AML) e laela litlamo tse thata tsa ho tlaleha le mekhoa ea ho latela melao bakeng sa libanka le mekhatlo e meng ho loantša bokhukhuni ba chelete. Ka mohato o motle, UAE e ile ea tlosoa "Lethathamong la Bohlooho" la Financial Action Task Force (FATF) ka Hlakola 2024, e leng se bontšang tsoelo-pele ea naha ea ho matlafatsa melaoana ea eona ea AML.
Ka lebaka leo, melaoana ea lefats'e ea ho thibela ho hlatsoa chelete (AML) e laela hore ho be le litlamo tse thata tsa tlaleho le mekhoa ea ho latela melao bakeng sa libanka le mekhatlo e meng ho loantša ho hlatsoa chelete ka mafolofolo. Litharollo tsa AI tsa moloko o latelang le tsa ho ithuta ka mochini li ka thusa ho lemoha ka boiketsetso mekhoa e belaetsang ea liakhaonto kapa litšebelisano.
Ho qhekella
Tahlehelo ea lefats'e ka bophara ka lebaka la bosholu ba litefo feela e fetile $35 bilione ka 2021. Masholu a fapaneng a bosholu a sebelisa theknoloji, bosholu ba boitsebiso, le boenjiniere ba sechaba ho nolofatsa phetiso ea chelete e seng molaong kapa phihlello ea lichelete. Mefuta e kenyelletsa:
- Bomenemene ka karete ea mokitlane/debit
- Phishing scams
- Khoebo ea imeile ea khoebo
- Li-invoice tsa bohata
- Bomenemene ba lerato
- Merero ea Ponzi/pyramid
- Boqhekanyetsi ba boitsebiso ba maiketsetso
- Bomenemene ba ho nka ak'haonte
Bomenemene bo senya tšepo ea lichelete, bo baka mahlomola ho bahlaseluoa, 'me bo eketsa litšenyehelo ho bareki le bafani ba lichelete ka ho tšoanang. Litlhahlobo tsa bomenemene le mekhoa ea liak'haonte tsa forensic li thusa ho utolla mesebetsi e belaetsang bakeng sa lipatlisiso tse tsoelang pele ke mekhatlo ea lichelete le mekhatlo ea ts'ebetsong ea molao.
"Bokebekoa ba lichelete bo ata ka har'a moriti. Ho khantša leseli likhutlong tsa eona tse lefifi ke mohato oa pele oa ho e qhaqha.” - Loretta Lynch, eo e kileng ea e-ba Attorney General ea US
Boitsebiso ba Cybercrime
Litlhaselo tsa inthanete khahlanong le mekhatlo ea lichelete li eketsehile ka 238% lefatšeng ka bophara ho tloha ka 2020 ho isa ho 2021. Kholo ea lichelete tsa dijithale e atolosa menyetla ea litlolo tsa molao tsa lichelete tsa inthanete tse sebelisoang ke theknoloji joalo ka:
- Crypto sepache / phapanyetsano hacks
- jackpotting ea ATM
- Skimming karete ea mokitlane
- Bosholu ba mangolo a akhaonto ea banka
- Litlhaselo tsa thekollo
- Litlhaselo ho mobile banking/wallets digital
- Bomenemene bo shebaneng le litšebeletso tsa ho reka hona joale-ho lefa-hamorao
Tahlehelo ea botlokotsebe ba inthanete lefatšeng ka bophara e ka feta $10.5 trillion lilemong tse hlano tse tlang. Leha ts'ireletso ea inthanete e ntse e ntlafala, litsebi tsa ho qhekella li ntse li hlahisa lisebelisoa le mekhoa e rarahaneng le ho feta bakeng sa phihlello e sa lumelloang, tlōlo ea data, litlhaselo tsa malware le bosholu ba lichelete.
Tlhaselo ea Lekhetho
Ho tlalehoa hore ho qoba le ho qoba lekhetho lefatšeng ka bophara ke lik'hamphani le batho ba nang le matlotlo a mangata ho feta $500-600 bilione ka selemo . Litšitiso tse rarahaneng tsa machaba le libaka tsa ho qoba lekhetho li nolofatsa bothata.
Ho qoba lekhetho ho senya chelete e kenang ea sechaba, ho mpefatsa ho se lekane, 'me ho eketsa ho itšetleha ka likoloto. Ka hona ho thibela lichelete tse fumanehang bakeng sa lits'ebeletso tsa bohlokoa tsa sechaba joalo ka tlhokomelo ea bophelo bo botle, thuto, meralo ea motheo le tse ling. Tšebelisano-'moho e ntlafalitsoeng ea lefats'e har'a baetsi ba melao, balaoli, likhoebo le litsi tsa lichelete e ka thusa ho etsa hore litsamaiso tsa lekhetho li be le toka le ho hlaka haholoanyane.
Litlolo tsa Molao tse Eketsehileng tsa Lichelete
Mefuta e meng e meholo ea botlokotsebe ba lichelete e kenyelletsa:
- Khoebo ea ka hare - Ho sebelisa hampe tlhahisoleseling eo e seng ea sechaba bakeng sa phaello ea 'maraka oa setoko
- Tjotjo/bobodu - Ho susumetsa liqeto kapa mesebetsi ka likhothaletso tsa lichelete
- Ho qoba likotlo - Ho potoloha likotlo tsa machaba bakeng sa phaello
- Boqhekanyetsi - Ho hlahisa chelete ea bohata, litokomane, lihlahisoa, joalo-joalo.
- Ho tsuba – Ho tsamaisa thepa/chelete e seng molaong ho tšela meeli
Botlokotsebe ba lichelete bo hokahana hoo e batlang e le mefuta eohle ea liketso tsa botlokotsebe - ho tloha ho lithethefatsi tse seng molaong le thekisetsano ea batho ho ea bokhukhuni le likhohlano. Ho se tšoane ho hoholo le boholo ba bothata bo hloka karabelo e hokahaneng ea lefats'e.
Likotlo bakeng sa Litlolo tse fapaneng tsa Lichelete tsa UAE
| Tlōlo ea Molao ea Lichelete | Melao e Amanang | Kotlo Range |
|---|---|---|
| chelete dilondri | Molao oa Federal No. 4/2002 (joalokaha o lokisitsoe) | Lilemo tse 3 ho isa ho tse 10 chankaneng le/kapa ho fihla ho AED 50 milione |
| Ho qhekella | Molao oa Federal No. 3/1987 (joalokaha o lokisitsoe) | E fapana, empa ka kakaretso ho fihla ho lilemo tse 3 chankaneng le/kapa likotlo |
| Boitsebiso ba Cybercrime | Molao oa Federal No. 5/2012 (joalokaha o lokisitsoe) | Litefiso ho tloha ho AED 50,000 ho isa ho AED 3 milione, le/kapa ho fihla ho lilemo tse 10 teronkong |
| Tlhaselo ea Lekhetho | Molao-taelo oa Federal No. 6/2017 | Lichelete ho tloha ho AED 100,000 ho ea ho AED 500,000 le ho kenngoa chankaneng |
| Boqhekanyetsi | Molao oa Koporasi No 6/1976 | Ho fihla ho lilemo tse 10 chankaneng le/kapa likotlo |
| Tjotjo/ Bobolu | Molao oa Federal No. 11/2006 (joalokaha o lokisitsoe) | Ho fihla ho lilemo tse 7 chankaneng le/kapa kotlo e fihlang ho AED 1 milione bakeng sa baabi le ba nkang |
| Khoebo ea kahare | Molao oa Federal No. 8/2002 (joalokaha o lokisitsoe) | Ho fihla ho lilemo tse 5 chankaneng le/kapa ho fihla ho AED 10 milione |
Patlisiso le qoso ea litlolo tsa molao tsa lichelete Dubai
Patlisiso ea Litlokotsebe tsa Lichelete Dubai:
- Ho tlaleha: Litlaleho tsa litlaleho tsa litlōlo tsa molao tsa lichelete li nolofalloa ka litsela tse khethiloeng, ebang ke ka ho ikopanya le Sepolesa sa Dubai kapa bolaoli bo amehang ba taolo ea lichelete, ho itšetlehile ka mofuta oa tlōlo ea molao. Mohlala, liketso tse belaelloang tsa ho qhekella chelete li tla tlaleheloa Lefapha la Bohlale ba Lichelete (FIU).
- Patlisiso ea Pele: Karolo ena e qala ka pokello e felletseng ea bopaki, e kenyelletsang tlhahlobo e tebileng ea lirekoto tsa lichelete, ho etsa lipuisano le lipaki tse amehang, le tšebelisano-mmoho lipakeng tsa Sepolesa sa Dubai, Bochochisi ba Sechaba, le likarolo tse ikhethileng joalo ka Lefapha la Tšireletso ea Moruo la Dubai.
- Tšebelisano e Matlafalitsoeng: Memorantamo wa Kutlwisisano e sa tswang ho thehwa pakeng tsa Ofisi ya Phethahatso ya AML/CFT ya UAE le Sepolesa sa Dubai se matlafaditse mokgwa wa tshebedisano, ka hoo se hodisa bokgoni ba dipatlisiso mabapi le ho lwantsha ditlolo tsa molao tsa ditjhelete ka katleho.
Ho qosoa ha litlōlo tsa molao tsa lichelete Dubai:
- Boqosi ba Sechaba: Ka mor'a ho bokella bopaki bo bongata ka ts'ebetso ea lipatlisiso, nyeoe e hlahisoa ho Bochochisi ba Sechaba, moo bachochisi ba hlahlobang bopaki ka matla le ho etsa qeto ea hore na ba qale liqoso tsa molao khahlanong le ba qosoang.
- Tsamaiso ea Lekhotla: Linyeoe tseo liqoso li ntseng li phethoa ka tsona li ahloloa Makhotleng a Dubai, moo baahloli ba hlokang leeme ba okamelang linyeoe. Baetapele bana ba boahloli ba tšepetsoe boikarabelo ba ho lekola molato kapa ho hloka molato ho ipapisitsoe le tlhahlobo e felletseng ea bopaki bo hlahisitsoeng, ho latela melao e sebetsang ea UAE.
- Bohloko ba Kotlo: Maemong ao ho nang le molato, baahloli ba okamelang ba etsa qeto ea kotlo e loketseng, e lumellanang le mofuta o itseng le boima ba tlōlo ea molao ea lichelete e entsoeng. Mehato ea kotlo e ka tloha ho likotlo tse kholo tsa lichelete ho isa kahlolong ea litlamong, ka nako ea ho koalloa teronkong ho ea ka boima ba tlolo ea molao, joalo ka ha ho hlalositsoe ke melaoana ea molao ea UAE.
Mesebetsi ea Mekhatlo ea Bohlokoa
Mekhatlo e fapaneng ea lefats'e e etella pele boiteko ba lefats'e khahlanong le botlokotsebe ba lichelete:
- Sesole sa Ts'ebetso ea Lichelete (FATF) e beha litekanyetso tse khahlanong le tšebeliso ea chelete (AML) le litekanyetso tsa lichelete tsa ho loantša bokhukhuni tse amoheloang lefatšeng ka bophara.
- Ofisi ea UN ea Lithethefatsi le Botlokotsebe (UNODC) e fana ka lipatlisiso, tataiso, le thuso ea tekheniki ho linaha tseo e leng litho.
- IMF le Banka ea Lefatše lekola meralo ea AML/CFT ea naha le ho fana ka tšehetso ea kaho ea bokhoni.
- InterPOL e nolofatsa tshebedisano-mmoho ya sepolesa ho lwantsha botlokotsebe ba dinaha tse ding ka tshekatsheko ya mahlale le datha.
- Europol e hokahanya litšebetso tse kopanetsoeng lipakeng tsa linaha tseo e leng litho tsa EU khahlano le marangrang a botlokotsebe bo hlophisitsoeng.
- Sehlopha sa Egmont e hokela Diyuniti tse 166 tsa naha tsa Bohlale ba Ditjhelete bakeng sa ho arolelana tlhahisoleseding.
- Komiti ea Basel ea Tlhokomelo ea Libanka (BCBS) e fana ka tataiso le tšehetso bakeng sa taolo ea lefats'e le ho latela melao.
Haufi le mekhatlo e fapaneng ea mebuso, mekhatlo ea taolo ea naha le ea ts'ebetso ea molao joalo ka Ofisi ea Letlotlo la US ea Taolo ea Thepa ea Kantle ho Naha (OFAC), UK National Crime Agency (NCA), le Jeremane Federal Financial Supervisory Authority (BaFin), libanka tse bohareng tsa UAE, le tse ling diketso tse tsamaellanang le maemo a lefatshe.
"Ntoa khahlanong le botlokotsebe ba lichelete ha e hlōloe ke bahale, empa ke batho ba tloaelehileng ba etsang mesebetsi ea bona ka botšepehi le ka boitelo." – Gretchen Rubin, sengoli
Melao ea Bohlokoa ea Botlokotsebe ba Lichelete naheng ea UAE
Melao e matla e tšehelitsoeng ke mekhoa e tsoetseng pele ea ho latela melao ka har'a mekhatlo ea lichelete e emela lisebelisoa tsa bohlokoa bakeng sa ho fokotsa botlokotsebe ba lichelete lefatšeng ka bophara.
Melawana ya Anti-Chelete Laundering (AML).
Melao e meholo ea ho thibela ho hlatsuoa ha chelete e kenyelletsa:
- US Molao oa Lekunutu oa Banka le PATRIOT Act
- EU Litaelo tsa AML
- UK le UAE Melawana ea ho Hlakola Chelete
Melao ena e hloka hore lik'hamphani li hlahlobe likotsi ka mafolofolo, li tlalehe litšebelisano tse belaetsang, li etse tlhahlobo e loketseng ea bareki, le ho phethahatsa litlamo tse ling tsa ho latela melao.
E matlafalitsoe ke likotlo tse ngata bakeng sa ho se ikobele melao, melaoana ea AML e ikemiselitse ho phahamisa tlhokomelo le ts'ireletso ho pholletsa le tsamaiso ea lichelete ea lefats'e.
Tseba Melao ea Bareki ba Hao (KYC).
Tseba melaoana ea bareki ba hau (KYC) e qobella bafani ba litšebeletso tsa lichelete ho netefatsa boitsebiso ba bareki le mehloli ea lichelete. KYC e ntse e le ea bohlokoa bakeng sa ho lemoha liakhaonto tsa bolotsana kapa litsela tsa chelete tse amanang le tlōlo ea molao ea lichelete.
Theknoloji e ntseng e tsoela pele joalo ka netefatso ea ID ea biometric, video ea KYC, le tlhahlobo ea othomathike ea morao-rao e thusa ho tsamaisa tšebetso ka mokhoa o sireletsehileng.
Litlaleho tsa Ketsahalo e belaetsang
Litlaleho tsa mesebetsi e belaetsang (li-SAR) li emela lisebelisoa tsa bohlokoa tsa ho lemoha le ho thibela ho sebelisoa ha chelete e sa hloekisoang. Litsi tsa lichelete li tlameha ho kenya li-SAR mabapi le litšebelisano tse belaetsang le mesebetsi ea liakhaonto ho litsi tsa bohlale ba lichelete bakeng sa lipatlisiso tse ling.
Mekhoa e tsoetseng pele ea li-analytics e ka thusa ho lemoha 99% e hakantsoeng ea mesebetsi e lokiselitsoeng ke SAR e sa tlalehoeng selemo le selemo.
Ka kakaretso, likhokahano tsa maano a lefats'e, mekhoa e tsoetseng pele ea ho latela melao, le khokahanyo e haufi ea sechaba le poraefete li tiisa ponaletso ea lichelete le bots'epehi ho pholletsa le meeli.
Ho Kopanya Theknoloji Khahlanong le Tlōlo ea Molao ea Lichelete
Theknoloji ea morao-rao e fana ka menyetla ea ho fetola lipapali ho ntlafatsa haholo thibelo, ho lemoha, le karabelo mabapi le litlolo tsa molao tse fapaneng tsa lichelete.
AI le mochini oa ho ithuta
Bohlale ba maiketsetso (AI) le li-algorithm tsa ho ithuta ka mochini li notlolla ho lemoha mekhoa ka har'a li-database tse kholo tsa lichelete tse fetang bokhoni ba motho. Lisebelisoa tsa bohlokoa li kenyelletsa:
- Litlhahlobo tsa bomenemene ba tefo
- Ho lemoha ho qhekella ha chelete
- Ntlafatso ea Cybersecurity
- Netefatso ea boitsebiso
- Litlaleho tse belaetsang ka boiketsetso
- Mohlala oa kotsi le ho bolela esale pele
AI e eketsa bafuputsi ba batho ba AML le lihlopha tsa ho latela melao bakeng sa tlhahlobo e phahameng, ts'ireletso, le moralo oa maano khahlano le marang-rang a botlokotsebe ba lichelete. E emetse karolo ya bohlokwa ya meralo ya motheo ya moloko o tlang wa Anti-Financial Crime (AFC).
"Theknoloji ke sabole e sehang ka nģa tse peli ntoeng khahlanong le tlōlo ea molao ea lichelete. Leha e hlahisa menyetla e mecha bakeng sa linokoane, e boetse e re fa matla ka lisebelisoa tse matla tsa ho li sala morao le ho li emisa." - Motsamaisi ea Phethahatsang oa Europol Catherine De Bolle
Litlhahlobo tsa Blockchain
Libuka tsa tlaleho tse phatlalalitsoeng phatlalatsa tse kang Bitcoin le Ethereum blockchain li nolofalletsa ho latela phallo ea lichelete ho fumana ho hlatsuoa ha chelete, bosholu, litefo tsa ransomware, lichelete tsa likhukhuni le litšebelisano tse lumelletsoeng.
Mekhatlo e hloahloa e fana ka lisebelisoa tsa ho latedisa blockchain ho litsi tsa lichelete, likhoebo tsa crypto, le mekhatlo ea mmuso bakeng sa bolebeli bo matla esita le ka li-cryptocurrensets tse shebaneng le lekunutu tse kang Monero le Zcash.
Biometrics le Digital ID Systems
Mahlale a sireletsehileng a biometric joalo ka menoana ea letsoho, retina le temoho ea sefahleho li nkela li-passcode sebaka bakeng sa netefatso ea boitsebiso bo tšepahalang. Meralo e tsoetseng pele ea ID ea dijithale e fana ka tšireletso e matla khahlanong le bosholu bo amanang le boitsebiso le likotsi tsa ho hlakola chelete.
Likopano tsa API
Li-interface tsa mananeo a kopo ea banka e bulehileng ( li-API ) li nolofalletsa ho arolelana data ka boiketsetso lipakeng tsa mekhatlo ea lichelete bakeng sa ho beha leihlo liakhaonto tsa bareki le litšebelisano ka har'a mekhatlo e fapaneng. Sena se fokotsa litšenyehelo tsa ho latela melao ha ka nako e ts'oanang se ntlafatsa ts'ireletso ea AML.
Ho arolelana tlhahisoleseling
Mefuta e inehetseng ea botlokotsebe ba lichelete e thusa ho fapanyetsana litaba tsa lekunutu lipakeng tsa mekhatlo ea lichelete ho matlafatsa ho lemoha bomenemene ha ho ntse ho latela melaoana e tiileng ea lekunutu.
Ka kholo e kholo ea tlhahiso ea data, ho kopanya lintlha ho tsoa ho li-database tse kholo ho bontša bokhoni ba bohlokoa bakeng sa tlhahlobo ea bohlale ba poraefete ea sechaba le thibelo ea botlokotsebe.
Tšebelisano 'moho le UAE le Interpol ho Loantša Litlōlo tsa Lichelete
UAE e hlokomela ka tieo tšokelo e kholo ea litlolo tsa molao tsa lichelete mme e nka khato e tiileng ka ho sebelisana le Interpol ho li loantša:
Kabo ea Bohlale
- UAE e fapanyetsana bohlale le Interpol mabapi le mekhoa ea botlokotsebe ba lichelete, typologies le marang-rang a botlokotsebe.
- Likanale tse sireletsehileng tsa Interpol li thusa ho arolelana tlhahisoleseling ho tšela meeli ho bao ho belaelloang hore ke litlokotsebe le liketso tse seng molaong.
Ho Sebelisa Mehloli ea Interpol
- UAE e sebelisa setsi sa Interpol sa Botlokotsebe ba Lichelete le Setsi sa Khahlanong le Bobolu mabapi le linokoane tsa lichelete.
- Lisebelisoa tse kang Global Stop Payment Mechanism li lumella ho hoama ha litšebelisano tse belaetsang.
- Mananeo a tšireletso a maoatleng a thusa ho tsebahatsa litlolo tsa molao tse amanang le litlolo tsa molao tsa lichelete.
Ts'ebetso e Kopanetsoeng
- Mekhatlo ea ts'ebetsong ea molao ea UAE e nka karolo ka mafolofolo ts'ebetsong e hokahaneng ea Interpol.
- Tsena li lebisitse tlhokomelo ea mantlha ea lichelete, ho khutlisa thepa, le ho qhaqha marang-rang a botlokotsebe.
- Mohlala oa morao-rao: Operation Lionfish khahlano le thekiso ea lithethefatsi lefatšeng ka bophara.
Boetapele ba Lefatše
- UAE e tšehetsa lenaneo la botlokotsebe le khahlanong le lichelete liforamong tsa UN le FATF haufi le Interpol.
- Ts'ebetso ena e matlafatsa tšebelisano-'moho ea machaba le ho tiisa mehato ea ho hanyetsa.
Ka tšebelisano ena e fapaneng e kopanyang bohlale, lisebelisoa, ts'ebetso le boetapele, UAE e matlafatsa ts'ireletso ea eona le ho khothaletsa tikoloho e sireletsehileng ea lichelete tsa lefats'e.
Kameho ea Litlōlo tsa Molao tsa Lichelete Moruong oa UAE
Litlōlo tsa molao tsa lichelete li baka tšokelo e kholo botsitsong le kholong ea moruo oa UAE. Litlamorao tse mpe li hlaha makaleng a mangata 'me li senya boiteko ba naha ba ho boloka tsamaiso ea lichelete e tiileng le e bonahalang. Litlōlo tsa molao tsa lichelete li se li metse ka metso moruong oa lefats'e , 'me Ofisi ea Machaba a Kopaneng ea Lithethefatsi le Botlokotsebe (UNODC) e hakanya hore kakaretso ea tsona e pakeng tsa 3-5% ea GDP ea lefats'e, e emelang US$800 bilione ho isa ho $2 trillion e phallang ka litsela tse seng molaong selemo le selemo.
Sa pele, ditlolo tsa molao tsa ditjhelete tse kang ho hlwekisa tjhelete, ho qoba makgetho le bosholu di ka sotha matla a mmaraka mme tsa theha sebaka se sa lekanang sa ho bapala bakeng sa dikgwebo tse molaong . Sehlopha sa Mosebetsi sa Ditjhelete (FATF) se tlaleha hore ho hlwekisa tjhelete feela ho fihla ho $1.6 trillion ka selemo, e leng se lekanang le 2.7% ya GDP ya lefatshe. Sena se ka nyahamisa matsete a kantle ho naha, sa sitisa boiteko ba ho fapanyetsana moruo, le ho thibela bo-rakgwebo le boqapi ka hara UAE.
Ho feta moo, ditlolo tsa molao tsa ditjhelete di ka fedisa tshepo ya setjhaba ho ditheo tsa ditjhelete le ditheo tsa mmuso, tsa sitisa bokgoni ba tsona ba ho sebetsa ka katleho. Sena se ka lebisa ho fofa ha tjhelete, ho fokotseha ha lekgetho, le ho lahlehelwa ke tshepo tsamaisong ya ditjhelete ya UAE, qetellong ya sitisa ntshetsopele ya moruo le menyetla ya kgolo. Dinaha tse ntseng di tswela pele di ka lahlehelwa ke tjhelete e fetang $1 trillion ka selemo ka lebaka la ho qoba le ho qoba lekgetho la dikhamphani, e leng se totobatsang ditlamorao tse mpe tsa moruo.
Qetellong, litjeo tse amanang le ho etsa lipatlisiso, ho qosa le ho khutlisa thepa e lahliloeng ke litlolo tsa molao tsa lichelete li ka senya ts'ebetso ea molao le lisebelisoa tsa boahloli tsa UAE, tsa faposa lichelete hole le libaka tse ling tsa bohlokoa tsa nts'etsopele ea moruo le mananeo a boiketlo ba sechaba.
Re fihle ho +971506531334 kapa +971558018669 ho buisana ka hore na re ka u thusa joang.
Mehato ea 'Muso oa UAE ea ho Loantša Litlōlo tsa Lichelete
Taba ea pele, UAE e matlafalitse moralo oa eona oa molao le oa taolo ka ho etsa melao e matla e khahlano le tšebeliso e mpe ea chelete (AML) le melao ea lichelete tsa bokhukhuni (CFT). Melao ena e fana ka taelo ea hore ho be le mekhoa e matla ea boitelo, litlhoko tsa tlaleho, le likotlo bakeng sa ho se ikobele.
Taba ea bobeli, mmuso o thehile mekhatlo e ikhethileng le mabotho a sebetsang a ikemiselitseng ho fumana, ho batlisisa le ho qosa litlolo tsa molao tsa lichelete. Tsena li kenyeletsa Lekala la Linyeoe tse Khahlanong le Tšebeliso e Ntle ea Chelete le Melato e Pelaetsang (AMLSCU) le Kantoro ea Phethahatso ea Khahlano le Tšebeliso e Ntle ea Chelete le ho Khahlanong le Lichelete tsa Likhukhuni.
Taba ea boraro, UAE e matlafalitse tšebelisano ea eona le mekhatlo ea machaba le balekane ba kantle ho naha. Sena se kenyeletsa ho ba le seabo ka mafolofolo matsapeng a eteletsweng pele ke Sesole sa Tshebetso sa Ditjhelete (FATF), Sehlopha sa Egmont sa Diyuniti tsa Bohlale ba Ditjhelete, le Interpol, jwaloka ha ho hlalositswe pejana.
Qetellong, mmuso o tsetetse haholo ho aheng bokgoni le ho hlokomedisa setjhaba. Sena se kenyeletsa mananeo a koetliso bakeng sa ts'ebetsong ea molao, mekhatlo ea lichelete, le likhoebo ho matlafatsa bokhoni ba bona ba ho tseba le ho tlaleha liketso tse belaetsang. Masolo a tlhokomeliso ea sechaba a boetse a ikemiselitse ho ruta baahi le baahi ka likotsi le litlamorao tsa litlolo tsa molao tsa lichelete.
Re fihle ho +971506531334 kapa +971558018669 ho buisana ka hore na re ka u thusa joang.
