台灣詐騙產業行為之經濟分析

Abstract

曾幾何時，台灣詐騙產業活動從個人對個人的C2C 轉進為組織化的B2C詐騙集團，組織分工細膩更具產業雛型，內部包含執行長、行銷策劃組(行銷人員負責模擬詐騙情景，以假亂真)、大數據蒐集組(專責收購及取得被害人相關資料)、業務執行組(各司其職，扮演行銷策畫組所規畫之情境，以傳遞給被害者強烈的訊號)、金流/通訊組(負責開立人頭帳戶，設法將不法所得透過境外洗錢轉回台灣帳戶，並設立與被害者聯繫的方式)，詐騙集團手冊中，甚至細分角色扮演的應對內容，針對銀行主管、刑警稽查該說什麼?該怎麼騙?鉅細彌遺且具學習效果。若以經濟學的角度切入，從CEO、Marketer、IT、Sales與Finance宛如大型產業鏈，在勞動供給面上，詐騙集團吸收新進成員，轉往海外受訓並設立基地，詐騙技術成熟且輸出海外，即使詐騙產業具有經濟上的負向外部性以及壞財貨的特性，但若將詐騙不法所得金額視為產業之產值，其規模之大，後續也足以成為產業研究標的。而詐騙產業行為中，除了透過資訊不對稱與市場訊號來提高產值，尚運用了何種經濟學的方式與理論?以及在跨國詐騙產業鏈之中，最終需將不法所得透過洗錢方式匯回台灣，完成整體詐騙行為鏈的過程，並將相關資源投入下次(詐騙)生產所需，而國內目前洗錢相關防治的規定有哪些?最終並給予相關結論與後續研究建議。

Since Taiwan’s scam industry activities have shifted from individual-to-individual (C2C) to organized scam groups(B2C), it even includes CEO and marketing planning groups, the Big Data Collection Group, the Business Enforcement Group, the Communication Group. In the fraud method instruction manual, even the content of the role-playing response is divided, what should be said for the bank supervisor and the criminal police auditor? How to lie? It is very detailed and has a learning effect, it also has CEO, Marketer, IT, Sales and Finance function, it’s almost like industrial chains model. On the labor supply side, fraud groups absorb new members, transfer to overseas training and set up general headquarters, and exported to overseas. In the scam industry, in addition to improving the output value through information asymmetry and signal effects, what kind of economics methods and theories are used? In the cross-border scam industry chain, the illegal proceeds must be remitted back to Taiwan through money laundering to complete the process of the overall supply chain, and put the relevant resources into the next scam production needs, and what are the current regulations on prevention and control of money laundering in Taiwan?