Ukulandela Kwezimali Zihluko-Lizwe: Ukuhamba Ngapha Kwamathuba aKuOFAC, CRS Nokukhakha Kwezimali

Ukuziqonda Kwezinhlelo Eziningi Zemithetho Yezimali Zilizwe Elinye

Ekonomini yasekhohlo ngokwamanje, ukulungiswa kwezimali ezihlukene kuzinzile kakhulu kubizinesi abahlangana nezimali eziphakathi. Izihlalo zomnotho, izikhangeli, nezinkundla zokuphumula kufuneka ziqhubeke ngendlela eyimfushane yesivumelwano, izilandelwa zokumelana, nokulawula izindleko. Izigaba ziyaphakeme kune njalo, izibonisi zokulawula zibophephela izindleko ezikhulu kumaqondana angalungisi ngelishwa ngabe izondzo zezimoto zingatholanga indlela entsha yokuthintela lezi zindleko.

Isivumelwano esihlanganisa izimali eziphakathi sinezindaba eziningi zokulungiswa, kusukela kuze kube ngu-Know Your Customer (KYC) ukuya kusukela ekugcineni izilandelwa zokumelana nokulawula izinto ezithintekayo. Izinhlangano kumele zilondoloze izinhlelo nezindlela eziphepha ukuqinisekisa ukulungiswa kwalezi zivumelwano ngelinye ngenkathi zixhasa izimali eziphakathi ngendlela efanelekileyo kubo bonke abaseshishini bazo.

Izibonisi Ezibalulekile Zokulawula Nezidingo Zabo

Indima ye-OFAC kuze kube yimali engaphandle kwemibuso

IBhurosi lama-Asete ephakeme (OFAC) libaleka indima eyisisekelo ekulondolozweni kwezimali ezihamba phakathi kweekhontile ngokuphatha nokuvavanya izibopho zezimali. Kufuneka izinkampani zomnotho ziqaphele konke okuqukethwe kumalini nge-SDN List ya-OFAC ukuze bakwazi ukuthintana nomuntu okhokhelwayo.

Ukubophelela kuka-OFAC kudinga ukuba izinhlangano zenze izinhlelo ezihlelekileyo zokuchaza futhi bazilondoloze izithumaniso ezidala ngokujulile. Lokhu kuhlanganisa ukuvuselela kwezinhlelo zochazelo, ukugcina izithumaniso ezihlelekileyo zemiphumela yokuzindza, nokuthumela ngokushesha izimangalo mayelana nokuthuthwa okungahle kwenziwa.

Ukusebenzisa Kwesimo sikhululekileyo (CRS)

Isimo sisezantsi seziqiniso sikhomba indlela eyisisekelo yokuthengiswa ngokuzenzekalelayo kwezinkcazo zezikhampani zomnotho. Kufuneka izinkampani zomnotho zenzeke futhi zithumele izinkcazo ezinhle kangaka mayelana nendawo abasebenzisi bezifundisa kuyo nokuthi banezimali zokulima kubaphathi bezimali bazakwabo, ababiza lezi zinkcazo eziphathelene nezinye izigaba eziqukethe.

Ukusebenzisa izimfuno ze-CRS kudinga imithombo enkulu kanye nesilingo sesayensi. Kufuneka izihlalo zenze amathuba okuthola izinkcazo ezingcono, ukubaluleka kwemibhalo yobungcwele, kanye nokugcina izinkcazo ezihle ngemuva kokuhlonza phambili inkolo kanye nokuphepha kwedatha.

Izenzo Zokwemukela Kwemvume Yokuthengisa

Izinto Nezinsiza Ezisetshenziswa Kabili

Imithetho yokorhwebo yokuthengisa iyala ukuthuthwa kwezinto, izinzezelo, kanye nezinsiza ezingasetshenziswa ngokuphambene kanye ngokuyisikhanda. Kufuneka izinkampani zomnotho ziphathise ukuthi izilungiso ezihambisanayo nezizinto zizephele imithetho yesivumelwano sokuthengisa kanye nezimfuno zezivumelwano.

Kumele izihlakalakahle ziqophe izinkundla zokulandela uhlelo oluphucukileyo ukuze kubonakale amalungelo okukhokha okuhlobene nezinto ezilondoloziwe kanye nokugcina ngempahla izivumo zokuthenga futhi izivumo zomsebenzisi wokugcina. Lokhu kudinga ukusambana okugcwele phakathi kwezimali zokulandela, izigaba zokuthengamthengisela, nezinkundla ezenza ngaphandle.

Ukulahlekelwa Kwezimali Nokuhlola Umculo

Ukulahlekwa kwezimali kudinga indlela eyenziwa ngokuhlola umculo okubhekana ngezinhloso ezithile, kufanele kube yini inhlalo, izigaba zomnotho, nezindlela zokukhokha. Kumele izihlakalakahle zihlaziywe izinhloso zokuhlola umculo ukuze ziboneke nemvume yezimali evela futhi izidingo ezishintshwayo zokulandela.

Izigaba ezilungile ekulandeleni izinhloso zokulandela zibalasele kakhulu kutechnology yesidima esisha nesayensi yokufunda ukuze kulindeleke ubuncike bomlando bokulahlekwa kwezimali kanti kugcinwe ubuncike obuphelele beziphumayo ezithile.

Izimpendulo Ezilungile Ekusebenzeni Kwizinhloso Zokulandela

Izidingo Ze-Technology Neziseko

Inkampani eyiqinileyo yokulungiselela imali ngaphandle kwezifundazwe ibaluleke kakhulu ekusakazeleni teknoloji. Lokhu kufaka izinhlelo zokuhlola ezihlelekile, izixhobo zokuphatha izimo, nezinhlelo zokulungiselela ezenziwe ngokuhlanganisa ezingezikhathi eziningi zokuthengisa ngelilanga njalo kuyizilingo nokusebenza kahle.

Kumele izihlaliselo zithenge izisombululo ezinikela amandla okuhlola ngexesha elijulile, ukuphatha isabelo sokusebenza ngendlela ethintekayo, nezibhalo ezibonakala zonke. Kukho ukubaluleka kakhulu kokuvuselela izinhlelo ngezikhathi ezihlukene ukuqinisekisa ukusebenza kahle kanye nokuthuthukiswa kwezidingo zokulungiselela.

Ukufundisa Abasebenzi kanye Nokuthuthukisa

Ubungako babantu bubaluleke kakhulu ekulungiseleleni imali ngaphandle kwezifundazwe nakuba kukhona ukuthuthukwano kwezobuchwepheshe. Kumele izihlaliselo ziphinde ziphinde zibuye zifunde abasebenzi ukuthi baziphathe izimpendulo, izindleko eziphendula, kanye nezinhilo ezichanekileyo zokuphatha izimo ezingcono.

Imfundo ezihlanu, izinhlelo zokubhokisa, nezindlela zokuthuthukiswa kweprofeshini ephinde iphinde kuzozama ukugcina abasebenzi basekhusela abakhethekile abakwazi ukunquma ngendlela efanelekile emehlweni engcono.

Amathiphu Neziphikiselo Ezosohlwayo

Ukuguquka Kwempahla Yekhowunti Elekthroniki

Uguquko olusondeni lwemithombo ye-elekthroniki yekhowunti kuneziphikiselo nezimali ezinikezwa kumsebe wokukhokha phakathi kwezizwe. Ngenkathi izitekithi ezintsha zingahlunga izindlela zokuhlola nokunciphisa umsebenzi wokwenza ngendlela eyayisebenzi, futhi kuneziphikiselo ezintsha okumele izinhlelo zokukhokha zizimele kuze ziqondise.

Izigwebo kumele zilindele isimo sezimali zokuthuthukiswa futhi zilungise izinhlelo zabo zokukhokha ukuhambisana nembala yezindlela ezintsha zokukhokha ngelishwa lizame ukulandela ububi bokudala. Lokhu kufaka phakathi ukuzwisisa iziphakamiso ze-cryptocurrencies, teknoloji ye-blockchain, nezinye izibonakude zokukhokha ezivusele.

Uguquka Kwebhurekri Nezilinganiso

Isimo sezolungelo sikhululekile ukuthi siyizwe ngokuthi izisebenzi zihlangabezana ngezindlela ezintsha kanye ngezinguquko ze-teknoloji. Izinhlangano kumele zilondolele izinhlelo ezingcono zokwemukela okufanelekileyo okungakwazi ukulungiswa kuzidingo ezintsha njalo kuyadinga ukuthi kube yisikhathi esigcwele ukulandela izilawu ezasekuqaleni.

Ukulinganisa kakhulu kudinga ukubheka ngaphambili izindevo zezolungelo, ukubuyekeza izinhlelo ngenkathi, nokusebenzisa ngokushesha izinguquko ezidingekayo ukuze kugcinwe ubunzima bezolungelo.

Imibuzo Evame Ukubuzwa

Iziphi iziqiniso ezibalweni zenhlelo yokwemukela okufanelekileyo yokukhokha phakathi kwemithethosayensi?

Inhlelo efanele yokwemukela okufanelekileyo ibonakala nezinkundla zobuchwepheshe obukhulu, izinhulo nezibizo ezijwayelekile, ukufundisa isifundo ngokuvamile, izinhlelo yokuhlola ingcindezi, nezinhlelo zokudokolozela ngokuhle. Kufanele kube nenhlola ngokuvamile kanye ngezinguquko ukuze kugcinwe ubunzima kanye nokuthembana kwezolungelo.

Kunjani izinhlangano zingakwazi ukulungana izidingo zokwemukela okufanelekileyo kanye nokusebenza kahle?

Izihlakani zingafinyelela leli qiniso ngokusebenzisa izinqumo zokuhlola ezahlukile, ukuthi kusungulwe imithetho ephambili yokuthutha, kanye nokugcina izindlela ezivelayo kumngeni okuphambene ngenhloso lokucophelela izimali kumasebenzi aphezulu kakhulu kodwa akunciphise amandla kumasebenzi angaphansi kakhulu.

Kutheni iziphumo zokungqubana nokulawula izimpendulo zokulawula izinkonzo ephakathi kwemibuso?

Okungqubanga kungaholela ekufaneni imali enkulu, izenzo zokulawula, inhlaka yomlando, kanye nezono ezibalulekile. Izigaba futhi singalindeli ukuthi kuthintelwe inkambo yabo yokwenza umnotho phakathi komlilo kanye nokuphela kwemibondozo yezinkampani.