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[{"key": "dc.contributor.advisor", "value": "Heimonen, Kari", "language": null, "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Corander, Beatrice", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2024-06-17T10:30:09Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2024-06-17T10:30:09Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2024", "language": null, "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/95967", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Rahanpesutoimintaa tapahtuu maailmanlaajuisesti laajassa mittakaavassa, mik\u00e4 lis\u00e4\u00e4 tarvetta arvioida nykyisten rahanpesun torjuntaj\u00e4rjestelmien tehokkuutta. T\u00e4m\u00e4n Pro Gradu -tutkielman tavoitteena on tarkastella Suomen rahanpesun ehk\u00e4isyn s\u00e4\u00e4ntelyn tehokkuutta ja mahdollisia parannuksia vaikutustenarviointiin. P\u00e4\u00e4tarkoituksena on selvitt\u00e4\u00e4, ovatko nykyiset rahanpesun vastaiset toimet kustannustehokkaita. Toisena Pro Gradu -tutkielman keskeisen\u00e4 aiheena on tutkia formalisoidun kustannus-hy\u00f6tyanalyysin implementointia Suomen rahanpesun est\u00e4misen hallitusesityksiss\u00e4. Kattavampaa katsausta varten k\u00e4ytimme ja analysoimme vertailevasti tietoja muista Pohjoismaista, mukaan lukien Ruotsista, Norjasta ja Tanskasta. \nPro Gradu -tutkielmassa tarkastellaan rahanpesun rikostaloustieteen teoreettista viitekehyst\u00e4, jotta voidaan osoittaa kuinka rahanpesun prosessimalli voisi ohjata jatkoty\u00f6t\u00e4 s\u00e4\u00e4d\u00f6sten ja lains\u00e4\u00e4d\u00e4nn\u00f6llisten vaikutusten arvioinnin parissa. Tarkastelemalla useita kustannus-hy\u00f6tyanalyysin k\u00e4ytt\u00f6\u00e4 koskevia ehdotuksia annamme lis\u00e4ohjeita vaikutustenarvioinnin mukauttamiseen tiettyyn lains\u00e4\u00e4d\u00e4nt\u00f6\u00f6n. \nAiemmin mainituista maista per\u00e4isin olevien ep\u00e4ilytt\u00e4vien ilmoitusten, rahanpesuun liittyvien tuomioiden ja takavarikoitujen ja j\u00e4\u00e4dytettyjen varojen analysointi osoittaa, ett\u00e4 ep\u00e4ilytt\u00e4vien ilmoitusten esiintymistiheydess\u00e4 on tapahtunut selke\u00e4 muutos ajan my\u00f6t\u00e4. Tulokset osoittavat t\u00e4m\u00e4n lis\u00e4ksi, ett\u00e4 suomalaisten ep\u00e4ilytt\u00e4vi\u00e4 ilmoituksia on huomattavasti enemm\u00e4n kuin muissa vertailumaissa, kun taas tuomioihin johtava osuus ep\u00e4ilytt\u00e4vist\u00e4 ilmoituksista on Suomessa jatkuvasti pienempi. \nEsitetty vaikutustenarvioinnin viitekehys esitt\u00e4\u00e4 kustannus-hy\u00f6tyanalyysin mahdollisia tulevaisuuden k\u00e4ytt\u00f6tapoja Suomen rahanpesun est\u00e4misen hallitusehdotuksissa. Keskustelemme my\u00f6s kustannus-hy\u00f6tyanalyysin roolista t\u00e4rke\u00e4n\u00e4 lis\u00e4yksen\u00e4 olemassa oleviin lains\u00e4\u00e4d\u00e4nt\u00f6ty\u00f6n vaikutustenarviointimenettelyihin. N\u00e4in ollen odotamme, ett\u00e4 t\u00e4ss\u00e4 Pro Gradu -tutkielmassa esitetyist\u00e4 tutkimustuloksista voi olla hy\u00f6ty\u00e4 Valtiovarainministeri\u00f6n rahanpesun ja terrorismin rahoituksen est\u00e4misenyksik\u00f6lle, toiminnan arvioinnissa ja vaikutusarvioinnin parantamisessa.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Money laundering activities are known to take place globally are on a very large scale, which increases the need for assessing the effectiveness of existing anti- money laundering systems. The thesis aims to examine the effectiveness of Finnish anti-money laundering regulation and possible improvements to impact assessment. The main purpose is to find out whether the current anti-money laundering actions are cost-effective. Research on the possible use of formalized cost-benefit analysis for Finnish anti-money laundering governmental proposals is another main aspect of the thesis. For a more comprehensive review, we also accessed and analysed data in a comparative manner from other Nordic countries, including Sweden, Norway, and Denmark.\nThe thesis reviews the theoretical framework for criminal economics of money laundering in order to show how the money laundering process model could guide further work on regulative and legislative impact assessment. Further by reviewing several proposals to the use of cost-benefit analysis, we provide further guidance on how to adapt impact assessment to a particular legislative context. Our analysis of data about suspicious reports, sentences related to money laundering, and assets seized and frozen, from the earlier mentioned countries, shows that there has been a clear change in the frequency of the suspicious reports over time. The results further indicate that the number of Finnish suspicious reports is considerably higher than in the other compared countries, while the turnover rate of suspicious reports to sentences is consistently smaller in Finland. The presented impact assessment framework shows possible future use cases of the cost-benefit analysis for Finnish anti-money laundering governmental proposals. We also discuss the role of a cost-benefit analysis as an important addition to the existing procedures for impact assessments of legislative work. We thus anticipate that the research presented in this thesis can be useful for the Finnish Finance Ministry\u2019s unit for prevention of money laundering and terrorism financing, for future reviews on their actions and improving their impact assessment.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by jyx lomake-julkaisija (jyx-julkaisija.group@korppi.jyu.fi) on 2024-06-17T10:30:09Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2024-06-17T10:30:09Z (GMT). No. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "90", "language": null, "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "eng", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "CC BY 4.0", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.title", "value": "Finnish anti-money laundering regulation effectiveness and impact assessment", "language": null, "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-202406174733", "language": null, "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4 University School of Business and Economics", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4n yliopiston kauppakorkeakoulu", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Master's Degree Programme in Banking and International Finance", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Master's Degree Programme in Banking and International Finance", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.copyright", "value": "\u00a9 The Author(s)", "language": null, "element": "rights", "qualifier": "copyright", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://creativecommons.org/licenses/by/4.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}]
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