UZROCI I KARAKTERISTIKE KORUPCIJE U BANKARSTVU
CAUSES AND CHARACTERISTICS OF CORRUPTION IN BANKING

Summary/Abstract: Given the fact that corruption is old as human society, in the banking industry, we can say that it appeared the emergence of banks and banking. Bankers are respectable people in the middle of where they live and work, and a small number of ordinary world that anything can trigger suspicion of unfair and unlawful operation of this category of people. Individuals who carry out fraud in banks and various forms of corruption offenses, subject to very easily tempted to take their personal needs money to them under the law given to the care and handling. Grafter in the previous period were reliable people, of them prevailed opinion as men of honor and humble citizens. Because that is a different view prevailed on them, they would not be given huge funds for care and handling. Therefore, a very startling and shocking act news about arrests of bankers and criminal affairs in this sector of business, because customers or users of banking services bankers generally considered respectable and honest people, who have no need for the appropriation of money illegally because they are rich and everyone else in environment they considered elite. Banker, especially cashier who handles millions daily amounts of cash and values, it is undisputed in serious temptation. Huge amounts of money every day in his sight, as he usually receives a pittance. Thus, the banking officer very easily come up with the idea that he lives like a real banker. The first steps towards corruption in the banking sector are to be stealing a bit and that it is not detected. Further steps are going to credit fraud, money laundering, which is tantamount to exploiting weaknesses banks as financial institutions and the individuals in it. Ineffectiveness in protecting the bank and its operations, especially by internal audit, external auditors, controllers, those who carry out risk assessment and other financial professionals in one bank can threaten the very existence of the same in every sense of the word.

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