{"id":31268,"date":"2025-12-04T14:02:53","date_gmt":"2025-12-04T13:02:53","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/pranje-denarja-na-to-morate-nujno-biti-pozorni\/"},"modified":"2026-10-27T20:23:35","modified_gmt":"2026-10-27T19:23:35","slug":"pranje-denarja-na-to-morate-nujno-biti-pozorni","status":"publish","type":"post","link":"https:\/\/nect.com\/sl\/media\/blog\/pranje-denarja-na-to-morate-nujno-biti-pozorni\/","title":{"rendered":"Pranje denarja: na to morate nujno biti pozorni"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31268\" class=\"elementor elementor-31268 elementor-30062\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed9af1c e-flex e-con-boxed e-con e-parent\" data-id=\"ed9af1c\" 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-f7586cc elementor-widget elementor-widget-text-editor\" data-id=\"f7586cc\" 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\tPranje denarja je globalen problem, ki ne vpliva le na gospodarstvo, temve\u010d tudi na dru\u017ebo in politiko. V tem \u010dlanku podajamo celovit pregled pranja denarja \u2013 od definicije do posledic in zakonskih ureditev za njegovo prepre\u010devanje. Obravnavali bomo tudi razli\u010dne metode pranja denarja ter predstavili mo\u017enosti za prepre\u010devanje in u\u010dinkovito zajezitev.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbec267 e-con-full e-flex e-con e-child\" data-id=\"fbec267\" 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-1067798 elementor-widget elementor-widget-heading\" data-id=\"1067798\" 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-b7b22f2 elementor-widget elementor-widget-text-editor\" data-id=\"b7b22f2\" 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>Pranje denarja<\/strong> = nezakonit denar se vklju\u010di v zakonit finan\u010dni obtok, da se prikrije njegov izvor<\/li><li>Tri faze pranja denarja so vnos, plastenje in integracija.<\/li><li>Pranje denarja, poskus pranja denarja ter pomo\u010d pri pranju denarja se <strong>kazensko preganjajo<\/strong>.<\/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-fef7800 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"fef7800\" 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__fef7800\" 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__fef7800\" 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__fef7800\" 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-39430b7 e-con-full e-flex e-con e-child\" data-id=\"39430b7\" 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-e1a0a09 elementor-widget elementor-widget-spacer\" data-id=\"e1a0a09\" 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-e101a2c elementor-widget elementor-widget-heading\" data-id=\"e101a2c\" 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\">Definicija: Kaj je pranje denarja?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-898f9a1 elementor-widget elementor-widget-text-editor\" data-id=\"898f9a1\" 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\tPranje denarja je proces, pri katerem se nezakonit denar vklju\u010di v zakonit finan\u010dni obtok, da se prikrije njegov izvor. To kriminalcem omogo\u010da, da nezakonite prihodke prika\u017eejo kot zakonito premo\u017eenje. \n\nPranje denarja se mednarodno obravnava kot kaznivo dejanje, saj spodkopava pravni okvir finan\u010dnih transakcij in ogro\u017ea stabilnost gospodarstva. S tem ko nezakonite dobi\u010dke prika\u017ee kot legitimne, pranje denarja prepre\u010duje organom pregona, da bi razkrili kriminalna omre\u017eja in zasegli njihovo premo\u017eenje. \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-0833b2d elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"0833b2d\" 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-5ff080d elementor-widget elementor-widget-heading\" data-id=\"5ff080d\" 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\">Tri faze pranja denarja: obi\u010dajen potek <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e3629c elementor-widget elementor-widget-text-editor\" data-id=\"6e3629c\" 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>Obstajajo <strong>razli\u010dne metode oziroma vrste<\/strong> pranja denarja. Dve pogosto uporabljeni metodi sta plastenje in integracija. V prvi fazi se denar umesti v gospodarski obtok:  <\/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-1d2e4e5 elementor-widget elementor-widget-heading\" data-id=\"1d2e4e5\" 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\">Faza 1 \u00bbVnos\u00ab: denar se umesti v gospodarski obtok<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0461bc4 elementor-widget elementor-widget-text-editor\" data-id=\"0461bc4\" 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>V tej fazi se posku\u0161a denar vnesti v gospodarski obtok. Pogosto se za to uporabljajo restavracije. Restavracija ustvarja malo prihodkov, lastnik pa dav\u010dnemu uradu prijavi visoke prihodke.  <\/p><p>Poleg tega se ustanavljajo navidezna podjetja, v katera se denar investira. Tako je mogo\u010de denarne tokove narediti netransparentne. <\/p><p>Drugo sredstvo za vnos nezakonito pridobljenega denarja je gotovinsko vpla\u010devanje manj\u0161ih zneskov na veliko razli\u010dnih ra\u010dunov, imenovano tudi \u00bb<a href=\"https:\/\/nect.com\/sl\/media\/blog\/smurfing-kaj-se-skriva-za-to-metodo-pranja-denarja\/\" target=\"_blank\" rel=\"noopener\">Smurfing<\/a> (\u0161murfanje)\u00ab. Banke posku\u0161ajo temu nasprotovati tako, da tak\u0161ne nepravilnosti prijavljajo. <\/p><p>Kriminalci poleg \u017ee navedenih na\u010dinov ume\u0161\u010danja denarja uporabljajo tudi \u00bbStructuring (strukturiranje)\u00ab. Pri tem se z gotovino kupujejo luksuzne dobrine, kot so plemenite kovine, nakit, ure, umetnine ali avtomobili. Pozneje se te dobrine pogosto prodajo v tujini.  <\/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-53c2278 elementor-widget elementor-widget-heading\" data-id=\"53c2278\" 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\">Faza 2 \u00bbPlastenje\u00ab: proces prikrivanja<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f943ff elementor-widget elementor-widget-text-editor\" data-id=\"9f943ff\" 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>Pri plastenju se nezakonita sredstva razdelijo na ve\u010d transakcij ali porazdelijo prek razli\u010dnih ra\u010dunov, da se prikrije jasna povezava z nezakonito dejavnostjo. To lahko preiskovalnim organom ote\u017ei identifikacijo dejanskega postopka pranja denarja. <\/p><p>Plastenje je izjemno prefinjena metoda pranja denarja. Nezakonit denar se v ve\u010d korakih prena\u0161a prek razli\u010dnih finan\u010dnih institucij ali dr\u017eav. Ta postopek pralcem denarja omogo\u010da, da zabri\u0161ejo sledi nezakonitega izvora in prikrijejo izvor sredstev.  <\/p><p>Primer plastenja je razdelitev velikih denarnih zneskov na manj\u0161e zneske, ki se nato posami\u010dno premikajo prek razli\u010dnih ra\u010dunov ali transakcij. S tem je te\u017eje slediti denarnim tokovom in odkriti nezakonit izvor denarja. <\/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-a86a914 elementor-widget elementor-widget-heading\" data-id=\"a86a914\" 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\">Faza 3 \u00bbIntegracija\u00ab: vklju\u010ditev \u00bb\u010distega\u00ab denarja v gospodarstvo<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b100a6 elementor-widget elementor-widget-text-editor\" data-id=\"5b100a6\" 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>Pri integraciji se \u00bboprani\u00ab denar investira v zakonite gospodarske dejavnosti, na primer v nepremi\u010dnine ali podjetja. Te \u00bb\u010diste\u00ab nalo\u017ebe slu\u017eijo temu, da se nezakonit denar legitimira in hkrati ustvarja dobi\u010dek. <\/p><p>Z nakupom nepremi\u010dnin lahko pralci denarja sredstva pretvorijo v premo\u017eenje, ki mu ni tako enostavno slediti kot gotovini.<\/p><p>Drug primer integracije je ustanavljanje navideznih podjetij, ki se predstavljajo kot zakoniti poslovni subjekti. Ta podjetja lahko delujejo v razli\u010dnih panogah, na primer v nepremi\u010dninskem sektorju, gostinstvu ali storitvah. <\/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-b3d6c08 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"b3d6c08\" 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-3d79e7f elementor-widget elementor-widget-heading\" data-id=\"3d79e7f\" 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 pranje denarja kaznivo? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6092323 elementor-widget elementor-widget-text-editor\" data-id=\"6092323\" 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\tPraviloma pranju denarja predhodijo druga protipravna dejanja. Takoj ko je mogo\u010de komu o\u010ditati pranje denarja, je treba ra\u010dunati, da obstaja podlaga, ki na primer temelji na dav\u010dni utaji ali goljufiji.  \n\nKaznivo ni le \u00bbdokon\u010dano pranje denarja\u00ab. Pravosodje razlikuje naslednje kategorije:  \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-32e78a7 elementor-widget elementor-widget-heading\" data-id=\"32e78a7\" 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 \u0161teje kot poskus 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-9256381 elementor-widget elementor-widget-text-editor\" data-id=\"9256381\" 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\tPoskus pranja denarja nastopi, ko nekdo posku\u0161a nezakonita sredstva vnesti v zakonit finan\u010dni obtok, vendar iz kakr\u0161negakoli razloga pri tem ni uspe\u0161en. Tudi \u010de poskus ni dokon\u010dan, se kazensko preganja. Kazni se lahko razlikujejo glede na jurisdikcijo, vendar so pogosto manj stroge kot pri dokon\u010danem pranju 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-6a645ae elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"6a645ae\" 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-08fa92d e-con-full e-flex e-con e-child\" data-id=\"08fa92d\" 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-1dca5de elementor-widget elementor-widget-heading\" data-id=\"1dca5de\" 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 spada pod pomo\u010d pri pranju denarja?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac88bfd elementor-widget elementor-widget-text-editor\" data-id=\"ac88bfd\" 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\tPomo\u010d pri pranju denarja se nana\u0161a na podporo ali sostorilstvo pri izvajanju dejavnosti pranja denarja, ki jih izvajajo druge osebe. To lahko pomeni, da je nekdo na kakr\u0161en koli na\u010din vklju\u010den v izvedbo transakcij, katerih cilj je pranje nezakonito pridobljenih sredstev. Kazni za pomo\u010d pri pranju denarja so praviloma prav tako stroge, udele\u017eenci pa so lahko pravno preganjani.  \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-6db220a elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"6db220a\" 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-a015ad8 elementor-widget elementor-widget-heading\" data-id=\"a015ad8\" 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 velja za malomarno oziroma nevedno pranje denarja?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73df40b elementor-widget elementor-widget-text-editor\" data-id=\"73df40b\" 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><strong>Nevedno pranje denarja<\/strong> nastopi, ko nekdo sredstva nevede uporablja ali jih vnese v zakonit finan\u010dni obtok, ne da bi vedel za njihov nezakonit izvor. V nekaterih primerih se to lahko uporabi kot obrambna strategija za izognitev kazenskemu pregonu. Vendar je pomembno upo\u0161tevati, da je dokazno breme pogosto na obto\u017eenem, da doka\u017ee, da je dejansko ravnal nevedno.  <\/p><p><strong>Malomarno pranje denarja<\/strong> se nana\u0161a na primere, ko nekdo ni bil dovolj previden ali je zanemaril svojo dol\u017enost skrbnosti, da bi zagotovil, da so sredstva, s katerimi posluje, zakonita. To lahko vodi v kazenski pregon, tudi \u010de oseba ni namerno prala denarja. Poudarja pomen natan\u010dnega preverjanja in pregleda finan\u010dnih transakcij za prepre\u010devanje pranja denarja.  <\/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-c83813f elementor-widget elementor-widget-heading\" data-id=\"c83813f\" 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\">Kak\u0161ne kazni je mogo\u010de pri\u010dakovati?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80cb184 elementor-widget elementor-widget-text-editor\" data-id=\"80cb184\" 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>V preteklosti so bile izre\u010dene obsodbe z zaporno kaznijo od treh do petih let, v posebej hudih primerih do deset let. To je dolo\u010deno v <a href=\"https:\/\/www.gesetze-im-internet.de\/stgb\/__261.html\" target=\"_blank\" rel=\"noopener\">\u00a7 261 Kazenskega zakonika<\/a> \u2013 <b>StGB<\/b>.  <\/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-28b4e9a elementor-widget elementor-widget-heading\" data-id=\"28b4e9a\" 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\">Ali je mogo\u010de pranje denarja kaznovati tudi z denarnimi kaznimi?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8f24ae elementor-widget elementor-widget-text-editor\" data-id=\"b8f24ae\" 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\tPraviloma se denarne kazni dolo\u010dijo, kadar je zagro\u017eena kazen ni\u017eja od 6 mesecev zapora. \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-76dda9f elementor-widget elementor-widget-heading\" data-id=\"76dda9f\" 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\">Kdaj pranje denarja zastara?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7655b88 elementor-widget elementor-widget-text-editor\" data-id=\"7655b88\" 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\tPranje denarja zastara v skladu s \u00a7 78 StGB. Zastaralni rok za pranje denarja po \u00a7 261 StGB je 5 let, pri posebej hudem primeru pranja denarja pa celo 10 let. \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-acec53e elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"acec53e\" 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-e7e8b51 e-con-full e-flex e-con e-child\" data-id=\"e7e8b51\" 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-eab2619 elementor-widget elementor-widget-heading\" data-id=\"eab2619\" 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 predhodno kaznivo dejanje v povezavi s pranjem denarja?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73a9e52 elementor-widget elementor-widget-text-editor\" data-id=\"73a9e52\" 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\tJasno mora biti, da je pranju denarja vedno podlaga predhodno kaznivo dejanje. Denar v nobenem primeru ne more biti pridobljen na zakonit na\u010din, \u010de se ga nato posku\u0161a ponovno vnesti v gospodarski obtok.  \n\nPredhodna kazniva dejanja se lahko razlikujejo. Pogosto gre za dejanja, kot so trgovina z drogami, izsiljevanje, prostitucija, trgovina z oro\u017ejem, tihotapljenje, rop ali podkupovanje. \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-ced555a elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"ced555a\" 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-4b7541d elementor-widget elementor-widget-heading\" data-id=\"4b7541d\" 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\">Prepre\u010devanje in boj proti pranju denarja<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d527ab elementor-widget elementor-widget-text-editor\" data-id=\"0d527ab\" 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\tPrepre\u010devanje in boj proti pranju denarja zahtevata sodelovanje med vladami, finan\u010dnimi institucijami in drugimi dele\u017eniki.\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-13c7b8d elementor-widget elementor-widget-heading\" data-id=\"13c7b8d\" 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\">Vloga zavezancev po GwG \u2013 Know Your Customer<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afe5e9c elementor-widget elementor-widget-text-editor\" data-id=\"afe5e9c\" 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>Zavezanci imajo klju\u010dno vlogo pri prepre\u010devanju pranja denarja. Vzpostaviti morajo u\u010dinkovite interne kontrolne sisteme, da prepoznajo sumljive transakcije in tak\u0161ne primere prijavijo <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">organom<\/a>. To vklju\u010duje preverjanje identitete strank, pregled transakcij in oceno tveganja strank. Ta postopek se imenuje Know Your Customer \u2013 na kratko <a href=\"https:\/\/nect.com\/sl\/produkti\/kyc-kyb\/\" target=\"_blank\" rel=\"noopener\">KYC<\/a>.   <\/p><p>K obveznosti identifikacije so med drugim zavezane banke, zavarovalnice, odvetniki, notarji, dav\u010dni svetovalci, trgovci z blagom in nepremi\u010dninski posredniki.<\/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-3ff4015 elementor-widget elementor-widget-heading\" data-id=\"3ff4015\" 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\">Tehnolo\u0161ke re\u0161itve za boj proti pranju denarja<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05b325d elementor-widget elementor-widget-text-editor\" data-id=\"05b325d\" 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>Nove tehnologije, kot sta umetna inteligenca in strojno u\u010denje, lahko finan\u010dnim institucijam pomagajo pranje denarja bolje <strong>prepoznati<\/strong> in ga <strong>prepre\u010devati<\/strong>. Z analizo velikih koli\u010din podatkov je mogo\u010de identificirati sumljive vzorce in jih prijaviti. Integracija teh tehnologij v obstoje\u010de sisteme je pomemben korak k u\u010dinkovitemu boju proti pranju denarja.  <\/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-aeda5be elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"aeda5be\" 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-c720f09 e-con-full e-flex e-con e-child\" data-id=\"c720f09\" 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-0ac8820 elementor-widget elementor-widget-heading\" data-id=\"0ac8820\" 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-e0d5291 elementor-widget elementor-widget-text-editor\" data-id=\"e0d5291\" 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-cee6b14 elementor-widget elementor-widget-image\" data-id=\"cee6b14\" 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-653977d elementor-widget elementor-widget-button\" data-id=\"653977d\" 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-00d268f elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"00d268f\" 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-00ffda8 elementor-widget elementor-widget-heading\" data-id=\"00ffda8\" 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\">Primer scenarija \u2013 tukaj gre za pranje denarja<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdd9667 elementor-widget elementor-widget-text-editor\" data-id=\"bdd9667\" 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\tTrgovec z drogami si s prodajo nezakonitih substanc pridobi 200.000\u20ac gotovine. Koli\u010dine gotovine so tako velike, da razmi\u0161lja, kako bi ta \u00bbumazani\u00ab denar spravil na svoj ban\u010dni ra\u010dun, ne da bi pri tem vzbudil pozornost.  \n\nNajame poslovni prostor in odpre restavracijo s hitro prehrano. Posel skoraj ne ustvarja prometa, vendar dav\u010dnemu uradu prijavlja dobro delujo\u010de podjetje z visokimi prihodki.  \n\nPrihodki v resnici ne izvirajo od \u0161tevilnih strank, ki kupujejo hitro hrano, temve\u010d iz gotovinskih pologov trgovca z drogami. Denar je zdaj na ban\u010dnem ra\u010dunu trgovca z drogami. Resda mora pla\u010dati davke, vendar je denar zdaj \u00bb\u010dist\u00ab in ga je mogo\u010de uporabiti za nadaljnje nalo\u017ebe ali potro\u0161ne dobrine.  \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-40b2e2b elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"40b2e2b\" 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-b07f76a elementor-widget elementor-widget-heading\" data-id=\"b07f76a\" 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\">Sum na pranje denarja \u2013 kaj moram storiti?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d12784 elementor-widget elementor-widget-heading\" data-id=\"9d12784\" 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\">Kdaj je smiselna prijava suma pranja denarja? Ali obstaja obveznost prijave? <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba157c8 elementor-widget elementor-widget-text-editor\" data-id=\"ba157c8\" 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\tDa, obstaja obveznost prijave.\n\nPrijava suma pranja denarja je lahko ustrezna pri:\n<ul>\n \t<li>poslih z veliko gotovine<\/li>\n \t<li>neobi\u010dajnem vzorcu transakcij<\/li>\n \t<li>prikrivanju identitete<\/li>\n \t<li>poslih, ki potekajo prek tretjih oseb<\/li>\n \t<li>poslovnih partnerjih s sede\u017eem v <a href=\"https:\/\/index.baselgovernance.org\/map\" target=\"_blank\" rel=\"noopener\">visoko tveganih dr\u017eavah<\/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-7179851 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"7179851\" 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-b535e03 e-con-full e-flex e-con e-child\" data-id=\"b535e03\" 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-996b268 elementor-widget elementor-widget-heading\" data-id=\"996b268\" 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\">Kje prijavim sum?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a56c33 elementor-widget elementor-widget-text-editor\" data-id=\"7a56c33\" 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>Carina za analizo prijav suma uporablja <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/Fachliche-Informationen\/Verdachtsmeldungen\/verdachtsmeldungen_node.html\" target=\"_blank\" rel=\"noopener\">Financial Intelligent Unit (FIU)<\/a>. Tukaj je mogo\u010de prijave suma enostavno oddati prek spleta v <a href=\"https:\/\/goaml.fiu.bund.de\/Home#\" target=\"_blank\" rel=\"noopener\">portalu goAML<\/a>. <\/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<div class=\"elementor-element elementor-element-38ec41a elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"38ec41a\" 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-313b910 elementor-widget elementor-widget-heading\" data-id=\"313b910\" 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\">Kateri organ preverja, nadzoruje in se bori proti pranju denarja?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45649a6 elementor-widget elementor-widget-text-editor\" data-id=\"45649a6\" 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>Zvezni organ za nadzor finan\u010dnih storitev <a href=\"https:\/\/www.bafin.de\/SharedDocs\/Veroeffentlichungen\/DE\/Fachartikel\/2021\/fa_bj_2103_GW_Allgemein.html\" target=\"_blank\" rel=\"noopener\">(BaFin)<\/a> je odgovoren za nadzor zavezancev po GwG, preventivnih sistemov in prijav suma. Finan\u010dne institucije se redno preverja, ali se vsi veljavni predpisi in zakoni pravilno izvajajo. Z nenehnim prilagajanjem predpisov BaFin zaostruje boj proti pranju denarja.  <\/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-0e63455 elementor-widget elementor-widget-heading\" data-id=\"0e63455\" 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 se zgodi po prijavi suma?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-565f80f elementor-widget elementor-widget-text-editor\" data-id=\"565f80f\" 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>Ko prijava suma prispe v <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Financial Intelligent Unit (FIU)<\/a>, ta primer analizira. \u010ce se dejansko poka\u017eejo nepravilnosti, se primer preda organom pregona. Tu se za\u010dne represivno ukrepanje policije in dr\u017eavnega to\u017eilstva.  <\/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-c6c1346 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"c6c1346\" 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-e6a55f5 elementor-widget elementor-widget-heading\" data-id=\"e6a55f5\" 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\">Zakonske ureditve proti pranju denarja \u2013 zakon o pranju denarja in ve\u010d<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3325f57 elementor-widget elementor-widget-text-editor\" data-id=\"3325f57\" 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\tZa boj proti pranju denarja obstajajo na mednarodni in nacionalni ravni razli\u010dne zakonske ureditve.\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-b5c264d elementor-widget elementor-widget-heading\" data-id=\"b5c264d\" 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\">Mednarodni zakoni in uredbe<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2703393 elementor-widget elementor-widget-text-editor\" data-id=\"2703393\" 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\tMednarodne organizacije, kot je Financial Action Task Force (FATF), so razvile mednarodne standarde in priporo\u010dila za boj proti pranju denarja. Ti standardi vklju\u010dujejo identifikacijo podro\u010dij tveganja, prijavljanje sumljivih transakcij in sodelovanje med dr\u017eavami. \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-bb30905 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"bb30905\" 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-5355b57 e-con-full e-flex e-con e-child\" data-id=\"5355b57\" 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-38a9d43 elementor-widget elementor-widget-heading\" data-id=\"38a9d43\" 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\">Zakon 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-a2e33a5 elementor-widget elementor-widget-text-editor\" data-id=\"a2e33a5\" 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 je pravni instrument, ki je bil razvit za zavezovanje finan\u010dnih institucij in podjetij k izvajanju strogih ukrepov za prepre\u010devanje in boj proti pranju denarja ter financiranju terorizma.<\/p><p>Ta zakon dolo\u010da celovite zahteve glede identifikacije in spremljanja strank, da se zagotovi, da se finan\u010dne transakcije ne zlorabljajo za nezakonite namene, ter zavezuje zadevne institucije k prijavljanju sumljivih transakcij pristojnim organom.<\/p><p>Zakon o prepre\u010devanju pranja denarja je del mednarodnih prizadevanj za zajezitev pranja denarja in je usmerjen v za\u0161\u010dito integritete finan\u010dnega sistema ter prepre\u010devanje financiranja kriminalnih dejavnosti. Kr\u0161itve tega zakona lahko povzro\u010dijo znatne kazenskopravne in finan\u010dne posledice. <\/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<div class=\"elementor-element elementor-element-7fdb647 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"7fdb647\" 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-7e0d8bf elementor-widget elementor-widget-heading\" data-id=\"7e0d8bf\" 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\">U\u010dinki 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-53f94c4 elementor-widget elementor-widget-text-editor\" data-id=\"53f94c4\" 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\tPranje denarja ima daljnose\u017ene gospodarske, socialne in politi\u010dne u\u010dinke.\n\nU\u010dinkov pranja denarja ni mogo\u010de podcenjevati. Segajo dale\u010d preko finan\u010dnega vidika in na razli\u010dne na\u010dine vplivajo na dru\u017ebo. \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-01bedb0 elementor-widget elementor-widget-heading\" data-id=\"01bedb0\" 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\">Gospodarske posledice 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-74e9240 elementor-widget elementor-widget-text-editor\" data-id=\"74e9240\" 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\tPranje denarja spodkopava integriteto finan\u010dnega sistema in slabi zaupanje v trg. Nezakonita infiltracija v zakonite gospodarske dejavnosti lahko izkrivlja cene in spodbuja korupcijo. To negativno vpliva na gospodarski razvoj in mednarodno sodelovanje.  \n\nGospodarske posledice pranja denarja so lahko pogubne. Ne le da izkrivljanje trga vpliva na cene, temve\u010d se postavlja pod vpra\u0161aj tudi verodostojnost finan\u010dnega sistema. Investitorji in podjetja oklevajo z vlaganji v dr\u017eave, kjer je pranje denarja raz\u0161irjeno, saj se bojijo, da njihova sredstva niso varna.  \n\nPoleg tega lahko pranje denarja vodi v poslab\u0161anje mednarodnega sodelovanja. \u010ce dr\u017eava velja za \u017eari\u0161\u010de pranja denarja, lahko druge dr\u017eave omejijo poslovne odnose ali jih celo povsem prekinejo. To lahko povzro\u010di upad obsega trgovine in gospodarske izgube.  \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-d88206c elementor-widget elementor-widget-heading\" data-id=\"d88206c\" 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\">Socialni in politi\u010dni u\u010dinki \u2013 zakaj pranje denarja \u0161koduje dru\u017ebi?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c74d5a1 elementor-widget elementor-widget-text-editor\" data-id=\"c74d5a1\" 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\tPranje denarja kriminalnim organizacijam omogo\u010da, da nadaljujejo svoje nezakonite dejavnosti, kar neposredno vpliva na varnost in stabilnost dru\u017ebe. Poleg tega lahko pranje denarja vpliva na politi\u010dni proces, saj financira kandidate in stranke ter kvari odlo\u010danje. \n\nSocialni u\u010dinki pranja denarja so raznoliki. Kriminalne organizacije, ki imajo koristi od pranja denarja, lahko svoje nezakonite dejavnosti \u0161e raz\u0161irijo in s tem ogrozijo varnost in stabilnost dru\u017ebe. To lahko vodi v porast kriminala, nasilja in negotovosti.  \n\nPrav tako lahko pranje denarja vpliva na politi\u010dni proces in spodkopava demokracijo. S financiranjem kandidatov in strank lahko pranje denarja kvari odlo\u010danje in manipulira politi\u010dno voljo prebivalstva. To lahko vodi v izgubo zaupanja v vlado in oslabitev demokrati\u010dnih institucij.  \n\nZato je klju\u010dnega pomena, da se pranje denarja u\u010dinkovito zajezi, da se zmanj\u0161ajo negativni u\u010dinki na gospodarstvo, dru\u017ebo in politiko. Z u\u010dinkovitim sodelovanjem na nacionalni in mednarodni ravni je mogo\u010de sprejeti ukrepe za prepre\u010devanje pranja denarja in ponovno vzpostaviti integriteto finan\u010dnega sistema. \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>Pranje denarja: proces, ki ga kriminalci uporabljajo, da nezakonito pridobljen denar ponovno vklju\u010dijo v gospodarski obtok.<\/p>\n","protected":false},"author":1,"featured_media":31269,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[821],"tags":[835,823],"class_list":["post-31268","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) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Pranje denarja: na to morate nujno biti pozorni - 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