中文摘要:

近幾年電信詐欺案件急遽增加，受害人數眾多，每年遭詐騙損失的金額多達幾十億元，引起民眾的恐慌及政府相關單位的重視。自民國92年以來，有組織的跨境詐欺集團已然成形，利用人頭帳戶及電話，結合金融機構ATM轉帳之便利性，編撰各種名義、配合時事，間接與被害人接觸，掌握人性貪婪弱點、發揮隱匿性，來欺騙社會大眾，破壞金融體系，影響人民經濟秩序，對國家社會造成鉅大的損害。
本研究使用質性研究的深度訪談法為主要研究方法，運用立意取樣及滾雪球方法抽樣，針對電信詐欺犯罪者五名、實務界偵查人員二名、資通訊專業人員二名進行訪談，深入了解、分析電信詐欺犯罪。

英文摘要:

Reported cases of telefraud have risen at a staggering rate in recent years. According to statistics, losses incurred from frauds amount to several billions of dollars each year. It has caused panic among the commoners and has become an issue of concern for the government. Since 2003, criminals of organized international fraud starts by using dummy accounts, various kinds of telecommunication media, false names/events, and ATM transfers provided by financial institutions. The fraudulent acts of the criminal groups seriously jeopardize the domestic financial system and economic order. The social impacts on the nation as a whole are tremendous.
In this paper, in-depth interviews of qualitative researches are conducted. Purposive sampling and snowballing sampling are adopted as the sampling methods. Telefraud criminals (5 persons), investigation practitioners (2 persons), and information & communication professionals (2 persons) are interviewed to probe into and analyze telefrauds. The research framework covers interview results in four aspects: organization structure and labor division, mode of telefraud, counter-fraud avoidance (concealed identity) by means of telecommunication tools, and method of investigation. The interview contents are then analyzed and summarized as follows: differences between general fraud and telefraud, labor division of telefraud rings, preparations before committing a crime, mode of crime, and use of telecommunications and financial media, telefraud/crime investigation method, and problems encountered in investigating telefrauds. A telefraud/crime model will be set up based on the result findings. The entire crime process will be plotted and an investigation method formulated to help investigation practitioners take a better control during practical investigations.
Finally, strategic suggestions of investigations and preventions in consideration of the existing conditions will be proposed respectively from the viewpoints of police departments, telecommunication operators, financial institutions, media, and other relevant departments.

資料來源: https://hdl.handle.net/11296/3x7t7t