中文摘要:

金融轉帳詐欺犯罪係為一新型態之犯罪，其詐騙方式並沒有一個固定型態，該類犯罪於國外亦屬罕見。根據內政部警政署統計，金融轉帳詐欺案件從2002年到2005年間，共計發生146,931件；破獲48,259件，破獲率僅有32.84%，顯見詐欺犯罪已造成社會資源之浪費及嚴重影響民眾之生活安全。詐欺案件歹徒擅於利用人性的貪婪，以巧言令色配合時空因素，遂行詐騙伎倆。且近來多以電話、手機簡訊等管道進行詐騙，以近四年來臺閩地區警察機關受（處）理詐欺案件發破件數統計來看，利用電話、手機簡訊手法進行詐騙之案件發生45,357件；破獲11,613件，破獲率為25.6%；利用其他手法進行詐騙之案件發生101,574件；破獲36,646件，破獲率為36.07%。依上述的數據可發現雖然科技的發達不只帶來生活便利，另一方面，不法份子亦可能利用這些高科技做為犯法的管道，造成警察機關辦案上的困難，進而形成此類詐欺案件難以偵破之肇因。
有鑑於受害者眾多，民意及社會輿論大聲撻伐，行政院遂於2004年4月23日成立「反詐騙聯防平臺」進行政策面協調，但相關政策及執行成效尚無可見，另因詐騙集團橫行，已經到了有騙無類的地步，社會負面的外部效果已經產生，造成民眾人心惶惶。
本論文依行政法基本理論－原理、組織、權限、救濟及監察等五大架構，研究金融轉帳詐欺犯罪防治法制與其他相關行政法規，進而探究臺灣地區現今金融轉帳詐欺犯罪防治法制是否周延；政府各權責單位能否本著行政一體之信念，相互配合；民間金融、電信業者對於金融轉帳詐欺犯罪防治之實際作為及政策研擬等相關法制問題，其目的在於配合目前之社會環境，進一步探討相關法制其缺失及其改進方向。

英文摘要:

The fraud of financial transfer has become a new type crime and been used with various types. And it is also a rare phenomenon in overseas .According to the statistics of National Police Agency, there were 146,931 cases totally and 48,259 cases cleared , the clearance rate is 32.84 % . It is obvious that such kind of crime has caused the loss of social cost and damaged to people’s daily life. Moreover, offenders use human beings’ greed for money to achieve their purposes. In addition, they also use the ways of calls and messages of cellar phones. In past four years, categorizing the number of fraud cases handled by Police Departments in area of Taiwan & Fukain Province, 45,357 cases were conducted by the process of calling and messages of mobile phones, only 11,613 cases cleared, the clearance rate is 25.6%, 101,574 cases were conducted by the rest of ways; only 36,646 cases were cleared; the clearance rate is 36.07 %. From statistics mentioned above, the development of hi-tech not only brings about the convenience of life but also leads to diversified skills of the crimes. All in all, it has already leveled the difficulties of enforcement and lowered the clearance rate as well.

In response of this phenomenon, Executive Yuan set up an Anti-fraud Platform on April 23, 2004 to coordinate with the relevant stakeholders, but the effectiveness was still limited. It is no exaggeration to say that the fraud rings have caused people’s anxiety and messed the social order up.

Firstly, this paper focuses on conceptual framework of administrative law’s theories, organization, competence, appeal and supervision. Secondly, it moves to understand the extent of integrity between anti-fraud laws and relevant administrative laws. Next, it aims to investigate the current phenomenon of cooperation among relevant authorities, private sectors and telecom sectors. Last, it proposes suggestions for improvement.

資料來源: https://hdl.handle.net/11296/fz9mxq