{"id":31358,"date":"2026-08-08T16:28:53","date_gmt":"2026-08-08T14:28:53","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/analiza-tveganja-v-skladu-z-gwg-tako-se-izognete-napakam\/"},"modified":"2026-10-27T20:31:08","modified_gmt":"2026-10-27T19:31:08","slug":"analiza-tveganja-v-skladu-z-gwg-tako-se-izognete-napakam","status":"publish","type":"post","link":"https:\/\/nect.com\/sl\/media\/blog\/analiza-tveganja-v-skladu-z-gwg-tako-se-izognete-napakam\/","title":{"rendered":"Analiza tveganja v skladu z GwG: tako se izognete napakam!"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31358\" class=\"elementor elementor-31358 elementor-30284\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd8ed7b e-flex e-con-boxed e-con e-parent\" data-id=\"dd8ed7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87cd6d8 elementor-widget elementor-widget-text-editor\" data-id=\"87cd6d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Analiza tveganja v skladu z GwG (Zakonom o prepre\u010devanju pranja denarja) igra klju\u010dno vlogo pri prepre\u010devanju napak in zagotavljanju u\u010dinkovitega izvajanja skladnosti s predpisi o prepre\u010devanju pranja denarja.  <\/p><p>Ta \u010dlanek se v glavnem nana\u0161a na \u201enefinan\u010dni\u201c sektor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef40658 e-con-full e-flex e-con e-child\" data-id=\"ef40658\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c0d848 elementor-widget elementor-widget-heading\" data-id=\"0c0d848\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">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-5ef11aa elementor-widget elementor-widget-text-editor\" data-id=\"5ef11aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Pomen analize tveganja v skladu z GwG: Analiza tveganja je osrednji vidik<a href=\"https:\/\/nect.com\/sl\/media\/blog\/zakon-o-preprecevanju-pranja-denarja-kaj-morajo-vedeti-podjetja\/\" target=\"_blank\" rel=\"noopener\"> Zakona o prepre\u010devanju pranja denarja<\/a> (GwG), ki s pristopom, ki temelji na tveganju, podpira prepre\u010devanje in zatiranje <a href=\"https:\/\/nect.com\/sl\/media\/blog\/pranje-denarja-na-to-morate-nujno-biti-pozorni\/\" target=\"_blank\" rel=\"noopener\">pranja denarja<\/a> ter financiranja terorizma. Zahteva, da podjetja vzpostavijo u\u010dinkovito upravljanje tveganj, ki upo\u0161teva poslovne dejavnosti in z njimi povezana tveganja, ter prilagodijo notranje varnostne ukrepe lastni analizi tveganja in nacionalnim analizam tveganja. <\/li><li>Izvedba in prilagoditev analize tveganja: Analiza tveganja mora biti individualno prilagojena vrsti in obsegu poslovnih dejavnosti podjetja. Pri tem je treba upo\u0161tevati zakonsko dolo\u010dene dejavnike tveganja ter spoznanja iz nacionalne analize tveganja, da se omogo\u010di celovita ocena in obvladovanje morebitnih tveganj. <\/li><li>Koraki izvajanja in nadzor analize tveganja: Izvajanje analize tveganja poteka v ve\u010d korakih, ki se za\u010dnejo s popisom stanja in prepoznavanjem tveganj, \u010demur sledita razvrstitev in ute\u017eitev tveganj. Na koncu je treba na podlagi te analize uvesti notranje varnostne ukrepe in jih redno preverjati, da se zagotovi dinami\u010den in neprekinjen nadzor nad poslovnimi razmerji. <\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c03a384 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"c03a384\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\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__c03a384\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__c03a384\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__c03a384\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8800667 e-con-full e-flex e-con e-child\" data-id=\"8800667\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecdc2ea elementor-widget elementor-widget-spacer\" data-id=\"ecdc2ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c4488d elementor-widget elementor-widget-heading\" data-id=\"1c4488d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Zakaj je analiza tveganja pomembna?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2c0323 elementor-widget elementor-widget-text-editor\" data-id=\"a2c0323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tV skladu s \u00a7 3a odst. 1 GwG prepre\u010devanje in zatiranje pranja denarja ter financiranja terorizma temelji na pristopu, ki temelji na tveganju. Zavezanci morajo v skladu s \u00a7 4 GwG vzpostaviti u\u010dinkovito upravljanje tveganj, ki vklju\u010duje analizo tveganja (\u00a7 5 GwG) in notranje varnostne ukrepe (\u00a7 6 GwG). U\u010dinkovito upravljanje tveganj upo\u0161teva vse poslovne dejavnosti in iz njih izhajajo\u010da tveganja. Ustreznost notranjih varnostnih ukrepov se dolo\u010da na podlagi lastne analize tveganja in rezultatov nacionalne analize tveganja. Poleg tega mora upravljanje tveganj v skladu s \u00a7 4 odst. 1 GwG upo\u0161tevati vrsto in obseg poslovnih dejavnosti.      \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62a2119 elementor-widget elementor-widget-spacer\" data-id=\"62a2119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bb9da2 elementor-widget elementor-widget-heading\" data-id=\"2bb9da2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kak\u0161na je pravna podlaga za analizo tveganja?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5b26e0 elementor-widget elementor-widget-text-editor\" data-id=\"d5b26e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDa bi se izognili napakam pri analizi tveganja v skladu z GwG, je pomembno razumeti definicijo in pomen analize tveganja. Analiza tveganja je proces, pri katerem se prepoznajo, ocenijo in obvladujejo morebitni dejavniki tveganja, da se zagotovi skladnost s predpisi o prepre\u010devanju pranja denarja. \n\nAnaliza tveganja mora biti ustrezno pripravljena glede na vrsto in obseg poslovnih dejavnosti (\u00a7 4 odst. 1 GwG). Pri tem je treba v skladu s \u00a7 5 odst. 1 GwG upo\u0161tevati dejavnike tveganja iz prilog 1 in 2 ter spoznanja nacionalne analize tveganja. Te priloge ponujajo primere potencialno tveganje pove\u010dujo\u010dih ali tveganje zmanj\u0161ujo\u010dih dejavnikov. Skupno tveganje ne dolo\u010da prisotnost posameznih dejavnikov, temve\u010d celovita obravnava vseh relevantnih tveganj.    \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07a8152 elementor-widget elementor-widget-spacer\" data-id=\"07a8152\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b11817 elementor-widget elementor-widget-heading\" data-id=\"3b11817\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Izvajanje analize tveganja: korak za korakom<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2033b76 elementor-widget elementor-widget-heading\" data-id=\"2033b76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Korak 1: Popis stanja<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8ff6f9 elementor-widget elementor-widget-text-editor\" data-id=\"f8ff6f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Primeroma smo navedli nekaj dejavnikov tveganja za potencialno nizko tveganje (<a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/anlage_1.html\" target=\"_blank\" rel=\"noopener\">priloga 1<\/a>) in vi\u0161je tveganje (<a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/anlage_2.html\" target=\"_blank\" rel=\"noopener\">priloga 2<\/a>). V nadaljevanju najdete povzetek tveganj za nekatere panoge v skladu z <a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/Downloads\/Broschueren_Bestellservice\/2019-10-19-erste-nationale-risikoanalyse_2018-2019.pdf?__blob=publicationFile&#038;v=1\" target=\"_blank\" rel=\"noopener\">nacionalno analizo tveganja<\/a>: <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-471287c elementor-widget elementor-widget-heading\" data-id=\"471287c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Korak 2: Prepoznavanje tveganj<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7297bd elementor-widget elementor-widget-heading\" data-id=\"a7297bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Dejavniki za potencialno nizko tveganje<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96bec20 elementor-widget elementor-widget-text-editor\" data-id=\"96bec20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Tveganje stranke<\/strong><ul><li>Javna podjetja, ki kotirajo na borzi in za katera veljajo obveznosti razkritja (na podlagi borznih pravil ali zakonov), ki zagotavljajo ustrezno preglednost dejanskega lastni\u0161tva.<\/li><li>Javne uprave ali podjetja.<\/li><li>Stranke s prebivali\u0161\u010dem na geografskih obmo\u010djih z ni\u017ejim tveganjem.<\/li><\/ul><\/li><li><strong>Tveganje v zvezi s produktom, storitvijo, transakcijo ali distribucijskim kanalom<\/strong><ul><li>Police \u017eivljenjskega zavarovanja z nizko premijo.<\/li><li>Police pokojninskega zavarovanja brez klavzule o odkupu ali mo\u017enosti, da slu\u017eijo kot zavarovanje za posojila.<\/li><li>Pokojninski sistemi in pokojninski na\u010drti, pri katerih se prispevki odtegujejo od pla\u010de in ne dopu\u0161\u010dajo prenosa pravic.<\/li><li>Finan\u010dni produkti ali storitve, usmerjeni v \u201efinancial inclusion\u201c.<\/li><li>Produkti, pri katerih se tveganja obvladujejo z omejitvami ali preglednostjo (npr. dolo\u010dene vrste elektronskega denarja).<\/li><\/ul><\/li><li><strong>Geografsko tveganje<\/strong><ul><li>Dr\u017eave \u010dlanice.<\/li><li>Tretje dr\u017eave z u\u010dinkovitimi sistemi za prepre\u010devanje, odkrivanje in zatiranje pranja denarja ter financiranja terorizma.<\/li><li>Tretje dr\u017eave z nizko stopnjo korupcije in drugih kaznivih dejanj.<\/li><li>Tretje dr\u017eave, ki u\u010dinkovito izvajajo priporo\u010dila FATF.<\/li><\/ul><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4950f6b elementor-widget elementor-widget-heading\" data-id=\"4950f6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Dejavniki za potencialno vi\u0161je tveganje<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e6100 elementor-widget elementor-widget-text-editor\" data-id=\"76e6100\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Visoko tveganje pranja denarja:<\/strong> Notarji so tipi\u010dno vklju\u010deni v nepremi\u010dninske posle, kar predstavlja pove\u010dano tveganje pranja denarja. Njihova vloga pri ustanavljanju podjetij prav tako vsebuje tveganja. <\/li><li><strong>Vloga javnega uslu\u017ebenca:<\/strong> Notarji kot javni uslu\u017ebenci delujejo javnopravno pri vseh svojih dejavnostih, kar zahteva posebno skrbnost in odgovornost.<\/li><li><strong>Napetost med zakonom in poklicnim redom:<\/strong> Notarji morajo upo\u0161tevati tako zvezni notarski red kot Zakon o prepre\u010devanju pranja denarja, kar lahko privede do konfliktov.<\/li><li><strong>Nadzor s strani predsednikov de\u017eelnih sodi\u0161\u010d:<\/strong> Nadzor nad notarji ne izvaja zbornica, temve\u010d predsedniki posameznih de\u017eelnih sodi\u0161\u010d.<\/li><li><strong>Posebna pozornost fiduciarnim in skrbni\u0161kim ra\u010dunom:<\/strong> Ti ra\u010duni so dovzetni za pranje denarja, zlasti v povezavi z gotovinskimi in tujimi pla\u010dili.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9a13e5 elementor-widget elementor-widget-heading\" data-id=\"f9a13e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Dejavniki tveganja GwG: revizorji<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ab9c57 elementor-widget elementor-widget-text-editor\" data-id=\"4ab9c57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Srednje tveganje pranja denarja:<\/strong> Revizorji imajo globok vpogled v finance in strukture podjetij, kar predstavlja potencialno tveganje za dejavnosti pranja denarja.<\/li><li><strong>Poznavanje dejanskega lastnika:<\/strong> Njihova sposobnost prepoznati dejanskega ekonomskega upravi\u010denca podjetja je tako prednost kot vir tveganja.<\/li><li><strong>Nadzor s strani zbornice revizorjev:<\/strong> Specifi\u010dna zbornica za revizorje ima pomembno vlogo pri nadzoru in kontroli svojih \u010dlanov.<\/li><li><strong>Tveganje zaradi slamnatih konstrukcij:<\/strong> Zlasti na podro\u010dju nepremi\u010dnin morajo revizorji biti pozorni na tveganje, ki ga predstavljajo tak\u0161ne konstrukcije.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a5fcca elementor-widget elementor-widget-heading\" data-id=\"1a5fcca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Dejavniki tveganja GwG: odvetniki<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71ce3a4 elementor-widget elementor-widget-text-editor\" data-id=\"71ce3a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Visoko tveganje pranja denarja zaradi fiduciarnih ra\u010dunov:<\/strong> Odvetniki pogosto upravljajo fiduciarne ra\u010dune, ki se lahko zlorabijo za pranje denarja.<\/li><li><strong>Nadzorna funkcija regionalnih zbornic:<\/strong> Poleg zastopanja interesov te zbornice prevzemajo tudi nadzor nad prepre\u010devanjem pranja denarja.<\/li><li><strong>Tveganje zaradi mednarodnih in gotovinskih pla\u010dil:<\/strong> Transakcije, izvedene v gotovini ali iz tveganih dr\u017eav, zahtevajo pove\u010dano pozornost.<\/li><li><strong>Vklju\u010denost v nepremi\u010dninske posle in ustanavljanje podjetij:<\/strong> Ta podro\u010dja so \u0161e posebej dovzetna za pranje denarja.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23906db elementor-widget elementor-widget-heading\" data-id=\"23906db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Dejavniki tveganja GwG: dav\u010dni svetovalci<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d6b1e8 elementor-widget elementor-widget-text-editor\" data-id=\"9d6b1e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Srednje tveganje pranja denarja:<\/strong> Podobno kot revizorji imajo tudi dav\u010dni svetovalci podroben vpogled v finance podjetij, kar se lahko zlorabi.<\/li><li><strong>Prepoznavanje notranjih nepravilnosti v podjetju:<\/strong> Njihova vloga jim omogo\u010da, da prepoznajo nepravilnosti, ki bi lahko kazale na pranje denarja.<\/li><li><strong>Nadzorna funkcija poklicnih zbornic:<\/strong> Tudi dav\u010dni svetovalci so predmet strogega nadzora in regulacije s strani svojih zbornic.<\/li><li><strong>Pomen strokovnega izpopolnjevanja:<\/strong> Nenehno izobra\u017eevanje je potrebno, da se sledi spreminjajo\u010dim se zakonom in predpisom<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35fc5be elementor-widget elementor-widget-heading\" data-id=\"35fc5be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Dejavniki tveganja GwG: nepremi\u010dninski sektor<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22c62e4 elementor-widget elementor-widget-text-editor\" data-id=\"22c62e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Visok gospodarski pomen:<\/strong> Nepremi\u010dnine so zaradi visokih obsegov transakcij in stabilnosti vrednosti privla\u010dne nalo\u017ebe.<\/li><li><strong>Prikrivanje izvora sredstev:<\/strong> Zaradi kompleksnosti in pravnih mo\u017enosti oblikovanja nepremi\u010dninskih transakcij se lahko prikrije izvor sredstev.<\/li><li><strong>Anonimnost pri posredovanih prodajah dele\u017eev (share deals):<\/strong> Nakup nepremi\u010dnin prek prodaje dele\u017eev omogo\u010da prikrivanje identitete lastnika za podjetni\u0161kimi konstrukcijami, s \u010dimer se ohranja anonimnost.<\/li><li><strong>Visoka preglednost, a tveganja pri dejanskem lastni\u0161tvu:<\/strong> Kljub lastni\u0161kim razmerjem, zabele\u017eenim v zemlji\u0161ki knjigi, je lahko dodeljevanje premo\u017eenja ote\u017eeno, kadar se dejansko lastni\u0161tvo in formalno lastni\u0161tvo razhajata.<br\/>Tveganje kompleksnih<\/li><li><strong>Podjetni\u0161kih struktur:<\/strong> Razvejane mre\u017ee podjetij in uporaba fiduciarnih konstrukcij pove\u010dujejo tveganje pranja denarja.<\/li><li><strong>Mehanizmi izogibanja:<\/strong> Reformirani zakoni bi lahko privedli do prehoda z nakupa na najem luksuznih nepremi\u010dnin z namenom pranja denarja.<\/li><li><strong>Nara\u0161\u010dajo\u010d pomen posrednikov za najem:<\/strong> Z novo ureditvijo v okviru direktive o prepre\u010devanju pranja denarja postaja vloga posrednikov za najem pri visokih najemninah pomembnej\u0161a.<\/li><li><strong>Uporaba dra\u017eb:<\/strong> Prisilne dra\u017ebe se vse pogosteje uporabljajo za nakup nepremi\u010dnin s sumljivimi sredstvi.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53e5e1e elementor-widget elementor-widget-spacer\" data-id=\"53e5e1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a635ace e-con-full e-flex e-con e-child\" data-id=\"a635ace\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f791500 elementor-widget elementor-widget-heading\" data-id=\"f791500\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Kako 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-076bee1 elementor-widget elementor-widget-text-editor\" data-id=\"076bee1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPospe\u0161ite svoje postopke skladnosti brez napora in pravno varno: odkrijte Nect, preverjeno 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 priro\u010dnih re\u0161itev za svoje stranke \u2013 izkoristite preverjeno izbiro mnogih uglednih 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-0d67a95 elementor-widget elementor-widget-image\" data-id=\"0d67a95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"520\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg\" class=\"attachment-large size-large wp-image-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-d76f3d6 elementor-widget elementor-widget-button\" data-id=\"d76f3d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjgyNjcsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Dogovorite 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-988cd2b elementor-widget elementor-widget-spacer\" data-id=\"988cd2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e41883 elementor-widget elementor-widget-heading\" data-id=\"0e41883\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Korak 3: Razvr\u0161\u010danje v skupine tveganja<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa5cb69 elementor-widget elementor-widget-text-editor\" data-id=\"fa5cb69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tveganja je treba razvrstiti v skupine tveganja in oceniti glede na njihov pomen. Ta ocena se obi\u010dajno izvaja v treh stopnjah: <b>visoko, srednje in nizko<\/b>. <\/p><p>Vendar je to razvrstitev mogo\u010de prilagoditi, bodisi z dodajanjem ve\u010d kategorij bodisi z zmanj\u0161anjem njihovega \u0161tevila. Na primer, kategorija \u201evisoko\u201c zajema primere tveganja, ki ustrezajo zakonsko dolo\u010denim visokotveganim razredom ali so na podlagi lastne presoje opredeljeni kot visoki. \u201eSrednje\u201c se nana\u0161a na primere, ki niso razvr\u0161\u010deni ne kot visoki ne kot nizki, \u201enizko\u201c pa na situacije z dokazano nizkim tveganjem.  <\/p><p>Za oceno tveganja je mogo\u010de uporabiti razli\u010dne metode, vklju\u010dno s sistemi s spremenljivo ali fiksno ute\u017eitvijo dejavnikov tveganja. Poleg tega je mogo\u010de dolo\u010diti avtomatska merila za razvr\u0161\u010danje strank ali varnostne ukrepe. Odstopanja je treba dokumentirati, pri \u010demer je treba upo\u0161tevati tudi rezultate nacionalnih analiz pranja denarja in financiranja terorizma.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1602942 elementor-widget elementor-widget-heading\" data-id=\"1602942\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Korak 4: Notranji varnostni ukrepi<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a6dd3f elementor-widget elementor-widget-text-editor\" data-id=\"3a6dd3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Rezultati prepoznavanja, razvr\u0161\u010danja in ute\u017eitve tveganj je treba izvesti v okviru posameznih notranjih varnostnih ukrepov, pri \u010demer morajo ti na\u010deloma izhajati iz rezultatov analize tveganja oziroma jim ustrezati.<\/p><p>Tako kot pri upravljanju tveganj na splo\u0161no je tudi pri izvajanju posameznih preventivnih ukrepov v vsakem posameznem primeru treba ravnati toliko skrbneje, kolikor vi\u0161ji je potencial tveganja.<\/p><p>Sprejete notranje varnostne ukrepe je treba pregledovati in nadalje razvijati ob upo\u0161tevanju rezultatov analize tveganja.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c635f0f elementor-widget elementor-widget-heading\" data-id=\"c635f0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Korak 5: Redni nadzor<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-242d9b5 elementor-widget elementor-widget-text-editor\" data-id=\"242d9b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>V skladu z obrazlo\u017eitvijo zakona k \u00a7 10 odst. 1 \u0161t. 5 GwG mora potekati neprekinjen dinami\u010den nadzor poslovnega razmerja, vklju\u010dno s transakcijami, ki se izvajajo v njegovem okviru, pri \u010demer je treba v tej zvezi primerjati profile strank z njihovim dejanskim transakcijskim vedenjem. <\/p><p>Dinami\u010dni nadzor pomeni ustrezno upo\u0161tevanje spoznanj, pridobljenih med potekom poslovnega razmerja. Namen neprekinjenega nadzora je ugotoviti, ali teko\u010de poslovno razmerje pri izvajanju posameznih transakcij ka\u017ee konkretne nepravilnosti ali relevantna odstopanja od dosedanjega vedenja stranke. <\/p><p>Indikatorje je treba opredeliti individualno za vsako podjetje. Pri tem je treba upo\u0161tevati rezultate analize tveganja. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Analiza tveganja v skladu z GwG (Zakonom o prepre\u010devanju pranja denarja) igra klju\u010dno vlogo pri prepre\u010devanju napak in zagotavljanju u\u010dinkovitega izvajanja skladnosti s predpisi o prepre\u010devanju pranja denarja. Ta \u010dlanek se v glavnem nana\u0161a na \u201enefinan\u010dni\u201c sektor. <\/p>\n","protected":false},"author":3,"featured_media":31359,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[821],"tags":[823,822],"class_list":["post-31358","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-regulativa","tag-skladnost"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Analiza tveganja v skladu z GwG: tako se izognete napakam! - Nect<\/title>\n<meta name=\"description\" content=\"Analiza tveganja v skladu z GwG igra klju\u010dno vlogo pri prepre\u010devanju napak in zagotavljanju u\u010dinkovitega izvajanja skladnosti s predpisi o prepre\u010devanju pranja denarja. 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