從『國外偽卡科技植入台灣』談信用卡詐欺犯罪防制問題之研究
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- 最後更新日期：109-05-13
- 資料點閱次數：770
中文摘要:
信用卡是目前世界上所流行且備受廣泛使用的先進支付、結算工具，隨著知識經濟時代的來臨與資訊科技高度的發展，產生信用卡交易型態的多樣化及普遍化，但卻衍生出相對應之詐騙風險；因此，信用卡業務對銀行所產生的挑戰，已從市場占有率的競爭轉向詐騙風險管控和提高服務品質併進的階段。從台灣地區信用卡總發行量呈現急速的增長觀之，在普及率和使用率上均處高水位的情況下，伴隨信用卡犯罪案件快速的增加，往往成為社會大眾及媒體所報導關切的議題；故本文將以信用卡犯罪的類型、特性分析及詐騙手法演化之分析導入，輔以犯罪心理學角度來客觀預測，有關跨國性信用卡犯罪組織將國外偽卡科技技術植入台灣後，對我國金融產業環境及社會人民所造成的影響。並針對信用卡犯罪國際化、集團化的趨勢，提出現行及未來所將面臨的問題之具體解決方法和預防措施，以期得以保障國家、社會、人民及該產業的利益，進而達到符合全民的共同期待。
最後，希望藉此研究能喚起社會大眾對信用卡犯罪逐漸惡化的重視，共同來推動金融詐騙預防措施，徹底消除國際輿論所言(台灣是"偽卡王國""詐欺犯罪的天堂")之惡性表徵，以確保社會大眾權益並提昇我國金融產業邁向全球化腳步之競爭力。
英文摘要:
The credit card is so popular currently around the world for it's ability to play an important role of convenient payment tool. With high development of technology and the coming of knowledge-economy, not only the credit card business has been diversified, but the fraud risk has increased continuously. Hence bank is facing the greatest challenge and focusing on how to manage and control the serious fraud risk, as well as to promote the service quality. In view of the increase in credit card issuing, utility ratio and also fraud cases, first of all, this research is going to analyze criminal types with respective characteristics, fraud skills and to discuss future development based on criminal psychology.
As overseas fraud groups take chance to migrate credit card forgery skills into Taiwan and together to cooperate with local fraud groups, this has resulted in the increase of credit card fraud cases and damage of rights/interests to customers, and banks with bearing bad debt risk. Due to the fact that credit card crime has been internationalized and grouped, secondly, this research is also to point out current and future credit card problems and to work out the prevention and precaution.
Finally, to gather people in public to look into seriously credit card crime and develop the strategy of precaution, and further to remove this negative image as " Taiwan is a Kingdom/Heaven of Fraud and Forgery" are main topics for the purpose of protecting the consumer market and promoting banking business and environment to be more competitive all over the word.