Ukuqonda ubuqiniso bokushushumbisa imali eDubai kubalulekile kulabo abasebenza emkhakheni wezezimali. Lo ngumsebenzi lapho imali engcolile iguqulwa ibe yimali ehlanzekile. Imithombo yemali empeleni ingubugebengu; imali itshalwa ngezindlela ezifihla indlela imali eyenziwe ngayo.
Ngenkathi senza ukuhweba ngemali nokwakha ubudlelwano namakhasimende amasha, umthwalo wemfanelo ukulele ibhizinisi. Umnikazi noma inhlangano kufanele ikhombe isibopho sayo futhi ibone lezo zimo ngokuhamba kwesikhathi esikhathini sokuhweba. Ibhange eliphakathi cishe kunoma yisiphi isimo linikezela nge-AML ne-CFT ngemihlahlandlela ephelele yokulwa nalezi zenzo. Lezi zinqubomgomo, lapho zamukelwa ngokwenkolo, zinikeza amabhange ukuphepha okwanele ukudikibala izimo ezinjalo.
Izingozi Zokuhlukana Kwezimali E Dubai:
Ubungozi Begama
Ingozi ebalulekile yanoma yiluphi uhlobo lwemali ekhishwa ngemali yasebhange ukuthi ibhange libhekene nengozi yedumela lalo. Ubungozi bungadala ukuthi isikhungo sezezimali sibhekane nezimali kanye nokuphenya okuhlukahlukene. Isithiyo esikhulu okufanele ibhange lisuse ukungathembani kumakhasimende, okuzoba yingozi.
Ingozi yokusebenza
Le ingozi ilele kubantu, izinqubo zangaphakathi nohlelo. Kuyisongo esizoba yingxenye yemisebenzi yenkampani. Idala ukuphazamiseka ekusebenzeni kahle kwebhizinisi.
Usongo Lwezomthetho
Izinsongo zomthetho nazo zingadalwa ngenxa yokungaqiniseki ngokwezenzo zomthetho ezithuthukiswayo nokuthi inkampani kumele iphathe.
Ingozi Yokugxila
Izinsongo ezinjalo zifaka izimo lapho ibhange liboleke imali eqenjini elithile; ziphathelene nomkhakha webhange.
Izindleko zamathuba
Phakathi kwemiphumela emikhulu ibhange elibhekene nayo ukukhuphuka kwezindleko zamathuba.
Imiphumela eminingi engathandeki ilethwa ukuxhaphaza imali ngenxa yezingozi eziyivezayo. Ekugcineni kubangela ukuthi ibhange libhekane nokulahlekelwa futhi kuphakamisa amathuba ezingozi ezinkulu kanye nezindleko zamathuba esikhungo sezezimali.
Izinhlangano zobugebengu ube nezinhloso ezintathu lapho kubhangiswa inzuzo yezenzo ezingekho emthethweni. Lezi izi:
- ehambisana nesenzo sabo esingekho emthethweni.
- ukutshala inzuzo yabo emjikelezweni wezobugebengu kanye nesenzo sokugqugquzela esingavunyelwe.
- ukuze ujabulele ekuzuzeni kwesenzo esingekho emthethweni
Indlela Yokulwa Nokuhlukana Kwemali e-Dubai, e-Abu Dhabi, e-UAE nase-Sharjah:
Ukulwa nokukhwabanisa kunzima kakhulu nganoma yisiphi isikhungo sezezimali. E-UAE, amasiko ezinkambiso, ukuthungela kanye nobuphekula kwenza ukutholakala kokudluliselwa kwemali okusolisayo kunzima kakhulu. Ngenxa yalesi sizathu, ezinye izikhungo zezezimali, kanye namabhange, kumele ziqaphele ekuqondeni amakhasimende abo kanye nokulandelela izenzo zamakhasimende.
Kwezinye izizwe, lezi zenzo ezimweni eziningi zibhekwa njengezingqubuzana namasiko obuzwe kanye nobuhlobo bamakhasimende.
Izinyathelo zithathwa yiziphathimandla e-UAE ekusetshenzisweni kwemithetho yezimali yama-AML / counter-terrorism, imihlahlandlela nemigomo. Kodwa-ke, ungathola ukuhluleka okuningi emaqenjini ezezimali nezomthetho okufanele aqondiswe:
- Kukhona imakethe yemali engavamile, futhi uhlelo lwebhange alufakwanga ngemisebenzi eminingi yezimali.
- Izidingo zokutholakala kwemali azisetshenziswa ngokungaguquguquki futhi ezinye izifundazwe bezingeke zibe nezidingo zokubika imali zabantu abasuka e-United States.
- Amayunithi e-intelligence intelligence adalwe ngokuhambisana namazinga angaphandle, kodwa iningi lalo linakho ukuzimela, ubuchwepheshe kanye nenhlangano eyanele.
- Akulula ukuthola ibhalansi ebandakanya ukuhlukaniswa kwamalungelo abantu kuqhathaniswa nesidingo sokuvikela umphakathi kubashokobezi nezigebengu.
Ukuvikelwa Ngokuhlukana Kwemali e Dubai Kuqinisa:
Ukwehliswa kwemali enkulu kuyisibonelo esilula sokudlulisa imali, imvamisa isuka kwesinye isizwe iye kwesinye, ukudukisa iziphathimandla zikholelwe ukuthi yonke imali abayitholile ngokungemthetho ivela emithonjeni esemthethweni futhi ifihle nokuthi ivelaphi. Abasebenzi bezomthetho bese bethatha imali okutholakala ukuthi ixhunyaniswe nezenzo ezingekho emthethweni.
Abaphulaphuli abavamile:
Abadayisi bezidakamizwa: Abathengisi bezidakamizwa basingatha imali enkulu, okwenza kube nzima ukuba iziphathimandla zenze umzila wephepha. Amafulegi abomvu akhuliswa yimali eningi yemali.
Ama-Mobsters / amaGundane: Njengabathengisi bezidakamizwa, ukuthengiswa kwemali okuningi kwenziwa yiba bantu ngenkathi begcina amanethiwekhi ephephile phesheya.
Abezombusazwe Abakhohlakele: Ngokufinyelela okukhulu kuma-lobbyists kanye nokuxhumana ngemali, isenzo sokukhwabanisa imali kungabonakala njengenye yezindlela ezisebenza kahle kakhulu zokuvikela impahla yomuntu. Kakhulu, noma ngubani osendaweni yamandla owenza imisebenzi yakhe ngokungangabazeki uzosebenzisa lo msebenzi.
Ama-Embezzlers: Amacala akhombisile ukuthi abantu abathathe imali ezindaweni zabo zebhizinisi noma kumqashi bazobamba iqhaza ezenzweni zokufihla lezi zimpahla ezisanda kutholwa.
Con Abaculi: Noma imuphi umuntu okulungele ukukhohlisa umuntu ngezimpahla zakhe ukulungele ukumhlanza yena noma imithombo yakhe.
Amaphekula: Amaphekula ahileleke kakhulu ekusetshenzisweni kwemali ngokungemthetho. Izenzo zobuphekula kumele zixhaswe; ngaphandle kwalokho, izikhali kanye neziqhumane bekungeke kube yimpahla etholakalayo.
Kunezinyathelo ezintathu eziyinhloko: Ukuhlanganisa, Ukubeka nokubeka.
Ukubeka: ngokuyisisekelo ifaka imali "embi" esikhungweni sezimali esaziwa kahle. Idiphozi idalwe ngokheshi. Lesi isinyathelo esinobungozi obukhulu, kuya ngokuthi isikhungo sezezimali siyilandela kanjani imithetho yokugcinwa kwemfihlo yasebhange noma imithetho yokubika yasebhange. Kwesinye isikhathi, umhlanzisi wempahla uhlukanisela “umholo” wakhe ngaphezu kwamabhange amaningi ukunciphisa isamba esifakiwe.
Ukubeka: kuyisinyathelo esiyinkimbinkimbi kunazo zonke enkambisweni yokukhishwa kwecala. Lokhu kudinga ukuqondisa imali ngenhloso yokufihla imithombo yayo ngokusebenzisa izikhungo zezezimali. AbakwaLaunderer bangase bathenge izinto ezibiza njengezimoto, ama-yachts noma amabhlocwe. Futhi, ukufihla umthombo kubalulekile.
Ukuhlanganisa: yingxenye yokugcina yenqubo lapho imakethe ifakwa khona yibhidi ngokubonakala kokulethwa ngokusemthethweni ngendlela yokuhweba okusemthethweni. Lapha umthengisi wemali anganquma ukuthi bazisebenzisa kanjani izinsizakusebenza zabo, njengebhizinisi elizimele, ukwenza "inzuzo yebhizinisi" noma "izindleko zebhizinisi".
Ukwehlukaniswa kwemali sekuyindawo ekhulayo okugxilwa kuyo osomabhizinisi neziphathimandla njengoba unswinyo selukhule kakhulu emazweni.
Izinkampani zibhekene nezijeziso ezinzima kakhulu, kufaka phakathi izinhlawulo eziphakathi kuka-Dh300,000 no-Dh1.
Uhlaka lokulawula luqiniswa futhi yimithetho emisha kakhulu. Bajezisa abasebenzi, abaphathi kanye namalungu ebhodi amabhizinisi ahlulekayo ukubika ngezimali zamaphekula noma ukuxhashazwa kwemali okwenziwa amafemu abo, ngesigwebo esifinyelela ezinyangeni ezingama-36, inhlawulo efinyelela ku-Dh100,000 noma zombili.
Ngokokuqala ngqa, umthetho uzophinda uvikele abashaya impimpi ngokushintshaniswa kwemali eDubai - kubikwe ukuthi kusolwa imali ngokungemthetho noma uxhaso lwamaphekula.
Emhlabeni wonke, izindleko zokulwa nemali zanda ngejubane elijwayelekile lamaphesenti angama-53 emabhange, ngokuya ngohlolo lweKPMG.
Nazi izindlela ezimbalwa ezisebenzayo ongazisiza ukuvimbela loluhlobo lokukhwabanisa:
- Khokha ngesheke noma ngekhadi lesikweletu / debit kodwa ukheshe uma uthengisa izimpahla namasevisi.
- Uma imali ikhokhwe nguwe, qinisa irisidi elivela kwirejista, uma ikhona.
- Kungenjalo, gcizelela iresidi ebhaliwe.
- Ungakhokhisi abasebenzi bakho basekhaya ngemali.
- Ungathathi izinkokhelo ezinkulu zemali.
