中文摘要

網路的快速的發展與使用雖然帶來了新興的產業發展與便利的生活，網路金融活動如果將成為未來資訊化社會生活不可或缺的活動，對於網路資訊安全的議題更是網路金融業者更應加注意與重視的。網路金融犯罪係指犯罪行為人利用資通訊科技之網路從事具有違法性可非難之損害他人經濟上利益與危害正常金融交易秩序的犯罪行為。網路金融犯罪者的犯罪手法，隨著資通訊網路科技的發展，不斷地以更為新穎的手法進行相關的網路金融犯罪攻擊。因此金融業者與金融科技業者的責任是更加艱鉅地面對各項資訊安全維護。在當今智慧手機與聯網行動裝置的普及，網路犯罪者將行動裝置漏洞，逐漸當成作為重要的裝置感染途徑。倘若無法重視網路資訊安全維護，未來將出現更嚴重的網路銀行及各類網路金融活動使用的相關威脅。
有效地因應與規劃網路金融犯罪的防制，實為我國金融主關機關與網路犯罪偵查機關的當務之急與艱鉅挑戰。本文擬對當今科技金融時代資通訊社會的網路金融犯罪的防制提出幾個重要面向的觀察與建議。對於網路金融犯罪防制首先可從資通訊網路科技防制技術著手，並要對網路金融犯罪進行跨國合作防制機制，在法制面對個資隱私權保護法制與資訊安全治理機制亦應完備建置，對於網路金融犯罪的嚴峻威脅，金融主管機關與犯罪偵查機關具體作為必須確實有效才是。

English Abstract

With the speedy development and use of Internet that cause new industrial development and more convenient living, internet financial activities will become an essential activities in informational society. For financial and financial technology industry, they should pay more attentions and efforts to the information security issues. Internet financial crime means that cyber criminals made use of ICT resources to engage in illegal disapproval activities can damage the economic interests of others and harm normal financial transaction order. The activities and types of internet financial crimes with the development of ICT internet technology, constantly more innovative approach to internet related financial crimes attack. Therefore, the financial industry financial technology industry's responsibility are more difficult to maintain information security in the cyber world. In today's popularity of smart phones and internet connecting devices, cyber criminals can take loopholes of mobile device and its vulnerabilities, as gradually as important means of infection routes. If the financial industry and financial technology industry are unable to make importance to informational system security maintenance, in the future it will appear more serious threat related to online banking and internet financial activities.
Effectively response and planning internet financial crimes prevention are the main priorities and daunting challenges of governmental financial supervisory authorities and cybercrimes investigation authorities. This article focus on the prevention and control perspectives for internet financial crimes in current financial technology era and made several important observations and practical suggestions. For internet financial crimes prevention mechanisms are first based on ICT prevention technologies to proceed and also conducting financial crimes prevention and control mechanisms for cross-border international cooperation. The legal mechanisms are need well established and enforcing privacy laws and with information security governance mechanisms should be completed. For serious threats to internet financial crimes, crime investigation authorities and governmental financial supervisory authorities must act with specific and practical solutions.

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