دور الجهاز المصرفي في مكافحة عمليات غسيل الاموال من خلال تجارب مختارة == The Role of Banking System In The Fight Against Money Laundering Operations Through Chosen Experiences
Author name:
وليد احمد جاسم حندة الجميلي
Supervisor name:
نهاد عبد الكريم احمد العبيدي
General topic:
Administration and Economics
Specific topic:
Economy
Degree:
Master
University:
Tikrit University - Faculty Of Administration And Economics - Department Of Economics
Language:
Arabic
University location:
Salahaddin
First pages:
07T4179 - p.pdf
Abstract:
ان التحرر الذي ساد الاقتصاد العالمي تحت مظلة العولمة اتاح للمنشات والافراد نقل وتحويل اموال كبيرة بحرية تامة دون قيود ادارية بين اسواق المال، وبالتالي اتاحت كفاءة تلك الاسواق للعناصر الاجرامية طرق سهلة لغسيل الاموال التي اكتسبوها من العمليات الاجرامية بع | The freedom which prevailed the global economy under the umbrella of globalization has allowed the facilities and personnel transporting and transferring large amounts of money freely and without administrative restrictions among the capital markets. Thus the efficiency of those markets facilitated easy ways for the criminal elements to launder money gained from their criminal operations, away from the eyes of the authorities in some countries. Even it became difficult to distinguish between capital movements that reflect the attempts of their washing, because of the increasing and growing the overlap between financial and commodity markets, the overlap between financial institutions and free access of capitals, in addition to technical updating for these markets, which help in overcoming the illegal money in the legal markets, so it's obvious results had negative effects that affected the economic situation in general and the banking system in particular. This subject had been discussed through four chapters : The first chapter Interested in the methodology of the research that was used and the previous studies dealt with the subject. Chapter two reviewed the theoretical rooting for money laundering operations and their relationship to the hidden economy through three sections. The third chapter dealt with the banking system and money laundering operations, while chapter four came under the title of "selected experiences in the fight against money laundering operations and the clear relationship between them and the banking system", to take care of some selected countries' experiences, in addition to the procedures of some international and regional organizations. The study concluded that the money laundering operations lead to negative economic and social consequences represented in creating an imbalance in the distribution of income in society. In addition to the growing of unemployment problem and lack of social values and bonds, and the subsequent offenses affecting the moral system, as well as prejudice to the dignity of the state and its political system. The study also concluded that banks play an important role in facilitating money laundering operations because they provide a variety of services and speed in the process of transferring funds, in addition to the secret deal that provides the appropriate environment to complete these operations. At the same time, banks play an important role in the fight against money laundering operations through the procedures and regulations of the banking system that considered one of the best ways to eliminate this phenomenon by promoting their role in the application of control and monitoring measures related to money laundering operations. The study found that the fight against this phenomenon requires subjecting the banks to specific commitments, leading to a limitation of money laundering operations, detection of those involved, and the confiscation of money which are instead of. Fight against money laundering must also be done through ways and methods commensurate with the dangerous of this phenomenon and its implications if they are supported with legal and clear legislations, specifying those acts that generate such operations. Besides, it should put controls on the application of banking secrecy principle, and the development of exceptions to this principle in case of occurring strong suspicions and clear indications on the existence of money laundering, and should promote the international cooperation to combat this processes and make the most utilization of the experiences of some developed countries that achieved impressive results in this field, as well as raising the banking awareness by raising the efficiency of banking staff through the establishment of intensive training courses in the field of combating money laundering at home and abroad, and greater coordination between banks in the exchange of information and experiences in the fight against laundering funds.
