Tijorat banklari amaliyotida jinoiy daromadlarni legallashtirishga qarshi kurashish yo‘nalishlari
DOI:
https://doi.org/10.5281/zenodo.16932877Keywords:
banking system, money laundering, anti-money laundering, AML/CFT, risk-based approach, financial monitoring, compliance, RegTech, cryptoassets, FATF recommendationsAbstract
Ushbu maqolada bank tizimida jinoiy daromadlarni legallashtirish (pul yuvish)ga qarshi kurashish mexanizmlarining
amaldagi holati tahlil qilinadi, milliy va xalqaro me’yoriy-huquqiy talablar o‘rganiladi. Mavjud muammolar,
jumladan, texnologik integratsiya yetishmovchiligi, kadrlar salohiyati pastligi va tezkor axborot almashishdagi cheklovlar
aniqlanadi. Shuningdek, RegTech texnologiyalarini joriy etish, kriptoaktivlar ustidan nazoratni kuchaytirish, kadrlar malakasini
oshirish va riskga asoslangan yondashuvni kengaytirish kabi takliflar ilgari suriladi. Taklif etilgan chora-tadbirlar
banklar faoliyatining xalqaro standartlarga muvofiqligini ta’minlash hamda moliyaviy tizim barqarorligini oshirishga xizmat
qiladi.
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