전화금융사기 범죄에 대한 한국 사회의 대응

다국어 초록 (Multilingual Abstract)

This article aims to review our reactions against tele-financial fraud(voice phishing) and explore the appropriate ways how to respond the similar situations, through comparing the experiences of Taiwan. Taiwan government quickly coped with the new telephone cheating. Not just was assigned the police authority the task of controlling new fraud, but the government and private sectors concerned were all together poined to get the diagnosis of the phenomenon and tried to take actions. The task force was formed to receive the victims' call and deal with to investigate the crime within Taiwan national police, and financial and communication sectors had a responsibility to share in preventing telephone fraud. The distinctive features that Taiwan government showed in responding to the new fraud was forming a consultative body including the departments of all sectors concerned with the problem and organically divided up the specified activities such as communication supervision, financial monitoring, education and information for preventing telephone fraud, and arresting fraud groups, etc.In contrast, although there were a few joint correspondences on governmental basis, police, financial companies, telecommunications companies, and the government regulators took actions individually.
Unlike Taiwan, there were no task force of investigation and didn't set up a fraud victim reporting center. Any organic cooperation networks didn't be established and there was no serious consideration about effective
forms of advertising or means of communication. In addition, Korean society had few situational approach to prevent crime opportunity in the context of occurrence Our society is also experiencing similar problems of Taiwan, such as an infinite change and displacement of fraudulent means, the difficulty in controlling to circulate illegal borrowed-name bank accounts, having a hard going to work together to investigate the defrauders, and the institutional restrictions of refunding victims' money. Even though we had a chance to analyze the complex issues and problems around tele-financial fraud more early and devise methods for the effective solutions from Taiwan cases, but we didn't use it efficiently. Taiwan case of telephone fraud showed us the possibility of crime displacement cross the border in the age of globalization. It is possible to find a role model for solving an urgent problem from the unfortunate experiences and the unsuccessful policies of other countries. It told us that if we could cope with the new types of crime originated from the advent of high technology, which across borders throughout the world, it would be necessary to cooperate and build up mutual-assistance systems with other countries. From Taiwan's experiences, we could catch the necessity of special research center to analyse various new types of crime and the importance of an early warning system.

참고문헌 (Reference)

1 경찰청, "홍콩 경찰, 삼합회 연루 전화사기단 조직 검거" 국회도서관

2 국정홍보처, "특별단속으로 전화금융사기 피해 감소 추세. 경찰청 수사국장 보도자료 인용" 국회도서관

3 금융감독원, "증권회사를 사칭한 전화금융사기 주의 요망"

4 금융감독원, "전화금융사기, 작년 하반기에 65.3% 감소"

5 이유주, "전화금융사기(보이스피싱) 대응책의 현황 및 개선방안" 국회입법조사처 2009

6 금융감독원, "전화금융사기 피해예방대책 추진실적 및 향후계획"

7 금융감독원, "전화금융사기 피해예방 현황 및 보완대책"

8 금융감독원, "전화금융사기 정보소외계층(주부, 고연령자 등)에 대한 현장방문 교육 집중 실시"

9 금융감독원, "전화금융사기 예방대책 추진 성과: 전화금융사기 예방대책 시행으로 사기 발생액 급감"

10 금융감독원, "전화금융사기 예방대책 이행실태 점검 및 대국민 홍보 강화"

11 김성언, "전화 금융사기 범죄의 진화: ‘보이스피싱(Voice Phising)’의 피해구조 분석과 대응" 한국공안행정학회 17 (17): 101-149, 2008

12 국회정무위원회, "전자금융거래법 일부개정법률안 검토보고서" 국회도서관

13 금융감독원, "은행 CD/ATM기 계좌이체한도 축소 시행 등 - 전화금융사기에 주의하세요"

14 경찰청, "싱가폴, 전화·문자메시지 이용 복권사기 성행" 국회도서관

15 곽대경, "보이스피싱의 예방과 대책마련을 위한 연구" 한국형사정책연구원 2009

16 국회정무위원회, "보이스피싱 피해보전금 지급에 관한 특별법안 검토보고서" 국회도서관

17 경찰청 수사국 지능범죄수사과, "보도자료" 국회도서관

18 특허청, "금융사기 피싱(Phishing), 첨단기술로 막는다" 국회도서관

19 금융감독원,"공공기관 및 금융회사 사칭 사기전화 주의 요망", "공공기관 및 금융회사 사칭 사기전화 주의 요망"

20 경찰청, "경찰, 보험사기·불법사금융 등 금융범죄 강력단속 - 5개월간 (7.1-11.30) 22,081명 검거, 623명 구속" 2009

21 林宣隆, "電話詐欺犯罪分析與偵査摸式之硏究" 2008

22 "臺灣警察廳, 反詐欺策略成果分析, 2008. 6. 18. 대만-한국 전화사기 수사공 조회의 내부자료"

23 김범수, "日도 ‘보이스피싱’과의 전쟁" 한국일보 2008

24 財團法人 國家政策硏究基金會, "國民論評" 93 (93): 2004

25 中華民國(臺灣), "反詐翩執行成效貞薯 應續宣導, 掃蕩"

26 대검찰청, "“검찰‘민생침해범죄 총력 수사(AIM) 선언’- 전국 민생침해사범 전담 부장검사회의”, 보도자료, 2008. 5. 7"

27 林宣隆, "VoIP 電話詐欺犯罪分析與防制對策之硏究,數位科技與創新管理硏討會 論文編號, 2009年 78號 資通安全組"

28 Bowers, K. J., "Using Publicity for prevention Purposes. in: Handbook of Crime Prevention and Community Safety" Willan Publishing 2005

29 Clarke, R. V., "Situational Crime Prevention: Successful Case Studies" Harrow and Heston 1992

30 Reppetto, T. A., "Crime prevention and the displacement phenomenon" 22 : 166-177, 1976

31 Lab, Steven P., "Crime Prevention: approaches, practices and evaluations (6th edition)" Anderson Publishing 2007

32 김은경, "2008년 한국의 범죄피해에 관한 조사연구(Ⅵ)" 한국형사정책연구원 2009

33 금융감독원, "2008년 국정감사 정무위원회 요구자료(Ⅱ)"