{"id":30693,"date":"2025-12-15T15:17:43","date_gmt":"2025-12-15T14:17:43","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/zakon-o-pranju-novca-sto-tvrtke-moraju-znati\/"},"modified":"2026-10-27T17:26:19","modified_gmt":"2026-10-27T16:26:19","slug":"zakon-o-pranju-novca-sto-tvrtke-moraju-znati","status":"publish","type":"post","link":"https:\/\/nect.com\/hr\/media\/blog\/zakon-o-pranju-novca-sto-tvrtke-moraju-znati\/","title":{"rendered":"Zakon o pranju novca: \u0160to tvrtke moraju znati"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30693\" class=\"elementor elementor-30693 elementor-30076\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c85029 e-flex e-con-boxed e-con e-parent\" data-id=\"7c85029\" 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-5d557f2 elementor-widget elementor-widget-text-editor\" data-id=\"5d557f2\" 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>Zakon o pranju novca (GwG) va\u017ena je smjernica koju tvrtke u Njema\u010dkoj moraju po\u0161tivati. Kako bi se u\u010dinkovito borile protiv <a href=\"https:\/\/nect.com\/hr\/media\/blog\/pranje-novca-ovo-svakako-trebate-znati\/\" target=\"_blank\" rel=\"noopener\">pranja novca<\/a>, tvrtke moraju razumjeti GwG i pridr\u017eavati se njegovih zahtjeva. U ovom \u0107emo \u010dlanku detaljnije razmotriti GwG i raspraviti posljedice nepo\u0161tivanja.  <\/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-0e8a192 e-con-full e-flex e-con e-child\" data-id=\"0e8a192\" 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-6fa91ea elementor-widget elementor-widget-heading\" data-id=\"6fa91ea\" 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-ed21d5b elementor-widget elementor-widget-text-editor\" data-id=\"ed21d5b\" 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>Cilj GwG-a je za\u0161tititi integritet financijskog sustava i suzbiti kriminal<\/li><li>GwG se primjenjuje na sve tvrtke u Njema\u010dkoj koje se bave financijskim transakcijama \u2013 bez obzira na veli\u010dinu ili djelatnost tvrtke<\/li><li>Tvrtkama koje kr\u0161e Zakon o pranju novca prijete visoke nov\u010dane kazne<\/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-13f03ca elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"13f03ca\" 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__13f03ca\" 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__13f03ca\" 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__13f03ca\" 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-6714e86 e-con-full e-flex e-con e-child\" data-id=\"6714e86\" 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-1268093 elementor-widget elementor-widget-spacer\" data-id=\"1268093\" 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-6e777d6 elementor-widget elementor-widget-heading\" data-id=\"6e777d6\" 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\">Zakon o pranju novca jednostavno obja\u0161njen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-042b669 elementor-widget elementor-widget-text-editor\" data-id=\"042b669\" 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>GwG je uveden za <b>borbu protiv pranja novca i financiranja terorizma<\/b>. Njime se utvr\u0111uju pravila i postupci koje <b>tvrtke moraju slijediti<\/b> kako bi prepoznale i prijavile sumnjive aktivnosti. Cilj GwG-a je za\u0161tititi integritet financijskog sustava i suzbiti kriminal.  <\/p><p>Osim toga, <b>GwG definira pranje novca<\/b> kao proces u kojem se ilegalni prihodi uvode u legalni financijski sustav. Obuhva\u0107a razli\u010dite metode kao \u0161to su prikrivanje podrijetla novca, mije\u0161anje legalnih i ilegalnih sredstava te kori\u0161tenje tvrtki za pranje novca. GwG je od velike va\u017enosti za sve tvrtke u Njema\u010dkoj, bez obzira na njihovu veli\u010dinu ili djelatnost.  <\/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-dc2abb1 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"dc2abb1\" 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-60e9172 elementor-widget elementor-widget-heading\" data-id=\"60e9172\" 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\">Kada je GwG uveden u Njema\u010dkoj?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a03d618 elementor-widget elementor-widget-text-editor\" data-id=\"a03d618\" 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>Zakon o pranju novca (GwG) va\u017ean je dio njema\u010dkog pravnog sustava i ima dugu povijest. Prvi put je <b>uveden 1993. godine<\/b> i od tada je nekoliko puta a\u017euriran kako bi se nosio s promjenjivim prijetnjama pranja novca i financiranja terorizma. GwG se temelji na me\u0111unarodnim standardima i smjernicama, posebno na preporukama Radne skupine za financijsko djelovanje (FATF), me\u0111unarodne organizacije za borbu protiv 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-cbb799a elementor-widget elementor-widget-heading\" data-id=\"cbb799a\" 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\">\u0160to je osnova Zakona o pranju novca?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0277bbd elementor-widget elementor-widget-text-editor\" data-id=\"0277bbd\" 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\tDirektiva EU-a o pranju novca \u010dini osnovu svih nacionalnih zakona o \u201eborbi protiv pranja novca\u201c. Izme\u0111u 1991. i 2018. godine objavljeno je \u0161est direktiva. Dr\u017eave su odgovorne za provedbu Direktive EU-a o pranju novca na nacionalnoj razini. U Njema\u010dkoj se to ostvaruje razli\u010ditim prilagodbama Zakona o pranju novca.    \n\nPregled svih direktiva EU-a o pranju novca:\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-bece325 elementor-widget elementor-widget-text-editor\" data-id=\"bece325\" 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>\n \t<li>1. Direktiva EU-a o pranju novca 1991.<\/li>\n \t<li>2. Direktiva EU-a o pranju novca 2001.<\/li>\n \t<li>3. Direktiva EU-a o pranju novca 2005.<\/li>\n \t<li>4. Direktiva EU-a o pranju novca 2015.<\/li>\n \t<li><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/DE\/TXT\/?uri=celex%3A32018L0843\" target=\"_blank\" rel=\"noopener\">5. Direktiva EU-a o pranju novca 2018.<\/a><\/li>\n \t<li><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/DE\/TXT\/PDF\/?uri=CELEX:32018L0843\" target=\"_blank\" rel=\"noopener\">6. Direktiva EU-a o pranju novca 2018.<\/a><\/li>\n<\/ul>\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-7afe8ed elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"7afe8ed\" 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-d2193b8 elementor-widget elementor-widget-heading\" data-id=\"d2193b8\" 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\">\u0160to se mijenja u Zakonu o pranju novca od 2020.? \u0160to vrijedi 2024.? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c536577 elementor-widget elementor-widget-text-editor\" data-id=\"c536577\" 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\tGwG je dinami\u010dan zakon koji se stalno razvija kako bi se nosio s promjenjivim prijetnjama. Va\u017eno je da tvrtke budu u toku s najnovijim zakonskim zahtjevima te redovito preispituju i a\u017euriraju svoje mjere za borbu protiv pranja novca.  \n\nSljede\u0107e se promijenilo u Zakonu o pranju novca (GwG) od 1. sije\u010dnja 2020. u Njema\u010dkoj:\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-7989c15 elementor-widget elementor-widget-text-editor\" data-id=\"7989c15\" 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><b>Pro\u0161ireno podru\u010dje primjene<\/b>: Revidirani GwG obuhva\u0107a \u0161iri raspon poslova i profesionalnih skupina. To uklju\u010duje mjenja\u010dnice kriptovaluta, umjetni\u010dke i aukcijske ku\u0107e te pru\u017eatelje usluga virtualnih valuta. Te tvrtke sada moraju po\u0161tivati iste propise o pranju novca kao i tradicionalne financijske institucije.  <\/li><li><b>Poja\u010dane obveze du\u017ene pa\u017enje<\/b>: Tvrtke i financijske institucije moraju provoditi poja\u010dane obveze du\u017ene pa\u017enje pri identifikaciji svojih klijenata. To zna\u010di da moraju provesti temeljitu provjeru identiteta klijenata (KYC) kako bi osigurale da ne posluju s potencijalno sumnjivim osobama. To je posebno va\u017eno kod transakcija iznad 10.000 eura.  <\/li><li><b>Registar transparentnosti<\/b>: Njema\u010dka je uvela sredi\u0161nji registar transparentnosti. U tom se registru prikupljaju i javno objavljuju informacije o stvarnim vlasnicima tvrtki. Time bi se trebalo ote\u017eati pranje novca, jer stvarni vlasnici tvrtki vi\u0161e ne mogu djelovati u tajnosti.  <\/li><li><b>Pove\u0107ane kazne<\/b>: Kazne za kr\u0161enje GwG-a drasti\u010dno su pove\u0107ane. Tvrtke i pojedinci koji kr\u0161e propise mogu biti ka\u017enjeni visokim nov\u010danim kaznama. Te nov\u010dane kazne mogu iznositi milijune u slu\u010daju ozbiljnih kr\u0161enja, a u najgorem slu\u010daju mo\u017ee se izre\u0107i i zatvorska kazna.  <\/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-50edebc elementor-widget elementor-widget-text-editor\" data-id=\"50edebc\" 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\tOve ciljane promjene u Zakonu o pranju novca dio su sveobuhvatnih napora njema\u010dke vlade za u\u010dinkovitiju borbu protiv pranja novca i financiranja terorizma. Klju\u010dno je da tvrtke i osobe koje potpadaju pod GwG to\u010dno po\u0161tuju ove propise kako bi izbjegle pravne probleme i ozbiljne posljedice. \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-4a15ece elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"4a15ece\" 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-12dd1b7 elementor-widget elementor-widget-heading\" data-id=\"12dd1b7\" 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\">Tko je obuhva\u0107en Zakonom o pranju novca? Obveznici Zakona o pranju novca <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-911af93 elementor-widget elementor-widget-heading\" data-id=\"911af93\" 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\">Izvadak iz zakona i obja\u0161njenje<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90a851b elementor-widget elementor-widget-text-editor\" data-id=\"90a851b\" 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>GwG se primjenjuje na sve tvrtke u Njema\u010dkoj, bez obzira na njihovu veli\u010dinu ili djelatnost. Obuhva\u0107a mnoge razli\u010dite tvrtke koje se bave financijskim transakcijama. One su obvezne razviti i provesti interne smjernice i postupke za borbu protiv pranja novca.  <\/p><p><b>Zakonom o pranju novca obuhva\u0107eni<\/b> su, izme\u0111u ostalog, sljede\u0107i obveznici. Popis svih obveznika mo\u017eete pogledati u <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__2.html\" target=\"_blank\" rel=\"noopener\">GwG \u00a7 2 st. 1<\/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-f1aff6d elementor-widget elementor-widget-text-editor\" data-id=\"f1aff6d\" 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>Javni bilje\u017enici<\/li><li>Kreditne institucije<\/li><li><a href=\"https:\/\/nect.com\/hr\/industrije\/bankarstvo-i-financijske-usluge\/\" target=\"_blank\" rel=\"noopener\">Financijske institucije<\/a><\/li><li>Financijska poduze\u0107a<\/li><li>odre\u0111ena <a href=\"https:\/\/nect.com\/hr\/industrije\/osiguranje\/\" target=\"_blank\" rel=\"noopener\">osiguravaju\u0107a dru\u0161tva<\/a><\/li><li>Odvjetnici <\/li><li>Porezni savjetnici<\/li><li>Agenti za nekretnine<\/li><li>Trgovci robom<\/li><\/ul>\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-ce822d2 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"ce822d2\" 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-788b7b5 e-con-full e-flex e-con e-child\" data-id=\"788b7b5\" 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-001a6f2 elementor-widget elementor-widget-heading\" data-id=\"001a6f2\" 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-da13ba7 elementor-widget elementor-widget-text-editor\" data-id=\"da13ba7\" 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-4fb0371 elementor-widget elementor-widget-image\" data-id=\"4fb0371\" 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-37c7410 elementor-widget elementor-widget-button\" data-id=\"37c7410\" 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-77ac34c elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"77ac34c\" 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-738a60c elementor-widget elementor-widget-heading\" data-id=\"738a60c\" 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\">Zahtjevi Zakona o pranju novca za tvrtke<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f0cd0b elementor-widget elementor-widget-text-editor\" data-id=\"2f0cd0b\" 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>GwG igra va\u017enu ulogu u poslovanju jer obvezuje tvrtke na poduzimanje mjera za sprje\u010davanje pranja novca. To uklju\u010duje identifikaciju i provjeru klijenata, \u010duvanje poslovne dokumentacije i prijavljivanje sumnjivih transakcija. <\/p><p>Obveznici prema Zakonu o pranju novca (GwG) u Njema\u010dkoj moraju ispuniti razli\u010dite zahtjeve u praksi kako bi se u\u010dinkovito borili protiv pranja novca i financiranja terorizma. <\/p><p>Evo nekih od najva\u017enijih zahtjeva:<\/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-65411f3 elementor-widget elementor-widget-text-editor\" data-id=\"65411f3\" 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><a href=\"https:\/\/nect.com\/hr\/proizvodi\/kyc-kyb\/\" target=\"_blank\" rel=\"noopener\">KYC<\/a> (Know Your Customer) \u2013 Identifikacija i provjera klijenata:<\/strong> Obveznici moraju pa\u017eljivo provjeravati i nadzirati identitet svojih klijenata. To uklju\u010duje prikupljanje identifikacijskih dokumenata, provjeru imena prema sankcijskim listama i identifikaciju stvarnog vlasnika. <\/li><li><strong>Prijavljivanje sumnjivih transakcija:<\/strong> Ako obveznici sumnjaju da je transakcija ili poslovni odnos povezan s pranjem novca ili financiranjem terorizma, obvezni su to prijaviti nadle\u017enim tijelima. Prijave sumnjivih transakcija mogu se podnijeti putem <a href=\"https:\/\/goaml.fiu.bund.de\/Home\" target=\"_blank\" rel=\"noopener\">portala za prijavu Financijsko-obavje\u0161tajne jedinice<\/a> (FIU). <\/li><li><strong>Procjena i upravljanje rizikom:<\/strong> Obveznici moraju provoditi procjene rizika kako bi identificirali rizike pranja novca u svom poslovnom okru\u017eenju. Na temelju te procjene trebali bi poduzeti odgovaraju\u0107e mjere za minimiziranje tih rizika. <\/li><li><strong>\u010cuvanje evidencije:<\/strong> Obveznici moraju \u010duvati poslovnu dokumentaciju i dokumente o transakcijama odre\u0111eno vrijeme kako bi ih nadle\u017ena tijela mogla pregledati po potrebi.<\/li><li><strong>Obuka i podizanje svijesti:<\/strong> Zaposlenici obveznika trebali bi se redovito obu\u010davati o sprje\u010davanju i prepoznavanju pranja novca kako bi se osiguralo da razumiju i po\u0161tuju propise.<\/li><li><strong>Interne kontrole i programi uskla\u0111enosti:<\/strong> Obveznici bi trebali implementirati interne kontrole i programe uskla\u0111enosti kako bi osigurali da ispunjavaju zakonske zahtjeve. To uklju\u010duje imenovanje slu\u017ebenika za sprje\u010davanje pranja novca i implementaciju internih postupaka revizije. <\/li><li><strong>Registar transparentnosti:<\/strong> \u010cim obveznici sura\u0111uju s tvrtkama (pravnim osobama), moraju se izvr\u0161iti upiti o poslovnom partneru u registru transparentnosti u vezi sa stvarnim vlasnikom.<\/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-172683d elementor-widget elementor-widget-text-editor\" data-id=\"172683d\" 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\tKonkretni zahtjevi mogu varirati ovisno o vrsti obveznika i djelatnosti. Me\u0111utim, klju\u010dno je da poduzmete sve potrebne korake kako biste osigurali sprje\u010davanje pranja novca i financiranja terorizma u praksi te po\u0161tivali zakonske propise. Rado \u0107emo vam u tome pomo\u0107i.  \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-9f0ead6 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"9f0ead6\" 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-9c4e7fc elementor-widget elementor-widget-heading\" data-id=\"9c4e7fc\" 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\">Kr\u0161enje GwG-a \u2013 ove kazne prijete u slu\u010daju nepo\u0161tivanja<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9afee6e elementor-widget elementor-widget-text-editor\" data-id=\"9afee6e\" 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>Po\u0161tivanje GwG-a od velike je va\u017enosti, jer kr\u0161enja zakona mogu imati ozbiljne posljedice. Tvrtke koje kr\u0161e GwG mogu biti ka\u017enjene nov\u010danim kaznama, a njihov ugled i vjerodostojnost mogu biti zna\u010dajno naru\u0161eni. Osim toga, tvrtke koje podr\u017eavaju pranje novca ili financiranje terorizma mogu biti kazneno gonjene <a href=\"https:\/\/www.gesetze-im-internet.de\/stgb\/__261.html\" target=\"_blank\" rel=\"noopener\">prema \u010dl. 261. Kaznenog zakona<\/a>.  <\/p><p>U slu\u010daju kr\u0161enja Zakona o pranju novca (GwG) mogu\u0107e su sljede\u0107e nov\u010dane kazne:<\/p><p>Za jednostavna kr\u0161enja, <b>nov\u010dana kazna iznosi do 150.000 eura<\/b> (prema <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__56.html\" target=\"_blank\" rel=\"noopener\">\u010dl. 56. st. 1. re\u010denica 2. GwG-a <\/a>).<\/p><p>Te\u0161ka, ponovljena ili sustavna kr\u0161enja mogu se kazniti nov\u010danim kaznama do 1 milijun eura (prema <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__56.html\" target=\"_blank\" rel=\"noopener\">\u010dl. 56. st. 3. GwG-a <\/a>).<\/p><p>U slu\u010dajevima kada se radi o obveznicima prema \u00a7<a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__2.html\" target=\"_blank\" rel=\"noopener\"> 2. stavku 1. to\u010dkama 1. do 3. i 6. do 9. GwG-a<\/a>, a radi se o pravnim osobama ili udru\u017eenjima osoba, mo\u017ee se izre\u0107i vi\u0161a nov\u010dana kazna. Ipak, nov\u010dana kazna u takvim slu\u010dajevima ne smije prelaziti sljede\u0107e iznose: <\/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-90a2b6a elementor-widget elementor-widget-text-editor\" data-id=\"90a2b6a\" 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><strong>Pet milijuna eura<\/strong> ili<\/li><li><strong>10 posto ukupnog prometa<\/strong> koji je pravna osoba ili udru\u017eenje osoba ostvarilo u poslovnoj godini koja je prethodila odluci nadle\u017enog tijela<\/li><\/ul>\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-db0e3f5 elementor-widget elementor-widget-text-editor\" data-id=\"db0e3f5\" 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\tVa\u017eno je napomenuti da se pravomo\u0107ne odluke o nov\u010danim kaznama moraju javno objaviti na internetskoj stranici nadle\u017enog nadzornog tijela, \u0161to se \u010desto naziva \u201epravilom sramo\u0107enja\u201c.\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>Zakon o pranju novca: Obvezne tvrtke i privatne osobe moraju ispuniti zahtjeve GwG-a kako bi izbjegle kazne u slu\u010daju kr\u0161enja.<\/p>\n","protected":false},"author":3,"featured_media":30694,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[734],"tags":[736,771],"class_list":["post-30693","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-regulativa","tag-sprjecavanje-prijevara"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - 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