{"id":31247,"date":"2025-12-15T15:17:43","date_gmt":"2025-12-15T14:17:43","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/zakon-o-preprecevanju-pranja-denarja-kaj-morajo-vedeti-podjetja\/"},"modified":"2026-10-27T20:21:37","modified_gmt":"2026-10-27T19:21:37","slug":"zakon-o-preprecevanju-pranja-denarja-kaj-morajo-vedeti-podjetja","status":"publish","type":"post","link":"https:\/\/nect.com\/sl\/media\/blog\/zakon-o-preprecevanju-pranja-denarja-kaj-morajo-vedeti-podjetja\/","title":{"rendered":"Zakon o prepre\u010devanju pranja denarja: Kaj morajo vedeti podjetja"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31247\" class=\"elementor elementor-31247 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 prepre\u010devanju pranja denarja (ZPPPD) je pomembna smernica, ki jo morajo podjetja v Nem\u010diji upo\u0161tevati. Za u\u010dinkovit boj proti <a href=\"https:\/\/nect.com\/sl\/media\/blog\/pranje-denarja-na-to-morate-nujno-biti-pozorni\/\" target=\"_blank\" rel=\"noopener\">pranju denarja<\/a> morajo podjetja razumeti ZPPPD in se dr\u017eati njegovih zahtev. V tem \u010dlanku bomo podrobneje obravnavali ZPPPD in razpravljali o posledicah neupo\u0161tevanja.  <\/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\">Najpomembnej\u0161e na kratko<\/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 ZPPPD je za\u0161\u010dititi integriteto finan\u010dnega sistema in zajeziti kriminal<\/li><li>ZPPPD velja za vsa podjetja v Nem\u010diji, ki se ukvarjajo s finan\u010dnimi transakcijami \u2013 ne glede na velikost ali panogo podjetja<\/li><li>Podjetjem, ki kr\u0161ijo Zakon o prepre\u010devanju pranja denarja, grozijo visoke denarne kazni<\/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\tKazalo vsebine\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 prepre\u010devanju pranja denarja preprosto razlo\u017een<\/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>ZPPPD je bil uveden za <b>boj proti pranju denarja in financiranju terorizma<\/b>. Dolo\u010da pravila in postopke, ki jih <b>morajo podjetja upo\u0161tevati<\/b> za prepoznavanje in poro\u010danje o sumljivih dejavnostih. Cilj ZPPPD je za\u0161\u010dititi integriteto finan\u010dnega sistema in zajeziti kriminal.  <\/p><p>Poleg tega <b>ZPPPD opredeljuje pranje denarja<\/b> kot proces, pri katerem se nezakoniti prihodki vklju\u010dijo v zakoniti finan\u010dni obtok. Vklju\u010duje razli\u010dne metode, kot so prikrivanje izvora denarja, me\u0161anje zakonitih in nezakonitih sredstev ter uporaba podjetij za pranje denarja. ZPPPD je izjemnega pomena za vsa podjetja v Nem\u010diji, ne glede na njihovo velikost ali panogo.  <\/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\">Kdaj je bil ZPPPD uveden v Nem\u010diji?<\/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 prepre\u010devanju pranja denarja (ZPPPD) je pomemben del nem\u0161kega pravnega sistema in ima dolgo zgodovino. Prvi\u010d je bil <b>uveden leta 1993<\/b> in je bil od takrat ve\u010dkrat posodobljen, da bi se prilagodil spreminjajo\u010dim se gro\u017enjam pranja denarja in financiranja terorizma. ZPPPD temelji na mednarodnih standardih in smernicah, zlasti na priporo\u010dilih Finan\u010dne delovne skupine (FATF), mednarodne organizacije za boj proti pranju denarja in financiranju 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\">Kaj je osnova Zakona o prepre\u010devanju pranja denarja?<\/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 o prepre\u010devanju pranja denarja predstavlja osnovo vseh nacionalnih zakonov o prepre\u010devanju pranja denarja. Med letoma 1991 in 2018 je bilo objavljenih \u017ee \u0161est direktiv. Dr\u017eave so odgovorne za prenos direktive EU o prepre\u010devanju pranja denarja v nacionalno zakonodajo. V Nem\u010diji se to izvaja z razli\u010dnimi prilagoditvami Zakona o prepre\u010devanju pranja denarja.    \n\nPregled vseh direktiv EU o prepre\u010devanju pranja denarja:\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 o prepre\u010devanju pranja denarja 1991<\/li>\n \t<li>2. Direktiva EU o prepre\u010devanju pranja denarja 2001<\/li>\n \t<li>3. Direktiva EU o prepre\u010devanju pranja denarja 2005<\/li>\n \t<li>4. Direktiva EU o prepre\u010devanju pranja denarja 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 o prepre\u010devanju pranja denarja 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 o prepre\u010devanju pranja denarja 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\">Kaj se spreminja v Zakonu o prepre\u010devanju pranja denarja od leta 2020? Kaj velja leta 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\tZPPPD je dinami\u010den zakon, ki se nenehno razvija, da bi se prilagodil spreminjajo\u010dim se gro\u017enjam. Pomembno je, da so podjetja na teko\u010dem z najnovej\u0161imi zakonskimi zahtevami ter redno pregledujejo in posodabljajo svoje ukrepe za boj proti pranju denarja.  \n\nSpremembe v Zakonu o prepre\u010devanju pranja denarja (ZPPPD) v Nem\u010diji od 1. januarja 2020:\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>Raz\u0161irjeno podro\u010dje uporabe<\/b>: Revidirani ZPPPD zajema \u0161ir\u0161i spekter poslov in poklicnih skupin. Sem spadajo borze kriptovalut, umetni\u0161ke in dra\u017ebene hi\u0161e ter ponudniki storitev virtualnih valut. Ta podjetja morajo zdaj upo\u0161tevati enaka pravila o prepre\u010devanju pranja denarja kot tradicionalne finan\u010dne institucije.  <\/li><li><b>Zaostrene skrbnosti<\/b>: Podjetja in finan\u010dne institucije morajo izvajati poostrene skrbnosti pri identifikaciji svojih strank. To pomeni, da morajo izvesti temeljito preverjanje identitete strank (KYC), da zagotovijo, da ne poslujejo s potencialno sumljivimi osebami. To je \u0161e posebej pomembno pri transakcijah nad 10.000 evrov.  <\/li><li><b>Register dejanskih lastnikov<\/b>: Nem\u010dija je uvedla centralni register dejanskih lastnikov. V tem registru se zbirajo in javno objavljajo informacije o dejanskih lastnikih podjetij. S tem naj bi bilo te\u017eje izvajati pranje denarja, saj se pravi lastniki podjetij ne morejo ve\u010d skrivati.  <\/li><li><b>Povi\u0161ane kazni<\/b>: Kazni za kr\u0161itve ZPPPD so bile drasti\u010dno povi\u0161ane. Podjetja in posamezniki, ki kr\u0161ijo predpise, so lahko kaznovani z visokimi denarnimi kaznimi. Te kazni lahko v primeru hudih kr\u0161itev dose\u017eejo milijone, v najslab\u0161em primeru pa je lahko izre\u010dena celo zaporna kazen.  <\/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\tTe ciljane spremembe v Zakonu o prepre\u010devanju pranja denarja so del obse\u017enih prizadevanj nem\u0161ke vlade za u\u010dinkovitej\u0161i boj proti pranju denarja in financiranju terorizma. Klju\u010dnega pomena je, da podjetja in osebe, ki spadajo pod ZPPPD, natan\u010dno upo\u0161tevajo te predpise, da se izognejo pravnim te\u017eavam in resnim posledicam. \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\">Koga zadeva Zakon o prepre\u010devanju pranja denarja? Zavezanci po Zakonu o prepre\u010devanju pranja denarja <\/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\">Izvle\u010dek iz zakona in pojasnilo<\/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>ZPPPD velja za vsa podjetja v Nem\u010diji, ne glede na njihovo velikost ali panogo. Zadeva \u0161tevilna razli\u010dna podjetja, ki se ukvarjajo s finan\u010dnimi transakcijami. Zavezana so k razvoju in izvajanju notranjih politik in postopkov za boj proti pranju denarja.  <\/p><p><b>Zakon o prepre\u010devanju pranja denarja zadeva<\/b> med drugim naslednje zavezance. Seznam vseh zavezancev si lahko ogledate v <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__2.html\" target=\"_blank\" rel=\"noopener\">ZPPPD \u00a7 2 odst. 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>Notarji<\/li><li>Kreditne institucije<\/li><li><a href=\"https:\/\/nect.com\/sl\/panoge\/bancnistvo-in-financne-storitve\/\" target=\"_blank\" rel=\"noopener\">Finan\u010dne storitvene institucije<\/a><\/li><li>Finan\u010dna podjetja<\/li><li>dolo\u010dene <a href=\"https:\/\/nect.com\/sl\/panoge\/zavarovalnistvo\/\" target=\"_blank\" rel=\"noopener\">zavarovalnice<\/a><\/li><li>Odvetniki <\/li><li>Dav\u010dni svetovalci<\/li><li>Nepremi\u010dninski posredniki<\/li><li>Trgovci z blagom<\/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 pomaga Nect?<\/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\tPospe\u0161ite svoje procese skladnosti brez napora in pravno varno: Odkrijte Nect, preizku\u0161eno platformo za <b>odvetnike, dav\u010dne svetovalce, notarje, revizorje in nepremi\u010dninske posrednike<\/b>. Po\u0161ljite nam povpra\u0161evanje in si zagotovite dostop do u\u010dinkovitih, varnih in udobnih re\u0161itev za va\u0161e stranke \u2013 izkoristite preizku\u0161eno izbiro \u0161tevilnih uglednih odvetni\u0161kih pisarn. \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-31128\" alt=\"Brskalnik z oceno tveganja KYB 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 se za predstavitev<\/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\">Zahteve Zakona o prepre\u010devanju pranja denarja za podjetja<\/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>ZPPPD igra pomembno vlogo v poslovanju, saj podjetja zavezuje k sprejetju ukrepov za prepre\u010devanje pranja denarja. To vklju\u010duje identifikacijo in preverjanje strank, shranjevanje poslovne dokumentacije in poro\u010danje o sumljivih transakcijah. <\/p><p>Zavezanci v skladu z Zakonom o prepre\u010devanju pranja denarja (ZPPPD) v Nem\u010diji morajo v praksi izpolnjevati razli\u010dne zahteve za u\u010dinkovit boj proti pranju denarja in financiranju terorizma. <\/p><p>Tukaj so nekatere najpomembnej\u0161e zahteve:<\/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\/sl\/produkti\/kyc-kyb\/\" target=\"_blank\" rel=\"noopener\">KYC<\/a> (Spoznaj svojo stranko) \u2013 Identifikacija in preverjanje strank:<\/strong> Zavezanci morajo skrbno preveriti in nadzorovati identiteto svojih strank. To vklju\u010duje zbiranje identifikacijskih dokumentov, preverjanje imen na seznamih sankcij in identifikacijo dejanskega lastnika. <\/li><li><strong>Poro\u010danje o sumljivih transakcijah:<\/strong> \u010ce zavezanci sumijo, da je transakcija ali poslovni odnos povezan s pranjem denarja ali financiranjem terorizma, so dol\u017eni to sporo\u010diti pristojnim organom. Poro\u010dila o sumih se lahko oddajo na <a href=\"https:\/\/goaml.fiu.bund.de\/Home\" target=\"_blank\" rel=\"noopener\">portalu za poro\u010danje Finan\u010dne obve\u0161\u010devalne enote<\/a> (FIU). <\/li><li><strong>Ocena in obvladovanje tveganj:<\/strong> Zavezanci morajo izvesti ocene tveganj za prepoznavanje tveganj pranja denarja v svojem poslovnem okolju. Na podlagi te ocene bi morali sprejeti ustrezne ukrepe za zmanj\u0161anje teh tveganj. <\/li><li><strong>Hranjenje evidenc:<\/strong> Zavezanci morajo hraniti poslovno dokumentacijo in transakcijske dokumente dolo\u010deno obdobje, da jih lahko po potrebi pregledajo pristojni organi.<\/li><li><strong>Usposabljanje in ozave\u0161\u010danje:<\/strong> Zaposleni pri zavezancih bi morali biti redno usposobljeni za prepre\u010devanje in odkrivanje pranja denarja, da bi zagotovili razumevanje in upo\u0161tevanje predpisov.<\/li><li><strong>Notranje kontrole in programi skladnosti:<\/strong> Zavezanci bi morali implementirati notranje kontrole in programe skladnosti, da bi zagotovili izpolnjevanje zakonskih zahtev. To vklju\u010duje imenovanje poobla\u0161\u010denca za prepre\u010devanje pranja denarja in izvajanje notranjih revizijskih postopkov. <\/li><li><strong>Register dejanskih lastnikov:<\/strong> Takoj ko zavezanci sodelujejo s podjetji (pravnimi osebami), je treba pridobiti informacije o poslovnem partnerju v registru dejanskih lastnikov glede dejanskega upravi\u010denca.<\/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\tKonkretne zahteve se lahko razlikujejo glede na vrsto zavezanca in panogo. Vendar je klju\u010dnega pomena, da sprejmete vse potrebne korake za zagotovitev prepre\u010devanja pranja denarja in financiranja terorizma v praksi ter upo\u0161tevate zakonske predpise. Pri tem vam z veseljem pomagamo.  \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\u0161itev ZPPPD \u2013 te kazni grozijo v primeru neupo\u0161tevanja<\/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>Upo\u0161tevanje ZPPPD je izjemnega pomena, saj imajo kr\u0161itve zakona lahko resne posledice. Podjetja, ki kr\u0161ijo ZPPPD, so lahko kaznovana z denarnimi kaznimi, njihov ugled in verodostojnost pa sta lahko mo\u010dno okrnjena. Poleg tega so lahko podjetja, ki podpirajo pranje denarja ali financiranje terorizma, <a href=\"https:\/\/www.gesetze-im-internet.de\/stgb\/__261.html\" target=\"_blank\" rel=\"noopener\">kazensko preganjana v skladu s \u00a7 261 Kazenskega zakonika<\/a>.  <\/p><p>V primeru kr\u0161itev Zakona o prepre\u010devanju pranja denarja (ZPPPD) so mo\u017ene naslednje denarne kazni:<\/p><p>Pri enostavnih kr\u0161itvah zna\u0161a <b>globa do 150.000 evrov<\/b> (v skladu z <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__56.html\" target=\"_blank\" rel=\"noopener\">\u00a7 56 odst. 1 stavek 2 ZPPPD <\/a>).<\/p><p>Hude, ponavljajo\u010de se ali sistemati\u010dne kr\u0161itve se lahko kaznujejo z globami do 1 milijona evrov (v skladu z <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__56.html\" target=\"_blank\" rel=\"noopener\">\u00a7 56 odst. 3 ZPPPD <\/a>).<\/p><p>V primerih, ko gre za zavezance v skladu s \u00a7<a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__2.html\" target=\"_blank\" rel=\"noopener\"> 2 odstavkom 1 to\u010dkami 1 do 3 in 6 do 9 ZPPPD<\/a> in so ti pravne osebe ali zdru\u017eenja oseb, se lahko izre\u010de vi\u0161ja denarna kazen. Kljub temu denarna kazen v tak\u0161nih primerih ne sme presegati naslednjih zneskov: <\/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 milijonov evrov<\/strong> ali<\/li><li><strong>10 odstotkov celotnega prometa<\/strong>, ki ga je pravna oseba ali zdru\u017eenje oseb doseglo v poslovnem letu, ki je predhodilo odlo\u010ditvi organa<\/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\tPomembno je opozoriti, da morajo biti dokon\u010dne odlo\u010ditve o denarnih kaznih javno objavljene na spletni strani pristojnega nadzornega organa, kar se pogosto imenuje \u00bbpravilo sramotilnega stebra\u00ab.\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 prepre\u010devanju pranja denarja: Zavezana podjetja in posamezniki morajo izpolnjevati zahteve ZPPPD, da bi se izognili kaznim v primeru kr\u0161itev.<\/p>\n","protected":false},"author":3,"featured_media":31248,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[821],"tags":[835,823],"class_list":["post-31247","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-preprecevanje-goljufij","tag-regulativa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - 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