사기이용계좌 개설 방지를 위한 대응방안 연구
A Study on the Countermeasures for Prevention of Opening a Fraud Account
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초록
피싱과 같은 금융사기가 발생한지 수년이 지났고 언론 등을 통해 널리 보도되었지만 연령 또는 사회적 신분과 관계없이 지속적으로 발생하고 있으며 피해는 줄어들지 않고 있다. 사기이용계좌는 계좌를 개설한 사람과 계좌를 이용하는 사람이 다르므로 금융경로에 대한 추적을 피할 수 있어 각종 금융범죄에서 사기자금의 수취수단으로 사용되고 있다. 금융기관과 금융감독기관의 노력으로 그동안 각종 금융범죄의 도구로 사용되는 사기이용계좌의 근절을 위해 다양한 대책을 마련하고 추진하였지만 금융사기의 급증으로 사기자금 수취수단인 사기이용계좌 개설 및 유통이 지속적으로 증가 추세에 있어 이에 대한 대책이 필요하다. 본 논문은 금융기관 및 금융감독기관의 지속적인 단속에도 불구하고 사회적으로심각한 피해를 발생시키는 사기이용계좌의 현황을 분석하고, 금융기관의 능동적이고 효과적인 대응방안을 제시한다.
Abstract
Financial fraud such as phishing have passed several years from the occurrence, in spite of the widely known through themedia, regardless of the social status or age, financial fraud has occurred on an ongoing basis, the damage is not reduced. Thefraud account, the person who made the account, the user is different, it is possible to avoid tracking financial channel, and isused as a receiving means for fraud money of various crimes. Efforts of financial institutions and financial supervisoryinstitutions, it has been promoted by preparing various measures for the eradication of fraud account so far been used as ameans of financial crime, the proliferation of financial fraud, opening and distribution of fraud account is a receiving means forfraud money are also increasing continuously, it is necessary to take countermeasures. In spite of the continuous crackdown offinancial institutions and financial supervisory institutions, it is causing serious damage to society, analyzes the current situationof fraud account, to present an effective and aggressive countermeasure of financial institutions in this paper.
참고문헌 (6)
- the Financial Supervisory Service press release, "Enforcement of delayed extraction system", the Financial Supervisory Service, ~ (2012)
- the Financial Supervisory Service press release, "The fraud account eradication comprehensive measures and execution", the Financial Supervisory Service, ~ (2012)
- the Financial Supervisory Service press release, "The fraud account eradication comprehensive measures non-bank implementation", the Financial Supervisory Service, ~ (2013)
- the Financial Supervisory Service press release, "The analysis of current status of fraud account", the Financial Supervisory Service, ~ (2013)
- the Financial Supervisory Service press release, "The future measures to eradicate the fraud account", the Financial Supervisory Service, ~ (2014)
- the Financial News newspaper article, "Bank ‘the eradication of fraud accounts’toughens rules for opening bank accounts", the Financial News, ~ (2014)