{"id":38531,"date":"2024-08-02T12:39:34","date_gmt":"2024-08-02T09:39:34","guid":{"rendered":"https:\/\/www.cobalt.legal\/?p=38531"},"modified":"2024-08-02T12:40:21","modified_gmt":"2024-08-02T09:40:21","slug":"deriskesana-ka-ietekme-banku-klientus","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lv\/news-cases\/deriskesana-ka-ietekme-banku-klientus\/","title":{"rendered":"Derisk\u0113\u0161ana \u2013 k\u0101 ietekm\u0113 banku klientus?"},"content":{"rendered":"<p><strong>Derisk\u0113\u0161ana jeb\u00a0<em>de-risking<\/em>\u00a0ir par\u0101d\u012bba, kad finan\u0161u tirgus dal\u012bbnieki p\u0101rtrauc vai ierobe\u017eo dar\u012bjuma attiec\u012bbas ar klientiem vai noteikt\u0101m klientu kategorij\u0101m, lai izvair\u012btos no riska uz\u0146em\u0161an\u0101s, nevis, lai risku atbilsto\u0161i p\u0101rvald\u012btu. \u0160is nav tikai Latvijas fenomens\u00a0\u2013 probl\u0113ma identific\u0113ta ar\u012b starptautisk\u0101 un re\u0123ion\u0101l\u0101 l\u012bmen\u012b.<\/strong><\/p>\n<p><em>Raksta l\u012bdzautore: Laima Leti\u0146a, Latvijas Republikas Uz\u0146\u0113mumu re\u0123istrs, galven\u0101 valsts not\u0101re, CAMS, CGSS, bijus\u012b Finan\u0161u nozares asoci\u0101cijas padomniece.<\/em><\/p>\n<p>\u0160obr\u012bd v\u0113l nav izveidojusies kvalitat\u012bva metodolo\u0123ija, kas \u013cautu pietiekami prec\u012bzi izm\u0113r\u012bt derisk\u0113\u0161anas past\u0101v\u0113\u0161anu vai t\u0101s ietekmi, tom\u0113r ir identific\u0113ta virkne c\u0113lo\u0146u, kas rada attiec\u012bg\u0101s sekas. Tiek mekl\u0113ti meh\u0101nismi, gan k\u0101 mazin\u0101t sekas, gan k\u0101 p\u0101rskat\u012bt derisk\u0113\u0161anas veidojo\u0161os apst\u0101k\u013cus.<\/p>\n<p>K\u0101d\u0101s situ\u0101cij\u0101s saskat\u0101mas derisk\u0113\u0161anas paz\u012bmes?<\/p>\n<p><strong>Piem\u0113rs<\/strong><\/p>\n<p><em>Finan\u0161u iest\u0101de izsniedz aizdevumus tikai viet\u0113jiem klientiem, kuru vid\u016b var b\u016bt ar\u012b politiski noz\u012bm\u012bgas personas (ministri, deput\u0101ti, augsta l\u012bme\u0146a ier\u0113d\u0146i) vai to radinieki. Saska\u0146\u0101 ar likumu vi\u0146u izp\u0113tei un uzraudz\u012bbai j\u0101veic papildu pas\u0101kumi, kas p\u0113c finan\u0161u iest\u0101des apr\u0113\u0137iniem neatmaks\u0101jas, sniedzot nelielus ikdienas aizdevumus. T\u0101d\u0113\u013c \u0161\u0101di klienti nav v\u0113lami bank\u0101m. \u0160\u0101ds derisk\u0113\u0161ana<\/em>\u00a0<em>b\u016btu uzskat\u0101ma par p\u0101rm\u0113r\u012bgu, ja sastopama visai pla\u0161i.<\/em><\/p>\n<p><em><strong>Piem\u0113rs<\/strong><\/em><\/p>\n<p><em>Uz\u0146\u0113mums s\u0101k darb\u012bbu jaun\u0101 tirg\u016b\u00a0\u2013 \u0100frik\u0101 un \u0100zij\u0101. Banka, kas apkalpo \u0161o uz\u0146\u0113mumu, p\u0113d\u0113j\u0101 uzraudz\u012bbas iest\u0101des p\u0101rbaud\u0113 sa\u0146\u0113ma aizr\u0101d\u012bjumu, ka t\u0101 neprot p\u0101rvald\u012bt riskus, kas saist\u012bti ar \u0161iem re\u0123ioniem,\u2013 specifiska alfab\u0113ta dokumenti, viet\u0113ja tirgus para\u017eas un situ\u0101cija, sare\u017e\u0123\u012bta gala sa\u0146\u0113m\u0113ju noskaidro\u0161ana\u00a0\u2013, \u00a0L\u012bdz ar to bankai tika uzlikts sods un tika noteikts, ka j\u0101pilnveido iek\u0161\u0113j\u0101s kontroles sist\u0113mas. Banka izv\u0113l\u0113j\u0101s atteikties no klientiem, kas akt\u012bvi darbojas \u0161aj\u0101 segment\u0101, \u0146emot v\u0113r\u0101 to niec\u012bgo \u012bpatsvaru, un fokus\u0113ties uz viet\u0113jo Eiropas tirgu. \u0160\u0101da r\u012bc\u012bba b\u016btu adekv\u0101ta k\u0101dai bankai, bet ne kopum\u0101 vis\u0101m bank\u0101m tirg\u016b.<\/em><\/p>\n<p><strong>Piem\u0113rs<\/strong><\/p>\n<p><em>Uz\u0146\u0113mums eksport\u0113 preces uz Baltkrieviju. Konkr\u0113tajai valstij pre\u010du eksports nav ierobe\u017eots ar Eiropas Savien\u012bbas sankcij\u0101m, tom\u0113r da\u013ca pre\u010du ir sankcion\u0113tas Krievijai. Banka uzskata, ka sankciju riski ir \u013coti augsti, jo preces, visticam\u0101k, non\u0101ks Krievij\u0101, \u0146emot v\u0113r\u0101 \u0161o valstu cie\u0161\u0101s saiknes un muitas savien\u012bbu. Turkl\u0101t da\u013ca pre\u010du tiek pieg\u0101d\u0101tas Baltkrievijas valsts uz\u0146\u0113mumiem, kurus var ietekm\u0113t attiec\u012bg\u0101s valsts autorit\u0101rais vad\u012bt\u0101js. T\u0101d\u0113\u013c, lai ar\u012b nav tie\u0161a aizlieguma str\u0101d\u0101t ar noteikt\u0101m prec\u0113m, banka uzskata, ka riski nav vad\u0101mi sapr\u0101t\u012bg\u0101 l\u012bmen\u012b. \u0160\u012b b\u016btu pamatota derisk\u0113\u0161ana, iz\u0146emot bankas, kas ir specializ\u0113tas darb\u012bbai augst\u0101ka riska segmentos un \u0161o risku sp\u0113tu p\u0101rvald\u012bt.<\/em><\/p>\n<p><strong>Piem\u0113rs<\/strong><\/p>\n<p><em>Banka sa\u0146em Valsts policijas piepras\u012bjumu par klientu un, veicot dar\u012bjumu anal\u012bzi, redz pamatu papildus iesniegt aizdom\u012bga dar\u012bjuma zi\u0146ojumu par klienta dar\u012bjumiem pirms 3 gadiem. \u0160obr\u012bd klienta\u00a0\u2013 juridiskas personas\u00a0\u2013 vad\u012bba un ar\u012b da\u013c\u0113ji \u012bpa\u0161nieki ir main\u012bju\u0161ies. Aizdom\u012bga r\u012bc\u012bba vairs nav sekojusi. Neraugoties uz to, banka p\u0101rtrauc dar\u012bjuma attiec\u012bbas, jo t\u0101s politik\u0101 ir noteikts, ka aizdom\u012bga dar\u012bjuma iesnieg\u0161ana un\/vai Valsts policijas piepras\u012bjuma par klientu sa\u0146em\u0161ana uzs\u0101k dar\u012bjuma attiec\u012bbu ar klientu izbeig\u0161anas procesu. \u0160\u012b var\u0113tu b\u016bt uzskat\u0101ma par p\u0101rm\u0113r\u012bgu derisk\u0113\u0161anu, ja vien nav pamatots ar citiem konkr\u0113t\u0101kiem faktiem.<\/em><\/p>\n<p>Dar\u012bjuma attiec\u012bbu neuzs\u0101k\u0161ana vai izbeig\u0161ana, nev\u0113rt\u0113jot riskus un nemekl\u0113jot iesp\u0113jas noteikt to mazino\u0161us pas\u0101kumus, tiek min\u0113ta k\u0101 neatbilsto\u0161a Finan\u0161u vad\u012bbas darba grupas noteiktajiem standartiem<\/p>\n<p><strong>Ko nov\u0113rst derisk\u0113\u0161anu?<\/strong><\/p>\n<p>\u0145emot v\u0113r\u0101 derisk\u0113\u0161anas c\u0113lo\u0146u un seku glob\u0101lo raksturu k\u0101 starptautisk\u0101s, t\u0101 re\u0123ion\u0101l\u0101s organiz\u0101cij\u0101s, iest\u0101des ir rea\u0123\u0113ju\u0161as un pak\u0101peniski str\u0101d\u0101 gan pie derisk\u0113\u0161anas saist\u012bt\u0101s problem\u0101tikas apzin\u0101\u0161anas, gan risin\u0101jumu mekl\u0113\u0161anas.<\/p>\n<p>Zin\u0101m\u0101k\u0101 no starptautiskaj\u0101m organiz\u0101cij\u0101m\u00a0\u2013 Finan\u0161u vad\u012bbas darba grupa\u00a0(<em>The<\/em>\u00a0<em>Financial Action Task Force<\/em>)\u00a0\u2013 akt\u012bvi iesaist\u012bjusies risin\u0101jumu apzin\u0101\u0161an\u0101, lai mazin\u0101tu ar naudas atmazg\u0101\u0161anas nov\u0113r\u0161anas pras\u012bb\u0101m rad\u012bt\u0101s negrib\u0113t\u0101s sekas, vienlaikus saglab\u0101jot efektivit\u0101ti c\u012b\u0146\u0101 ar finan\u0161u noziegumiem. Uzsv\u0113rts, ka t\u0101s rekomend\u0101cijas balst\u012btas risku nov\u0113rt\u0113jum\u0101 balst\u012bt\u0101 pieej\u0101, kas pien\u0101kumu finan\u0161u iest\u0101d\u0113m izbeigt dar\u012bjuma attiec\u012bbas ar konkr\u0113tu klientu paredz p\u0113c r\u016bp\u012bgas klienta izp\u0113tes, ja tiek secin\u0101ts, ka attiec\u012bgo klienta risku nav iesp\u0113jams p\u0101rvald\u012bt. Dar\u012bjuma attiec\u012bbu neuzs\u0101k\u0161ana vai izbeig\u0161ana, nev\u0113rt\u0113jot riskus un nemekl\u0113jot iesp\u0113jas noteikt to mazino\u0161us pas\u0101kumus, tiek min\u0113ta k\u0101 neatbilsto\u0161a Finan\u0161u vad\u012bbas darba grupas noteiktajiem standartiem.<\/p>\n<p>Ar\u012b Eiropas Banku iest\u0101de 2023.gad\u0101 izdevusi vadl\u012bnijas, sniedzot ieteikumus finan\u0161u tirgus dal\u012bbniekiem, k\u0101 ieviest risku nov\u0113rt\u0113jumu, lai mazin\u0101tu nepamatotu derisk\u0113\u0161anu un veicin\u0101tu neaizsarg\u0101tu klientu piek\u013cuvi finan\u0161u pakalpojumiem.<\/p>\n<p>Vienlaikus nav skaidras izpratnes par to, k\u0101 izm\u0113r\u012bt, vai derisk\u0113\u0161ana past\u0101v un k\u0101ds ir t\u0101 apm\u0113rs, k\u0101 ar\u012b kad un k\u0101 ir nepiecie\u0161ams uz to rea\u0123\u0113t, lai nerastos negat\u012bvas sekas. Sagaid\u0101ms, ka s\u0101kotn\u0113ji daudz akt\u012bv\u0101k valstis r\u012bkosies nacion\u0101l\u0101 l\u012bmen\u012b, k\u0101 tas \u0161obr\u012bd ir ar\u012b Latvij\u0101, un skaidru redz\u0113jumu no vado\u0161aj\u0101m starptautiskaj\u0101m un re\u0123ion\u0101laj\u0101m instit\u016bcij\u0101m sagaid\u012bsim pak\u0101peniski. Latvij\u0101 strat\u0113\u0123iju sam\u0113r\u012bgu naudas atmazg\u0101\u0161anas nov\u0113r\u0161anas pras\u012bbu praktiskai piem\u0113ro\u0161anai godpr\u0101t\u012bgiem klientiem, lai nov\u0113rstu p\u0101rm\u0113r\u012bgu izvair\u012b\u0161anos no risku uz\u0146em\u0161an\u0101s, pie\u0146\u0113ma \u0161\u012b gada 6.febru\u0101r\u012b, un \u0161obr\u012bd notiek akt\u012bva pl\u0101na uzdevumu izpilde. Sagaid\u0101ms, ka uzdevumu izpildei vajadz\u0113tu rezult\u0113ties ar\u012b ar negat\u012bvo seku uz finan\u0161u pakalpojumu pieejam\u012bbu mazin\u0101\u0161anos, jo pl\u0101n\u0101 jau s\u0101kotn\u0113ji veiksm\u012bgi identific\u0113ta derisk\u0113\u0161anas probl\u0113mas ra\u0161an\u0101s c\u0113lo\u0146u esam\u012bba vis\u0101s iesaist\u012btaj\u0101s pus\u0113s\u00a0\u2013 k\u0101 politikas veidot\u0101ju, t\u0101 uzraudz\u012bbas un, protams, finan\u0161u iest\u0101\u017eu un to klientu pus\u0113.<\/p>\n<p><strong>Kas ietekm\u0113 derisk\u0113\u0161anas veido\u0161anos?<\/strong><\/p>\n<p>Raugoties uz procesiem Latvij\u0101, j\u0101min darb\u012bbas, kas veiktas vis\u0101s finan\u0161u ekosist\u0113mas da\u013c\u0101s. Saprotams, ka p\u0113c 2018.gada \u201cMoneyval\u201d zi\u0146ojuma, k\u0101 rezult\u0101t\u0101, ner\u012bkojoties \u0101tri un izl\u0113m\u012bgi, Latvija var\u0113ja iek\u013c\u016bt \u201cpel\u0113kaj\u0101 sarakst\u0101\u201d un rad\u012bt ilgtermi\u0146a b\u016btiskas negat\u012bvas sekas valsts ekonomikai kopum\u0101, nepiecie\u0161amie normat\u012bvo aktu groz\u012bjumi tika pie\u0146emti stingri un neierasti \u0101tri. Turkl\u0101t pa\u0146\u0113mieni, kas tiek att\u012bst\u012bti klientu izp\u0113t\u0113 un uzraudz\u012bb\u0101, balst\u012bj\u0101s t\u0101 laika klientu\u00a0\u2013 nerezidentu\u00a0\u2013 profil\u0101 un riskos. Tikai p\u0113d\u0113jo divu tr\u012bs gadu laik\u0101 mekl\u0113ts ce\u013c\u0161 s\u0101kotn\u0113j\u0101s p\u0101rregul\u0101cijas l\u012bdzsvaro\u0161anai, lai visp\u0101r sp\u0113tu pied\u0101v\u0101t normat\u012bv\u0101 regul\u0113juma vidi, kur\u0101 risku nov\u0113rt\u0113jum\u0101 balst\u012bt\u0101 pieeja b\u016btu iesp\u0113jama.<\/p>\n<p>Atbilsto\u0161i secin\u0101jumiem \u201cMoneyval\u201d zi\u0146ojum\u0101 un stingrajam normat\u012bvajam regul\u0113jumam, saprotams, sekojo\u0161i r\u012bkoj\u0101s ar\u012b uzraudz\u012bbas iest\u0101de\u00a0\u2013 tika pie\u0146emti stingri sodi, p\u0101rbaud\u0113s izvirz\u012btas stingr\u0101kas noteikumos balst\u012btas pras\u012bbas. Lai ar\u012b \u0161obr\u012bd situ\u0101cija main\u0101s, \u201cv\u0113sturisk\u0101 atmi\u0146a\u201d tik \u0101tri nepaz\u016bd, un p\u0113c b\u016bt\u012bbas, lai p\u0101rliecin\u0101tos par uzraudz\u012bbas pieejas mai\u0146u, b\u016btu j\u0101paiet v\u0113l vienam p\u0101rbau\u017eu ciklam.<\/p>\n<p>L\u012bdz\u0101s normat\u012bvajam regul\u0113jumam un uzraudz\u012bbas instit\u016bcijas praksei, saprotams, ka loma ir ar\u012b pa\u0161iem finan\u0161u tirgus dal\u012bbniekiem. Strauji ieviest\u0101s p\u0101rmai\u0146as pras\u012bja t\u016bl\u012bt\u0113ju r\u012bc\u012bbu, un nepietika laika filigr\u0101nu iek\u0161\u0113jo kontro\u013cu sist\u0113mu un risku p\u0101rvald\u012bbas mode\u013cu izveidei. J\u0101\u0146em v\u0113r\u0101, ka attiec\u012bgaj\u0101 period\u0101 Latvijas finan\u0161u sektors, Latvijai atsakoties no finan\u0161u centra statusa, \u013coti liel\u0101 da\u013c\u0101 piln\u012bb\u0101 p\u0101rtrauca \u0101rvalstu finan\u0161u l\u012bdzek\u013cu pl\u016bsmu caur Latvijas finan\u0161u sektoru\u00a0\u2013 prim\u0101ri, \u0146emot v\u0113r\u0101, ka meh\u0101nismu, lai ar \u0161iem l\u012bdzek\u013ciem saist\u012btos riskus p\u0101rvald\u012btu atbilsto\u0161i regul\u0113jumam un ekspekt\u0101cij\u0101m, tolaik vienk\u0101r\u0161i nebija. Pagriezt lielos finan\u0161u tirgus dal\u012bbnieku ku\u0123us cit\u0101 virzien\u0101 noteikti neb\u016bs \u0101trs process, un tas pras\u012bs biznesa funkcijas prioritiz\u0113\u0161anu p\u0101r atbilst\u012bbas kontroles funkciju, k\u0101 ar\u012b metodisko pieeju mai\u0146u izpratn\u0113 par riskiem, \u012bpa\u0161i pareiz\u0101k grad\u0113jot klienta riska \u012bpatsvaru pret pakalpojuma risku, ko klients v\u0113las izmantot.<\/p>\n<p>Derisk\u0113\u0161anas c\u0113lo\u0146i neizb\u0113gami paman\u0101mi ar\u012b finan\u0161u iest\u0101\u017eu klientu pus\u0113, jo \u012bpa\u0161i tajos gad\u012bjumos, kuros klientiem paaugstin\u0101ti riski saskat\u0101mi starptautisko sankciju kontekst\u0101. Klientiem neizprotot pras\u012bbas, virkn\u0113 situ\u0101ciju finan\u0161u iest\u0101de dar\u012bjumu attiec\u012bbas ir spiesta p\u0101rtraukt, jo klients neiesniedz nepiecie\u0161amos dokumentus vai ar\u012b nepamatoti form\u0101li attiecas pret risku p\u0101rvald\u012bbu sav\u0101 pus\u0113, \u0146emot v\u0113r\u0101, ka normat\u012bvie akti paredz oblig\u0101tu termi\u0146u izp\u0113tes pabeig\u0161anai. Situ\u0101cij\u0101s, kur\u0101s riski ir \u012bpa\u0161i augsti, piem\u0113ram, klientam turpinot\/uzs\u0101kot dar\u012bjumus ar valsti, pret kuru noteiktas starptautisk\u0101s sankcijas, vai darbojoties augstiem naudas atmazg\u0101\u0161anas riskiem pak\u013caut\u0101 vid\u0113, klienta pa\u0161a sp\u0113ja uz\u0146emties risku p\u0101rvald\u012bbu nereti b\u016bs iz\u0161\u0137iro\u0161a finan\u0161u pakalpojumu sa\u0146em\u0161anai.<\/p>\n<p>B\u016btisk\u0101kais, lai tirg\u016b kopum\u0101 noteiktas klientu grupas netiktu izstumtas no finan\u0161u pakalpojumu pieejam\u012bbas, k\u0101 ar\u012b lai zemu risku gad\u012bjum\u0101 netiktu piem\u0113roti p\u0101rm\u0113r\u012bgi risku p\u0101rvald\u012bbas pas\u0101kumi<\/p>\n<p><strong>Nev\u0113lam\u0101s sekas<\/strong><\/p>\n<p>Finan\u0161u tirgus dal\u012bbniekiem p\u0101rtraucot vai ierobe\u017eojot dar\u012bjuma attiec\u012bbas ar klientiem vai noteikt\u0101m klientu kategorij\u0101m, lai izvair\u012btos no riska uz\u0146em\u0161an\u0101s, par\u0101d\u0101s ar\u012b virkne negrib\u0113tu, pat nev\u0113lamu seku. Turkl\u0101t ne tikai konkr\u0113tai klientu grupai, kas tiek pak\u013cauta derisk\u0113\u0161anai, bet ar\u012b finan\u0161u sist\u0113mai kopum\u0101. Sekas var izpausties gan k\u0101 dar\u012bjumu vides finansi\u0101lo darb\u012bbu p\u0101rvirz\u012b\u0161ana \u0101rpus jurisdikcijas, kur t\u0101s p\u0113c tam ir iev\u0113rojami sare\u017e\u0123\u012bt\u0101k izsekot, gan k\u0101 finan\u0161u pakalpojumu pieejam\u012bbas ierobe\u017eojumi ievainojam\u0101kajiem sabiedr\u012bbas locek\u013ciem. V\u0113rt\u0113jot sekas un to potenci\u0101l\u0101s mazin\u0101\u0161anas iesp\u0113jas, svar\u012bgi apzin\u0101ties, ka derisk\u0113\u0161ana var b\u016bt ar\u012b pamatota\u00a0\u2013 klienti neiesniedz nepiecie\u0161amo inform\u0101ciju risku p\u0101rvald\u012bbai, finan\u0161u iest\u0101des r\u012bc\u012bb\u0101 nav nepiecie\u0161amo resursu augst\u0101ka riska atbilsto\u0161ai p\u0101rvald\u012bbai, it \u012bpa\u0161i \u0123eogr\u0101fisk\u0101 riska vai sankciju riska d\u0113\u013c. J\u0101\u0146em v\u0113r\u0101, ka negat\u012bv\u0101s sekas ir ne tikai finan\u0161u pakalpojumu pieejam\u012bba k\u0101 t\u0101da, bet ar\u012b palielin\u0101tas finan\u0161u pakalpojumu izmaksas.<\/p>\n<p>Iev\u0113rojot min\u0113to, p\u0101rskat\u0101ms normat\u012bvais regul\u0113jums, atce\u013cot pras\u012bbas, kas finan\u0161u iest\u0101d\u0113m liek r\u012bkoties vair\u0101k un nesapr\u0101t\u012bg\u0101k, k\u0101 tas nepiecie\u0161ams konkr\u0113ta riska p\u0101rvald\u012bbai. T\u0101pat uzraudz\u012bbas instit\u016bcijas p\u0101rbaud\u0113s v\u0113rojama konsekvence ar ekspekt\u0101cij\u0101m pret finan\u0161u pakalpojumu sniedz\u0113jiem un sagaid\u0101m\u0101 r\u012bc\u012bba uz\u0146emties atbilsto\u0161u risku p\u0101rvald\u012bbu tiktu pie\u0146emta ar\u012b no p\u0101rbau\u017eu komandu puses. Finan\u0161u iest\u0101d\u0113m ar\u012b pa\u0161\u0101m b\u016btu j\u0101izv\u0113rt\u0113 iek\u0161ien\u0113 noteikt\u0101s pras\u012bbas un procesi, lai atkl\u0101tu un nov\u0113rstu gad\u012bjumus, kuros risku p\u0101rvald\u012bba tiek \u012bstenota strikt\u0101k, nek\u0101 to nosaka normat\u012bvais regul\u0113jums un nepiecie\u0161ams riska p\u0101rvald\u012bbai. Noteikti uzlabojama ar\u012b komunik\u0101cija ar klientu, kas, laika gait\u0101 finan\u0161u iest\u0101d\u0113m uz\u0146emoties ties\u012bbaizsardz\u012bbas instit\u016bcij\u0101m rakstur\u012bgus pien\u0101kumus, negat\u012bvi main\u012bjusi ar\u012b finan\u0161u iest\u0101\u017eu biznesa kult\u016bru b\u016bt klientorient\u0113t\u0101m. L\u012bdz\u0101s min\u0113tajam da\u013ca atbild\u012bbas un m\u0101jasdarba j\u0101uz\u0146emas ar\u012b pa\u0161iem klientiem\u00a0\u2013 tiem j\u0101sadarbojas ar finan\u0161u iest\u0101d\u0113m un j\u0101iesniedz likum\u012bgi piepras\u012btie dokumenti, k\u0101 ar\u012b, darbojoties augst\u0101ka riska nozar\u0113s vai teritorij\u0101s, j\u0101b\u016bt gataviem invest\u0113t risku p\u0101rvald\u012bb\u0101.<\/p>\n<p>Svar\u012bgi, lai finan\u0161u nozare kopum\u0101 ir gatava un tai ir \u0101r\u0113j\u0101s vides nodro\u0161in\u0101ta iesp\u0113ja uz\u0146emties ar\u012b augst\u0101kus riskus. Vienlaikus sagaid\u012bt, ka visi tirgus dal\u012bbnieki b\u016bs gatavi invest\u0113t atbilsto\u0161as risku p\u0101rvald\u012bbas nodro\u0161in\u0101\u0161an\u0101 ar\u012b \u013coti augstu risku gad\u012bjum\u0101, nav nedz objekt\u012bvi, nedz nepiecie\u0161ams. B\u016btisk\u0101kais, lai tirg\u016b kopum\u0101 noteiktas klientu grupas netiktu izstumtas no finan\u0161u pakalpojumu pieejam\u012bbas, k\u0101 ar\u012b lai zemu risku gad\u012bjum\u0101 netiktu piem\u0113roti p\u0101rm\u0113r\u012bgi risku p\u0101rvald\u012bbas pas\u0101kumi. Derisk\u0113\u0161anas kait\u012bg\u0101k\u0101s sekas ir t\u0101das, ka attiec\u012bgie klienti non\u0101k alternat\u012bv\u0101 nor\u0113\u0137inu veik\u0161anas k\u0101rt\u012bb\u0101, tre\u0161o valstu bank\u0101s vai cit\u0101di paz\u016bd no Latvijas iest\u0101\u017eu radara.<\/p>\n<p>Publik\u0101cija: <a href=\"https:\/\/ifinanses.lv\/raksti\/vadiba\/finansu-vadiba\/lv-deriskesana-ka-ietekme-banku-klientus\/29263\" target=\"_blank\" rel=\"noopener\">ifinanses.lv<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Derisk\u0113\u0161ana jeb\u00a0de-risking\u00a0ir par\u0101d\u012bba, kad finan\u0161u tirgus dal\u012bbnieki p\u0101rtrauc vai ierobe\u017eo dar\u012bjuma attiec\u012bbas ar klientiem vai noteikt\u0101m klientu kategorij\u0101m, lai izvair\u012btos no riska uz\u0146em\u0161an\u0101s, nevis, lai risku atbilsto\u0161i p\u0101rvald\u012btu. \u0160is nav tikai Latvijas fenomens\u00a0\u2013 probl\u0113ma identific\u0113ta ar\u012b starptautisk\u0101 un re\u0123ion\u0101l\u0101 l\u012bmen\u012b&#8230;<\/p>\n","protected":false},"author":10,"featured_media":38538,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"country":[96],"class_list":["post-38531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lv","country-latvia-lv"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Derisk\u0113\u0161ana \u2013 k\u0101 ietekm\u0113 banku klientus? 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