Botlokotsebe ba lichelete bo bua ka diketso tse seng molaong e kenyeletsang dikgwebo tsa bomenemene tsa ditjhelete kapa botshepehi bakeng sa ho ithuisa lichelete. Ke boemo bo matla le bo ntseng bo mpefala lefatše taba e nolofalletsang litlolo tsa molao tse kang ho qhekella ha chelete, lichelete tsa likhukhuni, le ho feta. Tataiso ena e pharaletseng e hlahloba tse tebileng litšokelo, e fihlang hole tshusumetso, tsa moraorao mekhoa, 'me e atlehang ka ho fetisisa litharollo bakeng sa ho loantša botlokotsebe ba lichelete lefatšeng ka bophara.

Tlōlo ea Molao ea Lichelete ke Eng?

Tlōlo ea molao ea lichelete e akaretsa efe kapa efe melato e seng molaong e kenyeletsang Ho fumana chelete kapa thepa ka thetso kapa bomenemene. 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.

sa tšoaneng mekhoa e seng molaong thusa ho pata botho kapa semelo sa nnete sa chelete le tse ling tse thepa. Litlōlo tsa molao tsa lichelete li boetse li etsa hore ho be le litlōlo tse tebileng tsa molao tse kang ho rekisa lithethefatsi, ho rekisa batho, ho mokola le tse ling. Mefuta ea ho ikoetlisa joalo ka ho thusa, ho tsamaisa kapa ho rera ho etsa litlolo tsena tsa lichelete ha ho molaong.

Theknoloji e tsoetseng pele le khokahanyo ea lefats'e li etsa hore tlōlo ea molao ea lichelete e atlehe. Leha ho le joalo, e inehetse lefatšeng ka bophara mekhatlo li ntse li tsoela pele li kopantsoe litharollo 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

The mokhoa oa khale of tšebeliso ea chelete e 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 hona, lefats'e anti-chelete laundering (AML) melaoana e laela litlamo tse thata tsa ho tlaleha le mekhoa ea ho latela melao bakeng sa libanka le mekhatlo e meng ho loants'a ts'ebeliso e mpe ea chelete. Next-gen AI le litharollo tsa ho ithuta ka mochini li ka thusa ho iphumanela ak'haonte e belaetsang kapa mekhoa ea ho etsa lintho.

Ho qhekella

Litahlehelo tsa lefats'e ho bomenemene ba tefo e le 'ngoe e fetisitsoeng $ Limilione tse likete 35 ka 2021. Bomenemene bo fapa-fapaneng bo sebelisa theknoloji, bosholu ba boitsebiso, le boenjiniere ba sechaba ho thusa phetiso ea chelete e seng molaong kapa ho fumana chelete. 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 marang-rang khahlanong le mekhatlo ea lichelete li eketsehile ka 238% lefatšeng ka bophara ho tloha 2020 ho ea ho 2021. Kholo ea lichelete tsa digital e eketsa menyetla ea theknoloji e nolofalitsoeng. litlolo tsa molao tsa lichelete tsa marang-rang 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

Litahlehelo ho botlokotsebe ba lefats'e bo ka feta $ 10.5 litrillione lilemong tse hlano tse tlang. Ha ts'ireletso ea cyber e ntse e ntlafala, linokoane tsa litsebi li nts'etsapele lisebelisoa le mekhoa e tsoetseng pele ea ho fihlella ntle le tumello, ho tlola data, litlhaselo tsa malware le bosholu ba lichelete.

Tlhaselo ea Lekhetho

Ho tlalehoa hore ho qoba lekhetho lefatšeng ka bophara ke likhoebo le batho ba boleng bo holimo ba feta $ 500-600 limilione tse likete ka selemo. Likheo tse rarahaneng tsa machaba le libaka tsa lekhetho li bebofatsa bothata.

Phokotso ea lekhetho e senya meputso ea sechaba, e mpefatsa ho se lekane, ’me e eketsa ho itšetleha ka likoloto. Ka hona e thibela lichelete tse fumanehang bakeng sa lits'ebeletso tsa bohlokoa tsa sechaba joalo ka tlhokomelo ea bophelo bo botle, thuto, litšebeletso tsa motheo le tse ling. Tšebelisano e ntlafalitsoeng ea lefats'e har'a baetsi ba melaoana, balaoli, likhoebo le mekhatlo ea lichelete e ka thusa ho etsa hore litsamaiso tsa lekhetho li be le toka 'me li be pepeneneng.

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).

Major melaoana e thibelang tšebeliso ea chelete kenyeletsa:

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 lifeme li hlahlobe likotsi, li tlalehe litšebelisano tse belaetsang, ho sebetsa ka thata ho bareki le ho phethahatsa tse ling. latelwa boitlamo.

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 moreki oa hau (KYC) melaoana e tlama bafani ba litšebeletso tsa lichelete ho netefatsa boitsebiso ba bareki le mehloli ea lichelete. KYC e ntse e le bohlokoa bakeng sa ho bona liakhaonto tsa bomenemene kapa litsela tsa chelete tse amanang le botlokotsebe ba 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 tse belaetsang tsa ts'ebetso (SARs) emela lisebelisoa tsa bohlokoa tsa ho lemoha le ho thibela ho loants'a chelete e sebelisoang hampe. Mekhatlo ea lichelete e tlameha ho kenya li-SAR mabapi le litšebelisano tse belaetsang le mesebetsi ea liak'haonte ho lihlopha 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

Artificial Intelligence (AI) 'me ho ithuta mochine Li-algorithms li notlolla mokhoa oa ho lemoha ka har'a li-database tse kholo tsa lichelete ho feta 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 toantšong ea botlokotsebe ba lichelete. Le ha e hlahisa menyetla e mecha bakeng sa linokoane, e boetse e re fa matla ka lisebelisoa tse matla tsa ho li latela le ho li thibela. ” - Motsamaisi e Moholo oa Europol Catherine De Bolle

Litlhahlobo tsa Blockchain

Lipampiri tse ajoang pepeneneng tse kang Bitcoin le Ethereum blockchain thusa ho latedisa phallo ea letlole ho supa bosholu ba chelete, bomenemene, litefo tsa ransomware, lithuso tsa lichelete tsa bokhukhuni, 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

se sireletsehileng theknoloji ea biometric joalo ka menoana, retina, le temoho ea sefahleho li nka sebaka sa li-passcode bakeng sa netefatso ea boitsebiso bo tšepahalang. Merero e tsoetseng pele ea ID ea dijithale e fana ka litšireletso tse matla khahlano le bomenemene bo amanang le boitsebiso le likotsi tsa tšebeliso e mpe ea chelete.

Likopano tsa API

Bula lihokelo tsa mananeo a libanka (APIs) etsa hore ho arolelanoa ha data ka mokhoa o itekanetseng pakeng tsa mekhatlo ea lichelete bakeng sa ho hlahloba mekhatlo e mengata ea li-account tsa bareki le litšebelisano. Sena se fokotsa litšenyehelo tsa ho latela melao ha se ntse 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

Litlolo tsa molao tsa lichelete li baka tšokelo e kholo botsitsong ba moruo le kholo ea UAE. Litšusumetso tse mpe li khutlela mafapheng a mangata 'me li nyenyefatsa boiteko ba naha ba ho boloka tsamaiso e matla le e hlakileng ea lichelete. Litlōlo tsa molao tsa lichelete li fetohile e metseng ka metso moruong oa lefatše, le Ofisi ea Machaba a Kopaneng ea Lithethefatsi le Botlokotsebe (UNODC) ba hakanya kakaretso ea bona ho 3-5% e makatsang ea GDP ea lefats'e, e emelang lidolara tse limilione tse likete tse 800 ho isa ho libilione tse peli tse phallang ka likanale tse seng molaong selemo le selemo.

Taba ea pele, litlolo tsa molao tsa lichelete tse joalo ka tšebeliso e mpe ea chelete, bofokoli ba lekhetho le bomenemene li ka khopamisa mebaraka le ho baka ho se leka-lekane. lebala la lipapali bakeng sa likhoebo tse molaong. Setsi sa Ts'ebetso ea Lichelete (FATF) e tlaleha hore tšebeliso e mpe ea chelete e le 'ngoe e fihla ho $1.6 trillion ka selemo, e lekanang le 2.7% ea GDP ea lefatše. Sena se ka nyahamisa matsete a kantle ho naha, sa sitisa boiteko ba ho fapanyetsana moruo, 'me sa khina khoebo le boqapi ka hare ho UAE.

Ho feta moo, litlolo tsa molao tsa lichelete li ka felisa tšepo ea sechaba mekhatlong ea lichelete le mekhatlong ea mmuso, ho sitisa bokhoni ba bona ba ho sebetsa ka katleho. Sena se ka lebisa ho phallong ea chelete, ho fokotseha ha lekhetho la lekhetho, le tahlehelo ea ts'epo tsamaisong ea lichelete ea UAE, mme qetellong ea sitisa nts'etsopele ea moruo le menyetla ea kholo. Linaha tse tsoelang pele li ka lahleheloa ke chelete e fetang $1 trillion ka selemo ka lebaka la ho qoba lekhetho le ho qoba lekhetho, e leng se totobatsang liphello tse matla 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.

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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.