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Title:Razkritje bančnih podatkov organom pregona in javnosti : magistrsko delo
Authors:Rosa, Katarina (Author)
Zgaga, Sabina (Mentor) More about this mentor... New window
Files:.pdf MAG_Rosa_Katarina_2014.pdf (671,68 KB)
 
Language:Slovenian
Work type:Master's thesis/paper (mb22)
Typology:2.09 - Master's Thesis
Organization:FVV - Faculty of Criminal Justice and Security
Abstract:Naloga z naslovom Razkritje bančnih podatkov organom pregona in javnosti v začetku zajema predstavitev bistvenih pojmov in institucij, ki imajo pomembno vlogo pri razkritju bančnih podatkov javnosti in organom pregona. Predstavljena je torej institucija banke, ki je pravna oseba s številnimi nalogami, njena glavna naloga pa je servisiranje prebivalstva in pravnih oseb. Banka posluje s prebivalstvom in gospodarskimi subjekti (komitenti) in pri tem pridobiva številne podatke o svojih komitentih, predvsem osebne podatke, ter podatke o njihovem premoženju in njihovih pravicah. Ti podatki so bančni tajni podatki in niso javni podatki. Pri razkritju bančnih podatkov imajo zelo pomembno vlogo razne institucije, med njimi tudi Informacijski pooblaščenec, ki ima dvojno vlogo: varstvo osebnih podatkov in zagotavljanje dostopa do javnih podatkov. Pomembno vlogo ima tudi Banka Slovenije, ki skrbi za likvidnost univerzalnih bank ter hrani in ima dostop do vseh bančnih podatkov, ki so bistveni za likvidnost posamezne banke in celotnega bančnega sistema. V zadnjem letu pa ima pri razkrivanju bančnih podatkov pomembno vlogo tudi Parlamentarna komisija o ugotavljanju zlorab v slovenskem bančnem sistemu, ki je nastala na pobudo poslancev državnega zbora z namenom ugotovitve, zakaj je prišlo do finančne krize. V tem okviru se od Banke Slovenije zahteva, da predloži oziroma razkrije vse potrebne podatke. Bančni podatki se lahko razkrijejo samo na podlagi pisnega dovoljenja osebe na katero se podatki nanašajo in na podlagi zakona, ki določa, da se morajo bančni podatki razkriti v predkazenskem in kazenskem postopku. V tretjem delu naloge se bomo osredotočili na razkritje bančnih podatkov v predkazenskem postopku, zato bomo podrobneje obravnavali slovensko in mednarodno pravno ureditev bančnih podatkov v kazenskem postopku. Pri pregledu pravnih podlag, se bomo osredotočili izključno na določbe, ki govorijo o bančnih podatkih in njihovem razkritju. V nadaljevanju je predstavljeno področje gospodarske kriminalitete in kriminalitete v bankah, z navedbo različnih zlorab ter opredelitvijo in odgovornostjo pravnih oseb pri zlorabah. Rezultati stresnih testov, ki so bili opravljeni v letu 2013 v slovenskih bankah, nam upravičeno povejo, da obstaja sum, da so vodilni v bankah v preteklih zadnjih 20-tih letih ravnali v nasprotju s kreditno in bančno politiko. Gre za sum storitve kaznivega dejanja zlorabe položaja ali zaupanja pri gospodarski dejavnosti po 240. členu Kazenskega zakonika-1(2012) s strani upravnih in nadzornih organov banke. V zadnjem delu naloge je opredeljen predkazenski postopek, kadar se sumi, da je bilo storjeno kaznivo dejanje zlorabe položaja ali pravic in premoženjskega okoriščanja vodilnih v banki, s poudarkom na bančnih podatkih in njihovem razkrivanju, saj so le-ti ključni pri preiskovanju kaznivega dejanja. Opisali bomo tudi odgovornost, naloge in pooblastila vseh udeležencev predkazenskega postopka. V zaključku naloge so podani sklepi glede bančne tajnosti in preiskovanja kaznivih dejanj v slovenskem pravu in v mednarodnem pravu. Bančna tajnost v slovenskem pravu nima bistvenega pomena, predvsem zato, ker se morajo organi pregona in finančne ustanove ravnati po evropskem in mednarodnem pravnem redu, ki strmi, k odpravi bančne tajnosti, predvsem zaradi potrebe davčnih postopkov in zaradi preiskovanja kaznivih dejanj.
Keywords:banke, bančni podatki, zaupni podatki, varstvo podatkov, informacije javnega značaja, razkritje, pravna podlaga, gospodarska kriminaliteta, preiskovanje, magistrska dela
Year of publishing:2014
Year of performance:2014
Place of performance:[Ljubljana
Publisher:K. Rosa]
Number of pages:126 str.
Source:[Ljubljana
UDC:343:336.71(043.2)
COBISS_ID:2881514 Link is opened in a new window
NUK URN:URN:SI:UM:DK:1H058M3Z
Views:926
Downloads:435
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Categories:FVV
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Secondary language

Language:English
Abstract:At the beginning of thesis title The disclosure of banking data to law enforcement and public includes presentation of main terms and institutions. These have important role in disclosure of banking data to the public and law enforcement. Here is presented bank as institution which is law character with numerous tasks. Main task is maintenance check of population and law characters. Bank business with population, economic operators (customers) and gains numerous data about their customers-mostly personal data, data about customer`s property and rights. These data are secret. Various institutions have important role in disclosure of banking data. One of these is also Information commissioner which has which has a dual role: the protection of personal information and providing access to public information. Bank of Slovenia has an important role in liquidity of universal banks and stores all the banking data which are available to it. These data are important for liquidity of individual bank and whole banking system. In last year also The Parliamentary Commission on the identification of abuse in the Slovenian banking system has important role in disclosure of banking data. Members of national assembly took the initiative to create this commission to determine why financial crisis have been caused. This commission requires that Bank of Slovenia disclosures all the needed banking data. Banking data could be disclosure only by written permission of a person whose these data are and on the basis of the law, which states that a bank must be disclosed in pre-trial and criminal proceedings. In the third part of this thesis we will focus on disclosure of banking date in pre-trial proceedings, we will discuss in more detail the Slovenian and international regulation of banking data in criminal proceedings. In the review of the legal bases we will focus only on provisions about banking data and their disclosure. In continuation, field of economic criminality and criminality in banks is presented with an indication of the various abuse, the definition and the liability of legal persons for abuses. The results of the stress tests, which were carried out in 2013 in Slovenian banks, we rightly say that there is a suspicion that the leading banks in the past 20 years has acted contrary to the credit and banking policy. So there is a suspicion of a criminal offense of abuse of position of trust in economic activity as regulated by the criminal law in article 240 by the management of the bank. In the final part the pre-trial proceeding is defined when there is suspicion about criminal act, position abuse or abuse of rights and property benefits by the leaders of banks. The emphasis is on banking data, their disclosure which are needed in investigation of criminal act and description of responsibility, tasks and license of all participants in the pre-trial proceeding. In the conclusion, decisions about banking secrecy in Slovenian and international law and decisions about criminality in banks. In a Slovenian law banking secrecy has not essential, especially because, law enforcement and financial institutions should follow the European and the international legal order, staring, for the abolition of banking secrecy, primarily due to the need of tax procedures and investigation of criminal act.


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