Kubvisa mari muchivande inzira yekupa mari yemhosva chitarisiko chekwakabva zviri pamutemo, uye muNetherlands inorangwa pasi peZvikamu 420bis uye kutevedzera Dutch Criminal Code. Kune mabhizinesi mazhinji, zvisinei, kufumurwa uku hakusi kwemhosva asi kwemutemo: Mutemo weMoney Laundering and Terrorist Financing (Prevention) Act, Wwft, unoisa mabasa ekuongorora vatengi uye ekuzivisa kutengeserana kusingawanzoitika pamasangano akasiyana-siyana, uye vatariri vanosimbisa mabasa iwayo pasinei nekuti kwakaitwa kupukuta.
Sei kudzivirira kuri nyaya yemutemo usati wava nyaya yemhosva?
Kubvisa mari muchivande inzira yekupa mari yemhosva chitarisiko chekwakabva zviri pamutemo. MuNetherlands, zvinorangwa pasi peChikamu 420bis uye kutevedzera Dutch Criminal Code: kuvanza kana kuvanza hunhu, kwakabva kana nzvimbo yepfuma, asiwo kuwana, kubata kana kushandisa pfuma uchiziva, kana uine zvikonzero zvine musoro zvekufungira, kuti inobva mumhosva. Kune mabhizinesi mazhinji nenyanzvi, zvisinei, kusangana kwekutanga nenyaya iyi hakusi dare remhosva asi kutarisirwa. Mutemo weMoney Laundering and Terrorist Financing (Prevention) Act, Wwft, unoisa mabasa ekudzivirira paboka remasangano nevanorinda. Kusaita mabasa iwayo uye kufumurwa kwacho kunotarisirwa usati wava mhosva: murairo wepamutemo, murairo unobhadharwa chirango, faindi yekutonga, uye mhedzisiro yemukurumbira inotevera kuburitswa. Gwaro iri rinofukidza divi rekudzivirira. Kuti uwane migumisiro yemhosva yekubvisa mari muchivande, ona gwaro redu pa zvirango zvekubiridzira mari.Matanho matatu anofanira kuparadzaniswa
Kukurukurirana pamusoro pekubvisa mari kunowanzo patsanura mibvunzo mitatu yakasiyana kuita imwe. Yakakodzera kupatsanurwa pamberi pechimwe chinhu. Yekutanga imhosva yekubvisa mari, pasi peZvikamu 420bis uye zvinotevera zveCriminal Code. Izvi ndezvekuti munhu akapara mhosva here, uye inosarudzwa nedare remhosva. Yechipiri ibasa rekudzivirira pasi peWwft. Izvi zvinoshanda kumasangano, kwete kune wese munhu, uye hazvidi kuti uratidze kuti pane mhosva yakaitika. Basa rekushuma rinobatana nekutengeserana kusingawanzoitika mukati mezvinoreva zviratidzo zvemutemo. Chechitatu imhedzisiro yekusatevedzera: matanho ekutarisira uye faindi dzekutonga pakutanga, pamwe nemitero yematare edzimhosva uye, mune dzimwe nyaya dzakatsanangurwa, kuratidzwa kwemhosva pamwe chete. Kutengeserana kusingawanzoitiki hakusi, netsananguro, kuburitsa mari. Kutengeserana kwakataurwa hakusi kupomera. Kuparadzanisa zvikamu zvitatu ndiko kunobvumira sangano kutevedzera pasina kubata vatengi varo sevanofungidzirwa.Ndiani anowira pasi peWwft
Chinyorwa 1a cheWwft chinoratidza masangano nenyanzvi dziri mukati mechikamu. Muchidimbu: Chikamu chemari: mabhangi, makambani ekudyara mari, masangano emari emagetsi, vanopa masevhisi ekubhadhara, masangano ekutsinhana mari nevanoisa inishuwarenzi mukati mezvikamu zvinotsanangurwa neMutemo. Chikamu cheCrypto: vanopa masevhisi emari ecrypto. Nyanzvi dzezvemitemo nezvemari: vanyori vemutemo wehurumende, magweta, maakaunzi, vapi vemazano emitero nemahofisi etrust, maererano nemasevhisi akasarudzwa. Zvivakwa nekutengeserana: vamiririri vezvivakwa, vanoongorora mitengo, makasino, vanopa masevhisi ekubhejera ari kure uye vatengesi vehunyanzvi muzvinhu mukati mezvikamu zvinotsanangurwa neMutemo, kusanganisira vatengesi vehunyanzvi, vagadziri vezvishongo, vanotengesa mota uye vanotengesa zvikepe.Vatengesi vezvinhu
Kuti mutengesi akafukidzwa here, uye kuti mabasa api, zvinoenderana nechikamu chemutemo icho mutengesi anowira, rudzi rwekutengeserana uye kutengeserana kuri kutaurwa. Kugamuchira muripo mukuru wemari kunogona kuita kuti mutengesi apinde muchikamu, asi hazvireve kuti mutengesi wese anova pasi pese pazvisungo zveWwft kana muripo wasvika panhamba yakatarwa. Mubvunzo chaiwo ndewekuti ndechipi chikamu cheChinyorwa 1a chinokodzera chiitiko ichi, uye ndechipi mabasa anobatanidzwa muchikamu ichocho.Magweta nemagweta
Mutsetse uyu haushande pakati pematare edzimhosva nebasa rekutengeserana. Mutemo weWwft unoshanda kumagweta chete maererano nemasevhisi akasarudzwa muMutemo. Kusarudza chinzvimbo chemutengi pamutemo, uye kumiririrwa mumatare edzimhosva kana zvine chekuita nezviitiko zvemutemo, zvinowira kunze kwebasa rekuzivisa; kodzero yehunyanzvi hwemutemo inoshanda pamwe chete nekubviswa ikoko asi ipfungwa yakasiyana uye haifanirwe kushandiswa sechidimbu chayo. Saka zano repamutemo harisi rega rega kunze kweWwft. Chinokosha ndechekuti chiitiko chacho ndechebasa rakatarwa here, iro riri mubvunzo nezvebasa rakaitwa kwete nezvezita riri pafaira. Kuita semurevereri mukutengeserana, kana kuronga, hakufukidzwi nekubviswa. Kana usina chokwadi kana mabasa ako achikonzera mabasa ekutevedzera mitemo, gwara redu reDutch Money Laundering Act rinotsanangura zvakadzama nezvemutemo.Miti mitatu yekudzivirira
Kutevedzera mitemo kunobva pazvikamu zvitatu zvakabatana: ongororo yengozi yakanyorwa, ongororo yemutengi inoenderana neongororo iyoyo, uye kutarisa kunoenzanisa zvinoitwa nemutengi nezvinotaurwa nefaira kuti mutengi achaita.Kuongorora njodzi
Wwft inoshanda nenzira inotarisa njodzi. Isati yagadzira zvidzoro, sangano rinonyora ongororo yaro yenjodzi, muchikamu chezvemari chinowanzozivikanwa sehurongwa hwekuongorora njodzi dzakarongeka. Ongororo iyi inofukidza nyika nenzvimbo dzinobatanidzwa, zvigadzirwa nemasevhisi anopiwa, nzira dzekutumira dzinoshandiswa, uye mhando dzevatengi uye kuoma kwemaumbirwo avo. Vatariri vanoverenga ongororo yenjodzi kutanga votonga mamwe mafaira anopesana nayo. Sangano risinganyore njodzi huru zvachose riri kuudza mukuru waro chimwe chinhu nezvekuzivikanwa kwenjodzi pane nezvenjodzi yaro.Kuongororwa kwezvinodiwa nevatengi
Zvinyorwa 3 kusvika 8 zveWwft zvinotonga kuferefeta kwemutengi. Chinodiwa chikuru ndechekuziva mutengi uye kusimbisa hunhu hwake, kuziva muridzi wepamusoro anobatsira uye kutora matanho akakodzera ekusimbisa kuti ndiani, kusimbisa chinangwa uye chinangwa chehukama, uye kutarisa hukama nguva dzose. Pasi peChinyorwa 3(5), kuferefeta kwemutengi kunodiwa kana uchipinda muhukama hwebhizinesi, kune dzimwe nguva kutengeserana kwe€15,000 kana kupfuura, kana paine zviratidzo zvekubviswa kwemari kana mari yemagandanga, kana paine kusava nechokwadi nezvekururama kwedata rakawanikwa kare, apo njodzi yemutengi aripo inochinja, apo njodzi yenyika yakawedzera, uye yekutamiswa kwemari kwe€1,000 kana kupfuura. Mari idzi ndedzemamiriro ezvinhu anotsanangurwa muchikamu ichocho. Haasi maWwft thresholds anoshanda kune ese mabasa kana ese mapoka esangano, uye haasi kushuma mathresholds. Mathresholds ekuzivisa akaiswa zvakasiyana, mune runyorwa rwezviratidzo rwunokurukurwa pazasi.Muridzi wepfuma anobatsira zvikuru
Chitsauko cheChamber of Commerce inzvimbo yekutanga yekutonga, kwete mhinduro. Basa nderekutarisa muridzi neketani yekudzora, uchitevera masheya akapatsanurwa, masangano ekunze, nheyo, matrust uye marongero ekuvhota, kusvika wagona kutaura mundima imwe chete kuti ndiani muridzi kana kuti anodzora mutengi uye kuti wakazvisimbisa sei. Huwandu hwevanhu vanopfuura 25 muzana, hunozivikanwa kubva mumitemo yekushandisa, chiratidzo chekuva muridzi kana kutonga, kwete tsananguro yekuve muridzi kunobatsira. Kutonga kunogona kugara kune imwe nzvimbo: muzvibvumirano zvekuvhota, mukodzero yekugadza vatungamiriri, mukodzero dzehupfumi pasina masheya epamutemo. Kana, mushure mekushandisa nzira dzese dzinonzwisisika, pasina munhu chaiye anogona kuzivikanwa semuridzi kana mutongi, kudzoka kwemutemo kunoshanda uye vakuru vakuru vanonyorwa. Kudzoka ikoko inzira yekupedzisira, uye kutsvaga nechikonzero chekudzokera shure pairi zvinofanirwa kunyorwa. Chinyorwa chedu pa kunyatsoongorora mashandiro inovhara zvinhu zvinowanzosiyiwa mumafaira aya.Kuenderera mberi kwekutarisa
Kubhadhara mari kunonyora zvakataurwa nemutengi kuti zvaizoitwa. Kutarisa kunoratidza zvaakaita. Kuenzanisa uku ndiko kunoratidza maitiro asina kujairika: account yakavhurwa yekutengeserana kwemuno inotanga kugamuchira mari kubva kunzvimbo dzisina hukama, kuchinjana kwemari kunowedzera kaviri mukota pasina shanduko muvashandi kana nzvimbo, mari inoiswa mubhangi isingachaenderane nekwakaziviswa kuti inowana mari.Rejista yeUBO
Kuziva muridzi anobatsira zvikuru sechikamu chekuongorora zvinodiwa nevatengi chimwe chinhu; rejista chimwe chinhu, uye zviviri izvi zvinogara zvichivhiringidzika. Registry ibasa rekuisa zvinyorwa riri pakambani pachayo, uye zvayakaita zvachinja zvikuru kubva payakagadzwa.Chisungo chekuisa
Masangano epamutemo ekuDutch nemakambani ekudyidzana — BV, NV, masangano, masangano, VOF, CV uye maatschap — anofanira kuendesa varidzi vavo vekupedzisira vanobatsira kuChamber of Commerce. Chisungo chiri pasangano uye kuendesa magwaro kunoitwa nebhodhi, iro rinofanirawo kuramba richienderera mberi: shanduko mukuva nemasheya kana kutonga kunofanirwa kutaurwa. Kukundikana kuendesa magwaro, kana kuendesa zvisiri izvo, imhosva yehupfumi uye kunomanikidzwa nehutungamiriri, saka iyi haisi tsika inogona kumirira kuendesa magwaro kwegore rinotevera.Rejista haisi yeruzhinji
Iyi ndiyo pfungwa iyo gwara rakawanda rakabudiswa, kusanganisira zvinhu zvekare zvedu, risingachashandi. Pakaunzwa rejista, chikamu chedata chaifanira kuvhurirwa chero ani zvake. Musi wa22 Mbudzi 2022 Dare reJustice reEuropean Union rakatonga, munyaya dzakabatana C-37/20 naC-601/20, kuti kupinda kwevanhu vose kunokanganisa hupenyu hwavo hwepachivande nekuchengetedzwa kwedata ravo. Dare reDutch rakavharirwa veruzhinji vhiki imwe chete iyoyo uye harisati ravhurwazve. Kupinda ikozvino kunomhanya muzvikamu. Masangano ane zvisungo pasi peWwft - mabhangi, mainishuwarenzi, maakaunzi, magweta, magweta emutemo wehurumende nevamwe varindi vegedhi - vanogona kubvunza zvavanoda kuti vatengi vavo vaongorore, uye sangano rinogona kuona kupinda kwaro. Vakuru vane hunyanzvi, FIU-Nederland, De Nederlandsche Bank, AFM, mitero, mapurisa nevekupomerwa mhosva vane mukana wekuwana magwaro akazara, kusanganisira mazuva akazara ekuzvarwa, kero nemagwaro aripo. Mutemo unorambidza kupinda mumabhuku eUBO, wave kushanda kubvira musi wa16 Chikunguru 2025, unopa mukana uyu wekupinda mumabhuku aya hwaro hwemutemo. Nzira yechitatu iri kuvakwa: kupinda mumabhuku aya nekuda kwechikonzero chekodzero dzepamutemo, izvo Directive (EU) 2024/1640 inoda kuti nyika dziri nhengo dzipe. Vatori venhau nemasangano everuzhinji ari kuferefeta kucheneswa kwemari nekubhadhara mari yemagandanga ndivo vanodiwa kushandisa. Mutemo weDutch wekushandisa mutemo uyu wakaiswa pamberi peparamende muna Kubvumbi 2026 uye nzira iyi iri kuvhurwa muna 2026. Kusvika yatanga kushanda, hapana anowana mukana wekupinda mumabhuku aya.Basa rekutaura nezvekusawirirana
Chinyorwa 10c cheWwft chinovhara denderedzwa riri pakati perejista nekuongorora kwakatarwa pamusoro apa. Sangano rinobvunza rejista yemutengi uye rinoona kuti zviri ipapo hazvienderane nezvinoonekwa nekuferefeta kwaro rinofanira kuzivisa Chamber of Commerce musiyano iwoyo. Basa harisi rekusarudza, uye kuona musiyano uri mufaira remutengi hakuriburitse. Muchokwadi iyi ndiyo nzira iyo rejista inochengetwa yakarurama, nekuti magwaro esangano racho haawanzogadziriswa pakutanga.Kuwedzeredzwa kwakakodzera
Chinyorwa 8 chinoda matanho akawedzerwa apo njodzi yekutsvaira mari kana kupihwa mari nemagandanga yakakwira. Hukuru hwematanho iwayo hunotevera njodzi yawakaona: ongororo yakawedzerwa inyaya yakasiyana, kwete kungori fomu refu, uye inofanira kunge yakaenzana pane kufanana. Mamiriro ezvinhu anoda matanho akawedzerwa anosanganisira vanhu vanoratidzwa mune zvematongerwo enyika nevemhuri dzavo neshamwari dzepedyo, hukama nekutengeserana kwakabatana nenyika dzechitatu dzine njodzi huru, uye hukama hwevatori venhau vepamuganhu nemasangano ari kunze kweEuropean Economic Area. Chaizvoizvo, ongororo yakawedzerwa inoreva kugadza kwakabva mari inoshandiswa mukutengeserana uye, pazvinenge zvakakodzera, kwakabva pfuma yemutengi, zvichibva paruzivo rwakasimbiswa uye rwakazvimirira. Kune vanhu vanoratidzwa mune zvematongerwo enyika uye kune hukama hwevatori venhau vepamuganhu, Mutemo unobatanidza sarudzo nekubvumidzwa padanho repamusoro revatungamiriri. Kunze kwemamiriro ezvinhu akatsanangurwa, kuda mvumo padanho iroro kutonga kwemukati kwakanaka pane mutemo wepamutemo, uye makambani anofanira kujeka mumaitiro avo ega nezvekuti ndeapi paaviri ava vari kushandisa.Kuziva kutengeserana kusingawanzoitiki
Mutemo weDutch haukumbiri kuti utange waratidza hunhu hwemhosva usati washuma. Muedzo wepamutemo ndewekuti kutengeserana kwacho hakuna kujairika here, kwete kuti kune fungidziro here. Musiyano wacho unoratidzwa muongororo yedu ye kucheneswa kwemari zvichienzaniswa nekutengeserana kusingawanzoitikiRondedzero yezviratidziro iri muWwft Implementation Decree ine mhando mbiri dzezvinokonzera.Zviratidzo zvechinangwa
Chiratidzo chechokwadi chinoshanda kuboka resangano rakatsanangurwa uye kurudzi rwakatsanangurwa rwekutengeserana. Kana chiratidzo chichishanda, kutengeserana kwacho hakuna kujairika uye kunofanirwa kutaurwa, zvisinei netsananguro yemutengi uye zvisinei nekuti bhizinesi riripo rakaita sei. Rondedzero yacho yakatarisana neboka, saka mubvunzo wekutanga ndewekuti chiratidzo chacho chinoshanda here kwauri. Vapi vemazano emitero, maakaunzi, magweta, vanyori vemutemo wehurumende, mahofisi etrust, vaongorori vemitengo uye vamiririri vezvivakwa: muripo wemari we€10,000 kana kupfuura, kusanganisira macheki ebheyaringi nemakadhi eprepaid. Mabhangi: kuchinjana kwe€10,000 kana kupfuura mumari pakati pemari kana zvidimbu; mari yekuisa €10,000 kana kupfuura pakadhi rechikwereti kana kadhi reprepaid; kushandiswa kwekadhi rechikwereti kana kadhi reprepaid ye€15,000 kana kupfuura; Kutamiswa kwemari kwe€2,000 kana kupfuura.Masangano ekutsinhana: kuchinjana mari kwe€10,000 kana kupfuura pakati pemari kana madhora.Masangano emari emagetsi: nhamba dzakafanana dzemakadhi nedzekutumira semabhangi.Makasino: mari inoiswa mumari, mapepa kana zvinhu zvinokosha zve€10,000 kana kupfuura; muripo wegiro we€15,000 kana kupfuura; muripo wemari we€10,000 kana kupfuura, kusanganisira mari yekunze.Vanopa mari yekubhejera vari kure: muripo wegiro we€15,000 kana kupfuura.Vanopa mari yeCrypto-asset: kuchinjana mari chaiyo nemari yefiat ye€10,000 kana kupfuura.Kupatsanura muripo muzvikamu zvidiki kuti ugare pasi penhamba hakurevi kuti nyaya yacho iri kunze kwemutemo. Kutengeserana kwakabatana kunoongororwa pamwe chete, uye kuronga nemaune ndicho chikonzero chekutarisisa zvakanyanya.Chiratidzo chepfungwa uye zviratidzo zviri shure kwacho
Pamwe chete nerondedzero yezvinangwa pane chiratidzo chimwe chete chepfungwa: kutengeserana uko sangano rine chikonzero chekufungidzira kuti kunogona kunge kwakabatana nekutsvaga mari kana mari yemagandanga. Ichi ndicho chiratidzo chinoita basa rakawanda, uye chinoda kutonga kwete kuverenga. Maitiro anowanzo ruramisa kutarisa zvakanyanya: Kusava nehanya nemutengo, mutengo, kunonoka kana mazwi ekutengeserana asina kunaka. Mari inobhadharwa kubva, kana kupfuudzwa, kune mumwe munhu wechitatu asina basa rinooneka mukutengeserana. Maumbirwo ekambani akaoma kupfuura ayo bhizinesi rinoruramisa, kunyanya apo chikamu chiri munzvimbo isina kubatana nekutengeserana. Kutengesazve pfuma nekukurumidza, mota kana hunyanzvi pamutengo usingatevedzere musika. Zvikwereti pakati pemapato ane hukama pasina kuchengetedzeka, purogiramu kana chikonzero chekutengeserana. Kusada kuburitsa magwaro ekuzvizivisa kana ekuva muridzi, kana magwaro anopihwa mushure mekukumbira kakawanda uye ipapo mumakopi asina kunaka. Kuchinja kusingatsananguriki munzira yekubhadhara, kunyanya kuenda kumari, mari ye crypto kana mutauriri mutsva. Hapana chiratidzo chimwe chete chinosimbisa chero chinhu, uye hapana mutemo wekuti nhamba yakatarwa yezviratidzo inokonzeresa mushumo. Chinokosha ndechekusanganisa, mamiriro ezvinhu, kana tsananguro yemutengi inonzwisisika uye inogona kusimbiswa, uye kana ongororo yako yakanyorwa. Kana, mushure meongororo iyoyo, paine chikonzero chekufunga kuti kune hukama nekutsvaga mari kana mari yemagandanga, chiratidzo chemunhu chinozadzikiswa uye kutengeserana kwacho kunoziviswa.Kushuma kuFIU-Nederland
Chikamu 16 cheWwft chinoda kuti sangano rinyore kutengeserana kusingawanzoitiki kuFinancial Intelligence Unit pasina kunonoka kusingakoshi, kana hunhu hwekutengeserana kwacho hwazivikanwa. Pasina kunonoka kusingakoshi hazvina kufanana nekuferefeta kwemukati kwapera. Kana bvunzo yepamutemo yaitwa, mushumo unobuda; chero chimwe chaunoda kusimbisa chinogona kusimbiswa mushure mezvo. Kunonoka kushuma kunokonzerwa nekuongorora kwemukati kwenguva refu ndechimwe chezvakawanikwa zvakajairika mumafaira ekumanikidza, uye mhinduro inowanzoitwa ipfupi, yakatarwa nguva yekupedzisira yekukwira yakanyorwa mumaitiro acho. Chinotevera hachisi chisarudzo chesangano. FIU-Nederland inoongorora kutengeserana kwakataurwa, inogona kuzivisa kutengeserana sekufungidzirwa, uye inoita kuti data rakakodzera riwanikwe kune vanoferefeta nekuchengetedza. Kana paine mhosva yakaitika inoongororwa ipapo uye, kana zvikasvika ipapo, kudare.Ruzivo runopa dziviriro yakadini?
Chikamu 20 cheWwft chinodzivirira sangano rinoshuma nekuvimbika kuti rirege kupomerwa mhosva yekukuvara kwakakonzerwa nemushumo, chero bedzi richigona kufunga kuti raitevedzera Mutemo. Dziviriro iyoyo yakabatana nemushumo uye nemitemo iyoyo. Hazvisi muripo wezvese zvakaitwa maererano nemushumo, uye hazvigadzirise faira remutengi risina kunaka.Kurambidzwa kuburitsa pachena
Chikamu 23 chinorambidza kuzivisa mutengi kana mumwe munhu wechitatu kuti mushumo wakaitwa kana kuti wakagadzirirwa. Kurambidzwa uku hakukudzivisi kuramba murairo kana kugumisa hukama. Zvinoda kuti uite izvozvo usingataure ruzivo rwaungafungidzira kubva pamushumo wacho, kana chinangwa chekushuma, izvo zvinoreva tsananguro yekutengeserana isina kwayakarerekera uye kwete zvimwe.Kuchengetedza, kudzidziswa uye kudzora mukati
Chinyorwa 33 chinoda kuti data revatengi, zvinyorwa zvekusimbisa uye data rekutengeserana zvichengetwe kwemakore mashanu mushure mekutengeserana kana mushure mekupera kwehukama hwebhizinesi. Kuchengetedza hakusi kuchengetwa nekuda kwayo: kana usingakwanise kugadzirisa chikonzero chawakagamuchira mutengi makore mana apfuura, haugone kudzivirira chisarudzo ichocho izvozvi. Chinyorwa 35 chinoda kuti vashandi vadzidziswe, nguva nenguva, kuti vaone kutengeserana kusingawanzoitiki uye kuti vaite ongororo yemutengi nemazvo. Kudzidziswa kwakavakirwa pazvinyorwa zvenyaya yako pachako kunowanzo rarama kuongororwa kwevatariri zviri nani pane zviitiko zvakajairika. Pakutonga, zvakakosha kusiyanisa zvinhu zvitatu. Chinyorwa 2c chinoda marongero, maitiro uye matanho ekudzikamisa nekudzora njodzi, zvinotenderwa padanho rekutarisira kwezuva nezuva uye zvinoedzwa nenzira yakarongwa. Chinyorwa 2d chinoda sangano rine mutemo wezuva nezuva unosarudzwa nevanhu vaviri kana kupfuura kuti risarudze mumwe wavo seane mutoro wekutevedzera mitemo, uye rinoda basa rekutevera rakazvimirira uye rinoshanda; basa rekuongorora rakazvimirira rinoshanda kusvika pakuti rinoenderana nemhando nehukuru hwesangano. Kupfuura izvo zvinotarisirwa nemutemo zvekutarisira kugara pasi, izvo zvinoenda mberi kune masangano makuru uye ane njodzi huru, uye kupfuura sarudzo dzekugara dziri tsika yakanaka. Faira rekutevedzera mitemo riri nyore kudzivirira kana richiti ndeipi yemitemo mitatu yakapihwa. Peji redu rekutevedzera mitemo yekurambidza kushambidzwa kwemari rinotsanangura kuti takagadzirira sei izvi kune vatengi.Kutarisirwa uye kusimbiswa kwemutemo
Kutarisirwa kweWwft kwakakamurwa nechikamu. Kugoverwa kuri pazasi kunoratidza chikamu chikuru uye hakusi kwakakwana; kuti ndeupi mutariri ane hunyanzvi kunogona kutsamira pabasa chairo, uye chikamu chinogadziriswa nguva nenguva, saka chinofanira kuongororwa zvichienderana negwara razvino. De Nederlandsche Bank: mabhangi, vanopa masevhisi ekubhadhara, masangano emari emagetsi, veinishuwarenzi nemahofisi etrust. Netherlands Authority for the Financial Markets: makambani ekudyara mari, masangano ekudyara mari pamwe chete nevapi vemazano emari. Bureau Financieel Toezicht: vanyoreri vemutemo wehurumende, maakaunzi, vapi vemazano emitero uye vanopa masevhisi emutemo vakazvimiririra mukati mebasa rayo. Belastingdienst, Bureau Toezicht Wwft: vatengesi vezvinhu, vamiririri vezvivakwa, vaongorori vemitengo, vanotengesa midziyo uye vanopa nzvimbo. Mutungamiriri webhawa remunharaunda: magweta. Zvishandiso izvi zvinotangira pakunyevera nekuraira zviri pamutemo kuburikidza nemirairo inobhadharwa chirango kusvika kumari yekutonga, nenzira yemhosva inowanikwa yekutyora mitemo. Wwft inoshanda nemapoka efaindi yepamutemo, uye huwandu hwepamusoro munyaya yakatarwa hunoenderana nemutemo wakatyorwa, chikamu chinoshanda uye, muchikamu chepamusoro, pane huwandu hwepamusoro hune chekuita nekuchinja kwemari husingashande kune chero sangano. Chero nhamba yakataurwa yefaindi yepamusoro inofanira kuteverwa kune chikamu chinoiburitsa pane kubatwa senhamba imwe chete yemusoro. Kana sangano rako rikatarisana nekuferefetwa kwekumanikidzwa, matanho ekutanga akakosha. Tinoaisa mu zvekuita kana uchifungirwa kuti une mhosva yekubvisa mariKuti uwane kumiririrwa, ona kudzivirira kushambidzwa kwemari.Chii chinoshanduka nehurongwa hweEU hwekurwisa kushambidzwa kwemari
Pakeji yeEuropean anti-money laundering package yakaburitswa muOfficial Journal musi wa19 Chikumi 2024. Inoshanda kuburikidza nezvishandiso zvitatu zvinoshanda zvakasiyana, uye musiyano wacho unokosha pakuronga. Mutemo (EU) 2024/1624, Mutemo weAnti-Money Laundering, unoshanda zvakananga uye haudi kuti nyika iite basa rayo. Unoshanda kubva musi wa10 Chikunguru 2027, nezuva rinotevera kune mamwe masector. Unotamisa zvisungo zvikuru, zvinosanganisira ongororo yevatengi uye muridzi wemari, mubhurogu rimwe chete remitemo yeEurope. Murairo (EU) 2024/1640, murairo wechitanhatu weanti-money laundering, unoda kuti nyika iite basa rayo. Unobata masimba ekutarisira, zvikwata zvehungwaru hwemari uye marejista emuridzi wemari anobatsira, uye chimiro chaunotora muNetherlands chichaenderana nemutemo unoshanda. Mutemo (EU) 2024/1620 unogadza Anti-Money Laundering Authority, AMLA, iri muFrankfurt. AMLA ichatarisira boka rakasarudzwa remasangano ane njodzi huru zvakananga uye icharonga vatariri venyika; Simba rayo rinotanga zvishoma nezvishoma pane kusvika padanho rimwe chete. Pakeji iyi inoisawo muganho weEU pakubhadhara mari yakawanda, nenyika dziri nhengo dzakasununguka kuisa muganho wepasi rose. Zvinowanzotaurwa kuti pakeji iyi inobvisa misiyano yenyika. Izvozvo zvakanyanya. Mutemo uyu unodzikisa mukana wekusiyana kwenyika pane zvaunofukidza, asi Mutemo uyu uchiri kufanira kushandiswa munyika yese, Mutemo wacho pachawo unosiya sarudzo dzakavhurika munzvimbo dzakasiyana, uye tsika yekutarisira nyika haizove yakafanana pazuva rekunyorera. Chinogona kutaurwa ndechekuti nzvimbo yekuverenga mutemo weEurope muchiDutch chete inova diki. Kusvika mazuva ekunyorera, Wwft inoramba ichishanda zvizere. Muchokwadi, nzvimbo dzinogona kuda basa pachikamu chimwe nechimwe inzira dzekuongorora vatengi, faira remuridzi rinobatsira, magwaro emutemo wemukati, nzira yekubika, uye nzira iyo zvikumbiro zveruzivo rwekutarisira zvinobatwa nayo.Rondedzero yekutevedzera
Chengetedza ongororo yengozi ine musi uye iongorore panguva dzakatarwa. Nyora, kune mutengi wese, kuti ndiani muridzi anobatsira uye kuti izvozvo zvakasimbiswa sei, kusanganisira chikonzero kana mhedzisiro yemutemo yakashandiswa. Ongorora runyorwa rwevanhu vane zvematongerwo enyika uye runyorwa rwezvirango panguva yekupinda uye panguva dzakatarwa. Isa nguva yakatarwa yekuwedzera kwemari mukati kuitira kuti mishumo ibude pasina kunonoka, uye ongorora. Chengeta zviratidzo zvinoshanda kuchikamu chako uko vanhu vanobata mari vanogona kuzviona. Usaudze mutengi kuti mushumo wakaitwa kana kuti wakagadzirirwa, uye chengeta chero mhedzisiro isina kwayakarerekera. Chengeta zvinyorwa zvevatengi uye zvekutengeserana kwemakore mashanu. Dzidzisa vashandi nguva nenguva, uchishandisa nyaya yako. Nyora ongororo iri shure kwechisarudzo chekusashuma, pamwe nesarudzo dzekushuma.Mibvunzo inowanzobvunzwa
Kubhadhara mari ye €10,000 kunogara kusingawanzoitiki here? Hazviitiki zvoga. Hazviwanzoitiki, uye zvinofanira kutaurwa, apo chiratidzo chekubhadhara mari chinoshanda kuboka resangano rako uye kune kutengeserana kwacho. Kune mabasa akanyorwa muImplementation Decree, anosanganisira notaries, accountants, tax advisors, estate agents nevatengesi vezvinhu zviri muboka rakakodzera, chiratidzo ichocho chinoshanda, uye mushumo unotevera zvisinei nekuti kutengeserana kwacho kunotaridzika sei. Ndinofanira kuva nechokwadi here kuti mari iri kubiwa usati washuma? Kwete. Muedzo ndewekuti kutengeserana kwacho hakuna kujairika here mukati mezvinoreva zviratidzo, kwete kana uine chokwadi chekuti pane mhosva yakaitika. FIU-Nederland inoongorora mushumo uye inosarudza kana ichiti kutengeserana kwacho kwakashata. Mutengi anogona here kupa kambani yangu mhosva yemushumo? Chinyorwa 20 cheWwft chinodzivirira sangano rinoshuma nekutenda kwakanaka pamusoro pemhosva yekukuvadzwa kunobva mumushumo, chero bedzi richigona kufunga kuti raive richitevedzera Mutemo. Dziviriro inonamatira kumushumo nemamiriro awo kwete kune zvese zvakaripoteredza. Wwft inoshanda kumagweta here? Inoshanda maererano nemasevhisi akasarudzwa muMutemo. Kusarudza chinzvimbo chepamutemo chemutengi uye mumiriri muzviitiko kana zvine chekuita nazvo hazvipindi mubasa rekuzivisa; kushanda semurevereri mukutengeserana kana kuronga kwekutengeserana hakupindi. Ruzivo rwehunyanzvi hwemutemo ipfungwa yakasiyana uye hazvisarudze kuti Wwft inoshanda here. Mafaira ekutevedzera mitemo anofanira kuchengetwa kwenguva yakareba sei? Makore mashanu mushure mekutengeserana kana mushure mekupera kwehukama hwebhizinesi, pasi peChinyorwa 33 Wwft. Ndeupi musiyano uripo pakati pekutengeserana kusingawanzoitiki nekutengeserana kusingafungidziki? Masangano anoshuma kutengeserana kusingawanzoitiki. FIU-Nederland inoongorora, inogona kuzivisa kutengeserana kusingafungidziki uye inoita kuti data riwanikwe kune vanoferefeta nevekuchengetedza.Sources
Wet ter voorkoming van witwassen en financieren van terrorisme, wetten.overheid.nl (BWBR0024282), kunyanya Zvinyorwa 1a, 2c, 2d, 3, 8, 16, 20, 23, 33 uye 35 Wetboek 2, Zvinyorwa 4 Straf, van 4 wetten.overheid.nl (BWBR0001854) Uitvoeringsbesluit Wwft 2018, index list, wetten.overheid.nl (BWBR0041193) Regulation (EU) 2024/1624, Directive (EU) 2024/1640 Official 2024/1640 Journal uye Regulation 2024 (EU) 19 Chikumi 2024 FIU-Nederland, fiu-nederland.nl Bureau Financieel Toezicht, bureauft.nlLaw kusvika musi wa23 Nyamavhuvhu 2026. Zvirevo pamusoro pemitemo yeEurope inoshanda kubva muna 2027 zvinotsanangura kuti mamiriro acho akatorwa; kushandiswa kwenyika kuchiri kuenderera mberi. Chinyorwa ichi chine ruzivo rwakawanda uye hachirevi zano repamutemo renyaya chaiyo. 
