Regulação e supervisão do sistema financeiro:

• Autor(a) principal: Mundaca, Inácio Cirino Alfredo
• Data de Publicação: 2023
• Tipo de documento: Dissertação
• Idioma: por
• Título da fonte: Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
• Texto Completo: http://hdl.handle.net/10362/163632
• topic: Ativos virtuais; Sistema financeiro; Angola; Riscos; Operação com ativos virtuais; Regulação; Supervisão; Branqueamento de capitais; Virtual assets; Financial system; Angola; Risks; Operations with virtual assets; Regulation; Supervision; Money laundering; Direito

This thesis focuses on the study of uncertainties or, in other words, the challenges faced by the regulatory and supervisory bodies of the financial system together with the states, due to the risks generated because of operations carried out with virtual assets (VAs), considering the Angolan reality. Since 2008, the financial sector has undergone significant advances with the introduction of concepts such as crypto-assets and Blockchain, which have since proliferated as a joint result of the progressive integration of financial technologies, such as Distributed Ledger Technology (DLT) and FinTech, as well as those aimed at preventing risks inherent to those, called Disruptive Regulation such as RegTech, and the regulatory Sandbox. Nowadays, the inclusion of these technologies in the global financial system is already a reality. The evolution of the role of these technologies, particularly the framework of virtual assets as their fraction, generate a set of challenges, from a regulatory point of view, that greatly concern the regulators of the financial system, specifically those linked to certain risks such as money laundering, tax evasion and others. These challenges have proved to be quite complex, especially in what concerns the control or inspection of such activities because their regulation implies a different logistics from the traditional model that has fiat currency as its object. Efforts are being made mainly in the sense of adopting a regulatory framework that can respond to such challenges, with much emphasis on the use Disruptive Regulation mechanisms as an appropriate means to mitigate risks. Since it is clear that the phenomenon of financial technologies is one of the reasons, amidst others, for the rapid growth of virtual assets, the present investigation focuses on the operations carried out with such assets, specifically the risks associated with them, and the perspective of their regulation and supervision, considering its adaptation to existing general regulations, as is the case with the framework of money laundering and terrorist financing. These and other questions concerning the risks associated with operations with virtual assets are reflected in this thesis, and particularly lead us to a glimpse of the future from a monetary perspective.