中文摘要:

本研究為針對信用卡相關的犯罪模式，找出銀行信用卡業務安全控管上的風險及漏洞，並由銀行的角度研究控制的方法，以期減少銀行或使用者的損失並防患犯罪的發生。
研究的方式由於筆者任職於某跨國銀行國內分行(簡稱C銀行)安全調查部，並擔任部門負責人，可獲得相關的初級資料供分析研究之用，包含銀行信用卡作業規定與流程、內部風險控管方式及重點，詐欺的犯罪案例及其演化，故採用個案研究法。
研究的步驟為蒐集信用卡相關的犯罪資料及銀行內部信用卡業務相關的作業規定流程，並依據近年來的犯罪手法進而整理分析出其間的關聯，試圖找出銀行端的漏洞並研究防治的策略。
本研究雖以C銀行為研究分析的對象資料來源，然研究結果及防治策略亦應適用於國內所有銀行，因各銀行所發行的信用卡均為國際信用卡組織通用的信用卡，其作業範籌及流程也都是依據我國銀行局金管會的相關規定而制定，控管或有些微差距但不致偏離太大且金管會每年均會對所有銀行進行稽查，並對控管較鬆或有犯罪關聯紀錄的銀行要求改善甚至處罰。
 

英文摘要:

This study focus on the fraud criminal model which related to Credit Card and expect to find the security risk & weak in card business management and find the way on banking sight to control it for reduce user or bank’s loss and prevent criminal event.
This study using case study due to writer is working in a global bank security & investigation department and in charge of this department country part which will convenience to get some raw data for study, this include the credit card business procedure, working flow, audit & risk management, card fraud cases & its development.
Studying step is collect credit card related fraud case & bank internal cards business regulation, procedure & process flow chart, than depend on those criminal model to analyst its related, try to fine the weak in bank and the strategy.
The anti-criminal strategy which this study found should suit for all local banks due to all banks issuing the same several global credit cards and all process procedure is base on FSC regulation, and FSC will also audit all of bank to find the process weak and asking revise.

資料來源: https://hdl.handle.net/11296/8mnd43