{"id":30352,"date":"2026-08-08T16:28:53","date_gmt":"2026-08-08T14:28:53","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/analiza-rizika-prema-gwg-u-kako-izbjeci-pogreske\/"},"modified":"2026-10-27T16:41:00","modified_gmt":"2026-10-27T15:41:00","slug":"analiza-rizika-prema-gwg-u-kako-izbjeci-pogreske","status":"publish","type":"post","link":"https:\/\/nect.com\/hr\/media\/blog\/analiza-rizika-prema-gwg-u-kako-izbjeci-pogreske\/","title":{"rendered":"Analiza rizika prema GwG-u: Kako izbje\u0107i pogre\u0161ke!"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30352\" class=\"elementor elementor-30352 elementor-30284\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd8ed7b e-flex e-con-boxed e-con e-parent\" data-id=\"dd8ed7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87cd6d8 elementor-widget elementor-widget-text-editor\" data-id=\"87cd6d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Analiza rizika prema GwG-u (Zakonu o sprje\u010davanju pranja novca) ima klju\u010dnu ulogu u izbjegavanju pogre\u0161aka i osiguravanju u\u010dinkovite provedbe uskla\u0111enosti sa sprje\u010davanjem pranja novca.  <\/p><p>Ovaj \u010dlanak odnosi se uglavnom na \u201enefinancijski\u201d sektor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef40658 e-con-full e-flex e-con e-child\" data-id=\"ef40658\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c0d848 elementor-widget elementor-widget-heading\" data-id=\"0c0d848\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Najva\u017enije ukratko<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ef11aa elementor-widget elementor-widget-text-editor\" data-id=\"5ef11aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Zna\u010daj analize rizika prema GwG-u: Analiza rizika klju\u010dan je aspekt<a href=\"https:\/\/nect.com\/hr\/media\/blog\/zakon-o-pranju-novca-sto-tvrtke-moraju-znati\/\" target=\"_blank\" rel=\"noopener\"> Zakona o sprje\u010davanju pranja novca<\/a> (GwG), koji putem pristupa temeljenog na riziku podupire prevenciju i suzbijanje <a href=\"https:\/\/nect.com\/hr\/media\/blog\/pranje-novca-ovo-svakako-trebate-znati\/\" target=\"_blank\" rel=\"noopener\">pranja novca<\/a> i financiranja terorizma. Ona zahtijeva od poduze\u0107a da uspostave u\u010dinkovito upravljanje rizicima koje uzima u obzir poslovne aktivnosti i s njima povezane rizike te da prilagode interne sigurnosne mjere sukladno vlastitoj analizi rizika i nacionalnim analizama rizika. <\/li><li>Provedba i prilagodba analize rizika: Analiza rizika mora biti individualno prilago\u0111ena vrsti i opsegu poslovnih aktivnosti poduze\u0107a. Pritom je potrebno integrirati zakonski definirane faktore rizika te spoznaje iz Nacionalne analize rizika kako bi se omogu\u0107ila sveobuhvatna procjena i upravljanje potencijalnim rizicima. <\/li><li>Koraci provedbe i nadzor analize rizika: Provedba analize rizika odvija se u vi\u0161e koraka, po\u010dev\u0161i od popisa stanja i identifikacije rizika, nakon \u010dega slijedi kategorizacija i ponderiranje rizika. Naposljetku je potrebno na temelju te analize uspostaviti interne sigurnosne mjere te ih redovito provjeravati kako bi se osigurao dinami\u010dan i kontinuiran nadzor poslovnih odnosa. <\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c03a384 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"c03a384\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tSadr\u017eaj\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__c03a384\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__c03a384\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__c03a384\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8800667 e-con-full e-flex e-con e-child\" data-id=\"8800667\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecdc2ea elementor-widget elementor-widget-spacer\" data-id=\"ecdc2ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c4488d elementor-widget elementor-widget-heading\" data-id=\"1c4488d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Za\u0161to je analiza rizika va\u017ena?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2c0323 elementor-widget elementor-widget-text-editor\" data-id=\"a2c0323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPrema \u010dlanku 3.a stavku 1. GwG-a, prevencija i suzbijanje pranja novca i financiranja terorizma temelje se na pristupu utemeljenom na riziku. Obveznici prema \u010dlanku 4. GwG-a moraju uspostaviti u\u010dinkovito upravljanje rizicima koje uklju\u010duje analizu rizika (\u010dlanak 5. GwG-a) i interne sigurnosne mjere (\u010dlanak 6. GwG-a). U\u010dinkovito upravljanje rizicima uzima u obzir sve poslovne aktivnosti i rizike koji iz njih proizlaze. Primjerenost internih sigurnosnih mjera utvr\u0111uje se na temelju vlastite analize rizika i rezultata Nacionalne analize rizika. Nadalje, upravljanje rizicima prema \u010dlanku 4. stavku 1. GwG-a mora uzeti u obzir vrstu i opseg poslovnih aktivnosti.      \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62a2119 elementor-widget elementor-widget-spacer\" data-id=\"62a2119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bb9da2 elementor-widget elementor-widget-heading\" data-id=\"2bb9da2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Koja je zakonska osnova za analizu rizika?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5b26e0 elementor-widget elementor-widget-text-editor\" data-id=\"d5b26e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tKako bi se izbjegle pogre\u0161ke u analizi rizika prema GwG-u, va\u017eno je razumjeti definiciju i zna\u010denje analize rizika. Analiza rizika je proces u kojem se identificiraju, procjenjuju i upravljaju potencijalni faktori rizika kako bi se osigurala uskla\u0111enost s propisima o sprje\u010davanju pranja novca. \n\nAnaliza rizika mora biti primjereno izra\u0111ena u skladu s vrstom i opsegom poslovnih aktivnosti (\u010dlanak 4. stavak 1. GwG-a). Pritom je, sukladno \u010dlanku 5. stavku 1. GwG-a, potrebno uzeti u obzir faktore rizika iz priloga 1. i 2. te spoznaje iz Nacionalne analize rizika. Ovi prilozi pru\u017eaju primjere potencijalno rizik pove\u0107avaju\u0107ih ili rizik smanjuju\u0107ih faktora. Ukupni rizik ne odre\u0111uje prisutnost pojedina\u010dnih faktora, ve\u0107 sveobuhvatno razmatranje svih relevantnih rizika.    \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07a8152 elementor-widget elementor-widget-spacer\" data-id=\"07a8152\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b11817 elementor-widget elementor-widget-heading\" data-id=\"3b11817\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Provedba analize rizika: korak po korak<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2033b76 elementor-widget elementor-widget-heading\" data-id=\"2033b76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Korak 1: Popis stanja<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8ff6f9 elementor-widget elementor-widget-text-editor\" data-id=\"f8ff6f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Primjerice, naveli smo nekoliko faktora rizika za potencijalno nizak rizik (<a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/anlage_1.html\" target=\"_blank\" rel=\"noopener\">Prilog 1<\/a>) i ve\u0107i rizik (<a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/anlage_2.html\" target=\"_blank\" rel=\"noopener\">Prilog 2<\/a>). U nastavku \u0107ete prona\u0107i sa\u017eetak rizika za pojedine sektore prema <a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/Downloads\/Broschueren_Bestellservice\/2019-10-19-erste-nationale-risikoanalyse_2018-2019.pdf?__blob=publicationFile&#038;v=1\" target=\"_blank\" rel=\"noopener\">Nacionalnoj analizi rizika<\/a>: <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-471287c elementor-widget elementor-widget-heading\" data-id=\"471287c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Korak 2: Identifikacija rizika<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7297bd elementor-widget elementor-widget-heading\" data-id=\"a7297bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Faktori za potencijalno nizak rizik<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96bec20 elementor-widget elementor-widget-text-editor\" data-id=\"96bec20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Rizik korisnika<\/strong><ul><li>Javna poduze\u0107a uvr\u0161tena na burzi koja podlije\u017eu obvezama objavljivanja (na temelju burzovnih pravila ili zakona), \u010dime se osigurava odgovaraju\u0107a transparentnost stvarnog vlasnika.<\/li><li>Javne uprave ili poduze\u0107a.<\/li><li>Korisnici s prebivali\u0161tem u geografskim podru\u010djima niskog rizika.<\/li><\/ul><\/li><li><strong>Rizik proizvoda, usluge, transakcije ili distribucijskog kanala<\/strong><ul><li>Police \u017eivotnog osiguranja s niskom premijom.<\/li><li>Police mirovinskog osiguranja bez klauzule o otkupu ili mogu\u0107nosti kori\u0161tenja kao kolaterala za zajmove.<\/li><li>Mirovinski sustavi i mirovinski planovi koji oduzimaju doprinose od pla\u0107e i ne dopu\u0161taju prijenos prava.<\/li><li>Financijski proizvodi ili usluge usmjereni na \u201efinancial inclusion\u201d.<\/li><li>Proizvodi kod kojih se rizici kontroliraju putem ograni\u010denja ili transparentnosti (npr. odre\u0111ene vrste elektroni\u010dkog novca).<\/li><\/ul><\/li><li><strong>Geografski rizik<\/strong><ul><li>Dr\u017eave \u010dlanice.<\/li><li>Tre\u0107e dr\u017eave s u\u010dinkovitim sustavima za sprje\u010davanje, otkrivanje i suzbijanje pranja novca i financiranja terorizma.<\/li><li>Tre\u0107e dr\u017eave s niskom razinom korupcije i drugih kriminalnih aktivnosti.<\/li><li>Tre\u0107e dr\u017eave koje u\u010dinkovito provode preporuke FATF-a.<\/li><\/ul><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4950f6b elementor-widget elementor-widget-heading\" data-id=\"4950f6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Faktori za potencijalno ve\u0107i rizik<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e6100 elementor-widget elementor-widget-text-editor\" data-id=\"76e6100\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Visok rizik od pranja novca:<\/strong> Javni bilje\u017enici obi\u010dno sudjeluju u transakcijama nekretnina, \u0161to predstavlja pove\u0107ani rizik od pranja novca. Njihovo sudjelovanje u osnivanju poduze\u0107a tako\u0111er nosi rizike. <\/li><li><strong>Uloga javnog du\u017enosnika:<\/strong> Kao javni du\u017enosnici, javni bilje\u017enici u svim svojim aktivnostima djeluju u okviru javnog prava, \u0161to zahtijeva posebnu pa\u017enju i odgovornost.<\/li><li><strong>Napetost izme\u0111u zakona i strukovnih pravila:<\/strong> Javni bilje\u017enici moraju po\u0161tovati i Savezni zakon o javnim bilje\u017enicima i Zakon o sprje\u010davanju pranja novca, \u0161to mo\u017ee dovesti do sukoba.<\/li><li><strong>Nadzor predsjednika zemaljskih sudova:<\/strong> Nadzor nad javnim bilje\u017enicima ne provodi komora, ve\u0107 predsjednici nadle\u017enih zemaljskih sudova.<\/li><li><strong>Posebna pozornost na fiducijarne i povjereni\u010dka ra\u010duna:<\/strong> Ti su ra\u010duni osjetljivi na pranje novca, osobito u vezi s gotovinskim i inozemnim pla\u0107anjima.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9a13e5 elementor-widget elementor-widget-heading\" data-id=\"f9a13e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Faktori rizika prema GwG-u: Revizori<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ab9c57 elementor-widget elementor-widget-text-editor\" data-id=\"4ab9c57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Srednji rizik od pranja novca:<\/strong> Revizori imaju dubok uvid u financije i strukture poduze\u0107a, \u0161to predstavlja potencijalni rizik za aktivnosti pranja novca.<\/li><li><strong>Poznavanje stvarnog vlasnika:<\/strong> Njihova sposobnost identificiranja stvarnog ekonomskog korisnika poduze\u0107a istovremeno je prednost i izvor rizika.<\/li><li><strong>Nadzor Komore revizora:<\/strong> Specifi\u010dna komora za revizore ima va\u017enu ulogu u nadzoru i kontroli svojih \u010dlanova.<\/li><li><strong>Rizik od slamnatih konstrukcija:<\/strong> Osobito u sektoru nekretnina revizori bi trebali obratiti pozornost na rizik takvih konstrukcija.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a5fcca elementor-widget elementor-widget-heading\" data-id=\"1a5fcca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Faktori rizika prema GwG-u: Odvjetnici<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71ce3a4 elementor-widget elementor-widget-text-editor\" data-id=\"71ce3a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Visok rizik od pranja novca putem povjereni\u010dkih ra\u010duna:<\/strong> Odvjetnici \u010desto upravljaju povjereni\u010dkim ra\u010dunima koji se mogu zloupotrijebiti za pranje novca.<\/li><li><strong>Nadzorna funkcija regionalnih komora:<\/strong> Osim zastupanja interesa, te komore preuzimaju i nadzor nad sprje\u010davanjem pranja novca.<\/li><li><strong>Rizik od me\u0111unarodnih i gotovinskih pla\u0107anja:<\/strong> Transakcije koje se obavljaju u gotovini ili iz rizi\u010dnih zemalja zahtijevaju pove\u0107anu pozornost.<\/li><li><strong>Sudjelovanje u transakcijama nekretnina i osnivanju poduze\u0107a:<\/strong> Ova su podru\u010dja osobito podlo\u017ena pranju novca.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23906db elementor-widget elementor-widget-heading\" data-id=\"23906db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Faktori rizika prema GwG-u: Porezni savjetnici<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d6b1e8 elementor-widget elementor-widget-text-editor\" data-id=\"9d6b1e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Srednji rizik od pranja novca:<\/strong> Sli\u010dno kao revizori, porezni savjetnici imaju detaljan uvid u financije poduze\u0107a, \u0161to se mo\u017ee zloupotrijebiti.<\/li><li><strong>Prepoznavanje unutarnjih nepravilnosti u poduze\u0107u:<\/strong> Njihova uloga omogu\u0107uje im identificiranje anomalija koje bi mogle ukazivati na pranje novca.<\/li><li><strong>Nadzorna funkcija strukovnih komora:<\/strong> Porezni savjetnici tako\u0111er podlije\u017eu strogom nadzoru i regulaciji od strane svojih komora.<\/li><li><strong>Zna\u010daj stru\u010dnog usavr\u0161avanja:<\/strong> Kontinuirano usavr\u0161avanje potrebno je kako bi se pratile promjene zakona i propisa<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35fc5be elementor-widget elementor-widget-heading\" data-id=\"35fc5be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Faktori rizika prema GwG-u: Tr\u017ei\u0161te nekretnina<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22c62e4 elementor-widget elementor-widget-text-editor\" data-id=\"22c62e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Visoka ekonomska va\u017enost:<\/strong> Nekretnine su atraktivna ulaganja zbog visokog volumena transakcija i stabilnosti vrijednosti.<\/li><li><strong>Prikrivanje podrijetla sredstava:<\/strong> Zbog slo\u017eenosti i pravnih mogu\u0107nosti oblikovanja transakcija nekretninama, podrijetlo sredstava mo\u017ee se prikriti.<\/li><li><strong>Anonimnost kod Share Deals transakcija:<\/strong> Stjecanje nekretnina putem Share Deals transakcija omogu\u0107uje prikrivanje identiteta vlasnika iza korporativnih struktura, \u010dime se o\u010duva anonimnost.<\/li><li><strong>Visoka transparentnost, ali rizici kod stvarnog vlasni\u0161tva:<\/strong> Unato\u010d tome \u0161to su vlasni\u010dki odnosi evidentirani u zemlji\u0161nim knjigama, utvr\u0111ivanje vlasni\u0161tva nad imovinom mo\u017ee biti ote\u017eano kada se stvarno vlasni\u0161tvo i formalno vlasni\u0161tvo razlikuju.<br\/>Rizik slo\u017eenih<\/li><li><strong>Korporativnih struktura:<\/strong> Razgranate mre\u017ee poduze\u0107a i kori\u0161tenje fiducijarnih konstrukcija pove\u0107avaju rizik od pranja novca.<\/li><li><strong>Mehanizmi izbjegavanja:<\/strong> Reformirani zakoni mogli bi dovesti do prelaska s kupnje na najam luksuznih nekretnina radi pranja novca.<\/li><li><strong>Sve ve\u0107a va\u017enost agenata za najam:<\/strong> S novim propisom u sklopu Direktive o sprje\u010davanju pranja novca, uloga agenata za najam kod visokih najamnina postaje sve relevantnija.<\/li><li><strong>Kori\u0161tenje dra\u017ebi:<\/strong> Prisilne dra\u017ebe sve se vi\u0161e koriste za stjecanje nekretnina sumnjivim sredstvima.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53e5e1e elementor-widget elementor-widget-spacer\" data-id=\"53e5e1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a635ace e-con-full e-flex e-con e-child\" data-id=\"a635ace\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f791500 elementor-widget elementor-widget-heading\" data-id=\"f791500\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Kako Nect poma\u017ee?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-076bee1 elementor-widget elementor-widget-text-editor\" data-id=\"076bee1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUbrzajte svoje procese uskla\u0111enosti jednostavno i pravno sigurno: Upoznajte Nect, provjerenu platformu za <b>odvjetnike, porezne savjetnike, javne bilje\u017enike, revizore i agente za nekretnine<\/b>. Po\u0161aljite nam upit i osigurajte pristup u\u010dinkovitim, sigurnim i prakti\u010dnim rje\u0161enjima za svoje klijente \u2013 iskoristite sada izbor mnogih renomiranih odvjetni\u010dkih ureda. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d67a95 elementor-widget elementor-widget-image\" data-id=\"0d67a95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"520\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg\" class=\"attachment-large size-large wp-image-30354\" alt=\"Preglednik s KYB procjenom rizika KYC\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-300x195.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-768x499.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d76f3d6 elementor-widget elementor-widget-button\" data-id=\"d76f3d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjgyNjcsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Dogovorite demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-988cd2b elementor-widget elementor-widget-spacer\" data-id=\"988cd2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e41883 elementor-widget elementor-widget-heading\" data-id=\"0e41883\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Korak 3: Kategorizacija rizi\u010dnih skupina<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa5cb69 elementor-widget elementor-widget-text-editor\" data-id=\"fa5cb69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Rizici se moraju podijeliti u rizi\u010dne skupine i ocijeniti prema njihovoj va\u017enosti. Ta se ocjena obi\u010dno provodi u tri razine: <b>visoka, srednja i niska<\/b>. <\/p><p>Me\u0111utim, mogu\u0107e je prilagoditi ovu klasifikaciju dodavanjem vi\u0161e kategorija ili svo\u0111enjem na manje. Primjerice, kategorija \u201evisoka\u201d obuhva\u0107a rizi\u010dne slu\u010dajeve koji odgovaraju zakonski definiranim visokorizi\u010dnim klasama ili koji su vlastitom procjenom ocijenjeni kao visoki. \u201eSrednja\u201d se odnosi na slu\u010dajeve koji nisu klasificirani ni kao visoki ni kao niski, a \u201eniska\u201d na situacije s dokazano niskim rizikom.  <\/p><p>Za procjenu rizika mogu se koristiti razli\u010dite metode, uklju\u010duju\u0107i sustave s varijabilnim ili fiksnim ponderiranjem faktora rizika. Nadalje, mogu se utvrditi automatski kriteriji za klasifikaciju korisnika ili sigurnosne mjere. Odstupanja se moraju dokumentirati, pri \u010demu je potrebno uzeti u obzir i rezultate nacionalnih analiza pranja novca i financiranja terorizma.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1602942 elementor-widget elementor-widget-heading\" data-id=\"1602942\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Korak 4: Interne sigurnosne mjere<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a6dd3f elementor-widget elementor-widget-text-editor\" data-id=\"3a6dd3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Rezultate identifikacije, kategorizacije i ponderiranja rizika potrebno je primijeniti u okviru pojedina\u010dnih internih sigurnosnih mjera, s obzirom na to da te mjere u na\u010delu moraju proizlaziti iz rezultata analize rizika odnosno biti u skladu s njima.<\/p><p>Kao i op\u0107enito u upravljanju rizicima, i pri provedbi pojedina\u010dnih preventivnih mjera u svakom konkretnom slu\u010daju potrebno je postupati tim pa\u017eljivije \u0161to je ve\u0107i potencijal rizika.<\/p><p>Poduzete interne sigurnosne mjere potrebno je preispitivati i dalje razvijati uzimaju\u0107i u obzir rezultate analize rizika.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c635f0f elementor-widget elementor-widget-heading\" data-id=\"c635f0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Korak 5: Redoviti nadzor<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-242d9b5 elementor-widget elementor-widget-text-editor\" data-id=\"242d9b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Prema obrazlo\u017eenju zakona uz \u010dlanak 10. stavak 1. to\u010dku 5. GwG-a, potrebno je provoditi kontinuiran dinami\u010dan nadzor poslovnog odnosa, uklju\u010duju\u0107i transakcije koje se u njegovom tijeku provode, te u tom kontekstu uskla\u0111ivati profile korisnika s njihovim stvarnim transakcijskim pona\u0161anjem. <\/p><p>Dinami\u010dan nadzor pritom zna\u010di primjereno uzimanje u obzir spoznaja proiza\u0161lih iz tijeka poslovnog odnosa. Svrha je kontinuiranog nadzora utvrditi pokazuje li teku\u0107i poslovni odnos, pri provedbi pojedina\u010dnih transakcija, konkretne nepravilnosti ili relevantna odstupanja od dosada\u0161njeg pona\u0161anja korisnika. <\/p><p>Pokazatelji se moraju definirati individualno za svako poduze\u0107e, pri \u010demu se kao temelj uzimaju rezultati analize rizika. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Analiza rizika prema GwG-u (Zakonu o sprje\u010davanju pranja novca) ima klju\u010dnu ulogu u izbjegavanju pogre\u0161aka i osiguravanju u\u010dinkovite provedbe uskla\u0111enosti sa sprje\u010davanjem pranja novca. Ovaj \u010dlanak odnosi se uglavnom na \u201enefinancijski\u201d sektor. <\/p>\n","protected":false},"author":3,"featured_media":30353,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[734],"tags":[736,735],"class_list":["post-30352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-regulativa","tag-uskladenost"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Analiza rizika prema GwG-u: Kako izbje\u0107i pogre\u0161ke! - Nect<\/title>\n<meta name=\"description\" content=\"Analiza rizika prema GwG-u ima klju\u010dnu ulogu u izbjegavanju pogre\u0161aka i osiguravanju u\u010dinkovite provedbe uskla\u0111enosti sa sprje\u010davanjem pranja novca. 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