Фінансова інклюзія в рамках системи протидії легалізації злочинних доходів та фінансуванню тероризму
Ключові слова:
фінансова інклюзія, фінансова цілісність, система протидії легалізації злочинних доходів і фінансуванню тероризму, ризик-орієнтований підхід, ідентифікація та вивчення клієнтів, базові фінансові послуги.
Анотація
Охарактеризовано поняття фінансової інклюзії, визначено її роль у забезпеченні цілісності фінансової системи. Виявлено проблеми її поглиблення в умовах функціонування системи протидії легалізації злочинних доходів і фінансуванню тероризму. Доведено доцільність застосування підходу, що ґрунтується на оцінці ризиків, для підвищення рівня фінансової інклюзії. Досліджено міжнародний досвід реалізації ризик-орієнтованого підходу у здійсненні ідентифікації та вивчення клієнтів, а також при запровадженні базових фінансових продуктів. Визначено можливі напрями його використання в Україні.
Завантаження
Дані завантаження ще не доступні.
Посилання
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23. China’s New Tiered Bank Accounts and their Impact. (2017). kapronasia.com. Retrieved from https:// www.kapronasia.com/research/reports/chinas-new-bank-account-types-and-their-influence.html.
24. Agreement on the Swiss banks’ code of conduct with regard to the exercise of due diligence (CDB 16). SBA. (2016). shop.sba.ch. Retrieved from http://shop.sba.ch/1000020_e.pdf.
2. Ozili, P. K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18 (4), 329—340.
3. Naumenkova, S. V. (2013). Pidvyshchennia dostupnosti finansovykh posluh: aktualni pytannia rehuliatornoi praktyky [Improving the Availability of Financial Services: Current Issues of Regulatory Practices]. Finansy Ukrainy — Finance of Ukraine, 10, 20—33 [in Ukrainian].
4. Naumenkova, S. (2014). Finansova inkliuzyvnist ta problemy zabezpechennia dostupu naselennia do bazovykh finansovykh posluh v Ukraini [Financial inclusiveness and problems of ensuring access of population to basic financial services in Ukraine]. Visnyk Natsionalnoho banku Ukrainy — Bulletin of the National Bank of Ukraine, 11, 31—37 [in Ukrainian].
5. Naumenkova, S. V. (2015). Finansova inkliuzyvnist: ekonomichnyi zmist ta pidkhody do vymiriuvannia [Financial inclusiveness: economic content and approaches to measuring]. Aktualni problemy ekonomiky — Current problems of the economy, 4, 363—371 [in Ukrainian].
6. Nechyporuk, L. V. (2018). Finansova inkliuziia v konteksti strakhovykh posluh [Financial Inclusion in the Context of Insurance Services]. Finansovo-kredytna diialnist: problemy teorii ta praktyky — Financial and Credit Activities: The Problems of Theory and Practice, 3 (26), 411—417 [in Ukrainian].
7. Poliakh, S. S. (2014). Finansova zaluchenist naselennia yak peredumova zabezpechennia dostatnoho rivnia zakhystu interesiv kliientiv finansovoho sektora [Financial involvement of the population as a prerequisite for ensuring an adequate level of protection of the interests of financial sector clients]. Visnyk SumDU. Ekonomika — Bulletin of Sumy State University. Economics, 4, 43—45 [in Ukrainian].
8. Poliakh, S. S. (2018). Metodychni zasady otsiniuvannia vzaiemozviazku mizh finansovoiu zaluchenistiu naselennia i finansovoiu stabilnistiu [Methodical principles of the estimation of the relationship between financial attraction of the population and financial stability]. Visnyk KhNAU im. V. V. Dokuchaieva. Ekonomichni nauky — Bulletin of the KNNU named after V. V. Dokuchaev Economic Sciences, 2, 300—309 [in Ukrainian].
9. Zachosova, N., Herasymenko, O., & Shevchenko, A. (2018). Risks and possibilities of the effect of financial inclusion on managing the financial security at the macro level. Investment Management and Financial Innovations, 15 (4), 304—319.
10. Kovalchuk, A. T., & Kotliarevskyi, Ya. V. (2016). Zapobihannia ta protydiia vidmyvanniu koshtiv: ryzykoriientovanyi pidkhid u konteksti mizhnarodnoho spivrobitnytstva [Avoidance and counteraction to money laundering: a risk-oriented approach in the context of international cooperation]. Finansy Ukrainy — Finance of Ukraine, 10, 77—88 [in Ukrainian].
11. Yehorycheva, S. B. (2016). Ryzyk-oriientovanyi nahliad u systemi finansovoho monitorynhu [Riskoriented supervision in the system of financial monitoring]. Naukovyi visnyk Poltavskoho universytetu ekonomiky i torhivli. Ekonomichni nauky — Scientific Bulletin of the Poltava University of Economics and Trade. Economic Sciences, 3, 126—132 [in Ukrainian].
12. Andriichenko, Zh. O., & Litvinova, S. O. (2017). Statystychne obgruntuvannia neobkhidnosti zaprovadzhennia ryzyk-oriientovanoho pidkhodu u sferi finansovoho monitorynhu v Ukraini [Statistical justification for the introduction of a risk-oriented approach in the field of financial monitoring in Ukraine]. Problemy i perspektyvy rozvytku pidpryiemnytstva — Problems and prospects of entrepreneurship development, 2, 49—54 [in Ukrainian].
13. Vnukova, N. M. (2018). Upravlinnia ryzykamy finansovykh ustanov u sferi finansovoho monitorynhu [Risk Management of Financial Institutions in the Field of Financial Monitoring]. Naukovi zapysky Natsionalnoho universytetu «Ostrozka akademiia». Ekonomika — Scientific Notes of the National University of Ostroh Academy. Economics, 8, 64—68 [in Ukrainian].
14. Bester, H., Chamberlain, D., de Koker, L., Hougaard, C., Short, R., & Smith, A., et al. (2008). Implementing FATF standards in developing countries and financial inclusion: findings and guidelines. Washington, DC: World Bank.
15. Innovative Financial Inclusion. Principles and Report on Innovative Financial Inclusion from the Access through Innovation SubGroup of the G20 Financial Inclusion Experts Group. (2010). gpfi.org. Retrieved from https://www.gpfi.org/sites/default/files/documents/Principles%20and%20Report%20 on%20Innovative%20Financial%20Inclusion_0.pdf.
16. De Koker, L., & Jentzsch, N. (2013). Financial inclusion and financial integrity: aligned incentives? World Development, 44, 267—280.
17. Anti-money laundering and terrorist financing measures and financial inclusion. FATF Guidance. (2013). fatf-gafi.org. Retrieved from http://www.fatf-gafi.org/media/fatf/documents/reports/AML_ CFT_Measures_and_Financial_Inclusion_2013.pdf .
18. Strengthening Financial Integrity through Financial Inclusion and the Situation of the MONEYVAL Jurisdictions. The Committee of Experts on the Evaluation of Anti-Money Laundering Measures and the Financing of Terrorism (MONEYVAL). (2014). rm.coe.int. Retrieved from https://rm.coe.int/ strengthening-financial-integrity-through-financial-inclusion-and-the-/16807150ea.
19. Smolii, Ya. (2018). Vitalne slovo na Finclusion UA: Forum z finansovoi inkliuzii [Welcome to Finclusion UA: Financial Inclusion Forum]. bank.gov.ua. Retrieved from https://bank.gov.ua/control/uk/ publish/article?art_id=71600439 [in Ukrainian].
20. Demirgüç-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. The Global Findex Database 2017. Measuring Financial Inclusion and the Fintech Revolution. openknowledge.worldbank.org. Retrieved from https://openknowledge.worldbank.org/handle/10986/29510.
21. Finansova hramotnist, obiznanist ta inkliuziia v Ukraini: Zvit pro doslidzhennia. Dodatkovyi proekt IP-FSS v Ukraini. (2017). [Financial Literacy, Awareness and Inclusion in Ukraine: Study Report Additional Project IP-FSS in Ukraine]. bank.gov.ua. Retrieved from https://bank.gov.ua/doccatalog/ document?id=83136332 [in Ukrainian].
22. Introduction to the National Risk Assessment Tool. World Bank Group. (2015). pubdocs.worldbank.org. Retrieved from http://pubdocs.worldbank.org/pubdocs/publicdoc/2015/10/335451444161647619/ Introduction-to-NRA-Tool.docx.
23. China’s New Tiered Bank Accounts and their Impact. (2017). kapronasia.com. Retrieved from https:// www.kapronasia.com/research/reports/chinas-new-bank-account-types-and-their-influence.html.
24. Agreement on the Swiss banks’ code of conduct with regard to the exercise of due diligence (CDB 16). SBA. (2016). shop.sba.ch. Retrieved from http://shop.sba.ch/1000020_e.pdf.
Переглядів анотації: 211 Завантажень PDF: 152 Завантажень PDF: 43
Опубліковано
2018-12-23
Як цитувати
(1)
Єгоричева, С. Фінансова інклюзія в рамках системи протидії легалізації злочинних доходів та фінансуванню тероризму. fp 2018, 80-87.
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