Qonda izinhlobo ezahlukene zamalayisensi ezezimali atholakala e-Luxembourg
I-Luxembourg inikezela ngamalayisense ahlukahlukene ezezimali ezinkampanini zase-Luxembourg ezifisa ukumisa ezweni. Lawa malayisensi akhishwa yi-Commissariat aux Assurances (CAA) e-Luxembourg futhi aklanyelwe ukuhlangabezana nezidingo zezinkampani ezifisa ukunikeza izinsizakalo zezezimali e-Luxembourg.
Ilayisensi eyinhloko ilayisense yasebhange e-Luxembourg. Ivumela izinkampani ezise-Luxembourg ukuthi zinikeze izinsizakalo zasebhange, njengemalimboleko e-Luxembourg, amadiphozithi nezinsizakalo zokukhokha e-Luxembourg. Izinkampani ezifisa ukuthola ilayisense yasebhange kumele zihlangabezane nezidingo eziqinile zekhephithali kanye ne-solvency e-Luxembourg.
Enye ilayisensi yezezimali etholakala e-Luxembourg ilayisense yokutshala imali. Ivumela izinkampani ezise-Luxembourg ukuthi zinikeze izinsizakalo zokutshala izimali e-Luxembourg, njengezeluleko zokutshalwa kwezimali e-Luxembourg, izinsizakalo zokuthengisa kanye nezinsizakalo zokuphatha iphothifoliyo e-Luxembourg. Izinkampani ezifisa ukuthola ilayisense yokutshala izimali kumele zihlangabezane nezidingo eziqinile zekhephithali kanye ne-solvency e-Luxembourg.
Enye ilayisense yezezimali etholakala e-Luxembourg yi-Luxembourg Financial Services License. Ivumela izinkampani ezise-Luxembourg ukuthi zinikeze izinsizakalo zezezimali e-Luxembourg, njengezinsizakalo zokweluleka e-Luxembourg, izinsizakalo zokuphatha ingcebo nezinsizakalo zokuphatha isikhwama e-Luxembourg. Izinkampani ezifisa ukuthola ilayisense yezinsizakalo zezezimali kumele zihlangabezane nezidingo eziqinile zekhephithali kanye ne-solvency e-Luxembourg.
Ekugcineni, iLuxembourg iphinde inikeze ilayisense yezinsizakalo zokukhokha. Ivumela izinkampani ezise-Luxembourg ukuthi zinikeze izinsizakalo zokukhokha e-Luxembourg, ezifana nezinsizakalo zokudlulisa imali e-Luxembourg, izinsizakalo zamakhadi esikweletu nezinsizakalo zokukhokha ku-inthanethi e-Luxembourg. Izinkampani ezise-Luxembourg ezifisa ukuthola ilayisense yezinsizakalo zokukhokha zase-Luxembourg kumele zihlangabezane nezidingo eziqinile zekhephithali ne-solvency e-Luxembourg.
Kafushane, iLuxembourg inikezela ngamalayisense ezimali ahlukahlukene ezinkampani ezifisa ukumisa ezweni. Lawa malayisensi akhishwa yi-Commissariat aux Assurances (CAA) futhi aklanyelwe ukuhlangabezana nezidingo zezinkampani ezifisa ukunikeza izinsizakalo zezezimali e-Luxembourg. Izinkampani ezise-Luxembourg ezifisa ukuthola ilayisense yezezimali e-Luxembourg kumele zihlangabezane nezidingo eziqinile zekhephithali kanye ne-solvency e-Luxembourg.
Ungalithola kanjani ilayisense lezezimali eLuxembourg
Ukuthola ilayisense yezezimali e-Luxembourg, kufanele uhlangabezane nenani lezinqubo nezinqubo. Okokuqala, kufanele ufake isicelo ku-Prudential Control and Resolution Authority (ACPR). Kufanele futhi unikeze ulwazi mayelana nebhizinisi lakho e-Luxembourg, okuhlanganisa ulwazi mayelana nenhloko-dolobha yakho, isakhiwo sakho senhlangano kanye nohlelo lwakho lwebhizinisi.
Okulandelayo, kufanele unikeze ulwazi ngabasebenzi bakho, okuhlanganisa ulwazi mayelana neziqu zabo kanye nesizinda. Kufanele futhi unikeze ngolwazi lokulawula kwakho kwangaphakathi nohlelo lokulawulwa kobungozi e-Luxembourg.
Okokugcina, kufanele unikeze ulwazi mayelana nokufaneleka kwakho isikweletu kanye nekhono lakho lokulawula ubungozi. Kufanele futhi unikeze ulwazi mayelana nekhono lakho lokuphatha izimali zeklayenti futhi uthobelane nezidingo zokulawula e-Luxembourg.
Uma usuhlangabezane nazo zonke lezi zidingo, i-ACPR izobuyekeza isicelo sakho bese inquma ukuthi uyafaneleka yini ukuthola ilayisense yezezimali e-Luxembourg.
Izinzuzo kanye nokubi kwamalayisensi ezezimali e-Luxembourg
Amalayisense ezezimali e-Luxembourg anikeza izinzuzo eziningi zezinkampani ezifisa ukumisa lapho. Okokuqala, iLuxembourg iyisikhungo sezimali esihlonishwa kakhulu nesilawulwa kahle, okwenza kube indawo ekhangayo ezinkampanini ezifisa ukusungula isitolo lapho. Ngaphezu kwalokho, iLuxembourg iyizwe eliyilungu le-European Union, okusho ukuthi izinkampani zaseLuxembourg ezisungulwe lapho ziyazuza ngokufinyelela imakethe yabathengi abangaphezu kwezigidi ezingu-500. Ngaphezu kwalokho, i-Luxembourg inikeza izinzuzo zentela ezikhangayo kakhulu, okuhlanganisa amanani entela aphansi kakhulu nokukhululwa kwentela ezinkampanini ezisungula lapho.
Kodwa-ke, kukhona futhi nokubi ekutholeni ilayisense yezezimali eLuxembourg. Okokuqala, inqubo yokuthola ilayisense e-Luxembourg ingaba yinde futhi ibe yinkimbinkimbi, futhi izinkampani zaseLuxembourg zivame ukuhambisana nezidingo eziqinile nezinqubo zokulawula eLuxembourg. Ukwengeza, izindleko zokuthola ilayisense e-Luxembourg zingaba phezulu, futhi izinkampani ngokuvamile kufanele zikhokhe imali yelayisense nezimali zokuthobela umthetho. Ekugcineni, iLuxembourg iyizwe elincane, okusho ukuthi izinkampani zaseLuxembourg ezisungule lapho zingase zikuthole kunzima ukuthola amakhasimende nokukhula.
Izidingo zokulawula ukuze uthole ilayisensi yezezimali e-Luxembourg
I-Luxembourg iyisikhungo sezimali samazwe ngamazwe esaziwayo futhi inikeza amalayisense ezezimali anhlobonhlobo ezinkampanini ezifisa ukusebenza lapho. Ukuthola ilayisense yezezimali e-Luxembourg, izinkampani eziseLuxembourg kumele zihlangabezane nenani lezidingo zokulawula.
Okokuqala, izinkampani kufanele zifake isicelo ku-Commission de Surveillance du Secteur Financier (CSSF). Isicelo kufanele sifake imininingwane enemininingwane mayelana nenkampani ese-Luxembourg, okuhlanganisa ulwazi mayelana nemisebenzi yayo e-Luxembourg, imikhiqizo yayo namasevisi e-Luxembourg, abaqondisi bayo kanye nabanikazi bamasheya bayo e-Luxembourg. Izinkampani ezise-Luxembourg kufanele futhi zinikeze ulwazi ngomlando wazo wezezimali nezinqubo zokulawula kwangaphakathi.
Okulandelayo, izinkampani zaseLuxembourg kumele zikhombise ukuthi zinezinsiza namakhono adingekayo okwenza imisebenzi yazo ngokufanele nangokuhambisana nemithetho nemithethonqubo esebenzayo. Izinkampani zaseLuxembourg kumele nazo zikhombise ukuthi zinemali edingekayo ukuze zibhekelele imisebenzi yazo nezibopho zazo.
Okokugcina, izinkampani zase-Luxembourg kufanele zibonise ukuthi zinohlelo olwanele lokulawula lwangaphakathi nokuthi ziyakwazi ukuhlangabezana nezimfuneko zokuthobelana nokulwa nokushushumbiswa kwemali. Izinkampani zaseLuxembourg kumele futhi zikhombise ukuthi zinohlelo olusebenzayo lokulawula ubungozi nokuthi ziyakwazi ukuphatha imisebenzi yazo ngendlela efanele.
Uma zonke lezi zidingo zokulawula sezifinyelelwe, i-CSSF izobuyekeza isicelo bese ikhipha ilayisense yezezimali enkampanini ese-Luxembourg.
Izinhlobo ezahlukene zemikhiqizo yezezimali namasevisi ahlinzekwa izinkampani ezinelayisensi yezezimali e-Luxembourg
Izinkampani ezinelayisensi yezezimali e-Luxembourg zihlinzeka ngemikhiqizo namasevisi ezezimali ahlukahlukene. Le mikhiqizo namasevisi ahlanganisa izinsizakalo zamabhange, izinsizakalo zokuthengiselana, izinsizakalo zokuphatha ingcebo, izinsizakalo zokweluleka ngokutshalwa kwezimali, izinsizakalo zokuphatha izikhwama e-Luxembourg, izinsizakalo zokuphepha e-Luxembourg, izinsizakalo zokukhokha nezinsizakalo zokudlulisa imali e-Luxembourg.
Izinsizakalo zokubhanga e-Luxembourg zifaka izinsizakalo zediphozi e-Luxembourg, izinsizakalo zokubolekwa imali, izinsizakalo zekhadi lesikweletu nedebhithi, izinsizakalo zokudlulisa imali nezinsizakalo zokushintshiselana kwamanye amazwe. Izinsizakalo zokuthengisa e-Luxembourg zifaka izinsizakalo zokuhweba nezokuthengisa ngamasheya e-Luxembourg, amabhondi e-Luxembourg, okuphuma kokunye namanye amathuluzi ezezimali e-Luxembourg. Izinsizakalo zokuphatha ingcebo zihlanganisa izinsiza zokuhlela nokuphatha impahla e-Luxembourg, izinsizakalo zokweluleka ngokutshalwa kwezimali kanye nezinsizakalo zokulawula ubungozi e-Luxembourg. Izinsizakalo zokweluleka ngokutshalwa kwezimali e-Luxembourg zifaka izinsizakalo zocwaningo nokuhlaziya, izinsizakalo zokweluleka kanye nezinsizakalo zokuphatha iphothifoliyo e-Luxembourg.
Izinsizakalo zokuphatha isikhwama zihlanganisa izinsizakalo zokuphatha isikhwama esihlanganyelwe, ezinye izinsizakalo zokuphatha isikhwama kanye nezinsizakalo zokuphatha isikhwama esikhethekile. Amasevisi okuqinisekisa ukuphepha ahlanganisa amasevisi okuqinisekisa ukubolekwa kwemali, amasevisi okutholwayo okuqinisekisa ubunikazi kanye namasevisi wokuqinisekisa ubunikazi bokuphuma kokunye. Amasevisi okukhokha ahlanganisa amasevisi okukhokha amakhadi, amasevisi okukhokha ngokuthunyelwa ngezintambo kanye nezinsizakalo zokukhokha zamasheke. Amasevisi okuthumela imali ahlanganisa izinsizakalo zokuthunyelwa kwezimali kwamanye amazwe kanye nezinsizakalo zokuthunyelwa kwezimali ekhaya.
