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題名 人工智慧法遵科技應用之監理制度省思－以金融機構防制洗錢的規範與實踐為核心
Reflecting on the Regulatory System for the Use of Artificial Intelligence in Regtech in Technological Applications: A Focus on Norms and Practices of Anti-Money Laundering in Financial Institutions
作者 黃邦平
Huang, Pang-Ping
貢獻者 臧正運
Tsang, Cheng-Yun
黃邦平
Huang, Pang-Ping
關鍵詞 人工智慧
新興科技風險
洗錢防制
法遵科技
數據治理
日期 2023
上傳時間 1-Sep-2023 15:58:53 (UTC+8)
摘要 在國際間，監管機構對金融機構的洗錢防制要求越來越嚴格，處罰違規行為的懲罰也不斷升高。因此，金融機構需要提高法令遵循能力，同時降低不必要的遵循成本。為應對這些挑戰，金融機構開始廣泛應用法遵科技來改善遵循流程和合規文化。然而，法遵成本的上升使得金融機構的獲利能力受到影響，尤其對於資金有限的小型機構而言，面臨更大的挑戰。
與此同時，人工智慧在金融機構，特別是洗錢防制方面的應用已成為一個關鍵趨勢。然而，隨著技術的進步和廣泛應用，也帶來了一系列的法律、道德和監管問題。在這樣的背景下，探討人工智慧法遵科技應用之監理制度對於金融監理機構、金融機構及社會大眾都具有極高的重要性。
當引入人工智慧等新興科技時，金融機構需要仔細評估可能帶來的風險，包括對新興科技不了解的應用風險，以及數據安全性和隱私保護等方面的挑戰。因此，建立適當的風險評估和管理機制至關重要，以確保這些科技在洗錢防制方面的合規性和有效性。
本研究將探討金融機構對法遵科技的運用，以及洗錢防制法規與實踐的現況。同時，比較各項人工智慧法遵科技核心技術及其相應的風險，並架構出一洗錢防制法遵科技風險地圖，對於金融監理機關、金融機構董事會與高階管理層，以及金融機構法遵與內部稽核單位等不同受眾，嘗試提出可行的整合解決方案。
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描述 碩士
國立政治大學
法學院碩士在職專班
107961053
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0107961053
資料類型 thesis
dc.contributor.advisor 臧正運zh_TW
dc.contributor.advisor Tsang, Cheng-Yunen_US
dc.contributor.author (Authors) 黃邦平zh_TW
dc.contributor.author (Authors) Huang, Pang-Pingen_US
dc.creator (作者) 黃邦平zh_TW
dc.creator (作者) Huang, Pang-Pingen_US
dc.date (日期) 2023en_US
dc.date.accessioned 1-Sep-2023 15:58:53 (UTC+8)-
dc.date.available 1-Sep-2023 15:58:53 (UTC+8)-
dc.date.issued (上傳時間) 1-Sep-2023 15:58:53 (UTC+8)-
dc.identifier (Other Identifiers) G0107961053en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/147180-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 法學院碩士在職專班zh_TW
dc.description (描述) 107961053zh_TW
dc.description.abstract (摘要) 在國際間，監管機構對金融機構的洗錢防制要求越來越嚴格，處罰違規行為的懲罰也不斷升高。因此，金融機構需要提高法令遵循能力，同時降低不必要的遵循成本。為應對這些挑戰，金融機構開始廣泛應用法遵科技來改善遵循流程和合規文化。然而，法遵成本的上升使得金融機構的獲利能力受到影響，尤其對於資金有限的小型機構而言，面臨更大的挑戰。
與此同時，人工智慧在金融機構，特別是洗錢防制方面的應用已成為一個關鍵趨勢。然而，隨著技術的進步和廣泛應用，也帶來了一系列的法律、道德和監管問題。在這樣的背景下，探討人工智慧法遵科技應用之監理制度對於金融監理機構、金融機構及社會大眾都具有極高的重要性。
當引入人工智慧等新興科技時，金融機構需要仔細評估可能帶來的風險，包括對新興科技不了解的應用風險，以及數據安全性和隱私保護等方面的挑戰。因此，建立適當的風險評估和管理機制至關重要，以確保這些科技在洗錢防制方面的合規性和有效性。
本研究將探討金融機構對法遵科技的運用，以及洗錢防制法規與實踐的現況。同時，比較各項人工智慧法遵科技核心技術及其相應的風險，並架構出一洗錢防制法遵科技風險地圖，對於金融監理機關、金融機構董事會與高階管理層，以及金融機構法遵與內部稽核單位等不同受眾，嘗試提出可行的整合解決方案。		zh_TW
dc.description.tableofcontents 摘要 vii
第一章 緒論 1
第一節 研究背景與緣起 3
壹、 研究背景 3
貳、 研究緣起 6
第二節 研究動機與目的 7
壹、 研究動機 8
貳、 研究目的 9
第三節 研究方法與論文架構 10
壹、 研究方法 11
貳、 論文架構 12
第二章 金融產業對於法遵科技之運用 14
第一節 法遵科技之興起與運用 14
壹、 法遵科技之概念 14
貳、 法遵科技之發展與效益 15
第二節 小結 18
第三節 金融法遵科技之運用基礎與現行發展 20
壹、 法遵科技應用與資料面向 22
貳、 運用場景與流程自動化 29
參、 運用場景與資料視覺化 30
肆、 法遵科技應用現況 31
伍、 小結 32
第四節 法遵科技之核心技術與風險 32
壹、 密碼學 36
一、 同態加密 37
二、 零知識證明 40
三、 安全多方計算 42
四、 差分隱私 43
五、 小結 44
貳、 進階式資料探勘與數據分析 44
一、 機器學習-監督式、非監督式和強化學習 46
二、 聯盟式學習 48
三、 深度學習 49
四、 自然語言處理 50
五、 網絡分析 50
六、 小結 53
參、 資料處理和傳輸的基礎設施 54
一、 可信執行環境 54
二、 雲端運算 57
三、 分散式帳本技術 60
四、 應用程式介面 65
五、 小結 67
第五節 人工智慧法遵科技衍生的風險 67
壹、 國際組織重要標準與文件 68
一、 聯合國 68
二、 經濟合作暨發展組織 68
三、 國際個資與隱私保護委員會 69
四、 沃爾夫斯堡集團 70
貳、 各國家與地區主要規範 71
一、 歐盟 71
二、 美國 74
三、 中國大陸 83
四、 澳洲 84
五、 新加坡 84
六、 香港 85
七、 臺灣 85
八、 小結 86
第六節 小結 94
第三章 金融機構洗錢防制法遵科技應用概況 97
第一節 洗錢防制法遵科技應用場景 97
壹、 客戶身分識別與盡職調查 97
貳、 風險管理與監控 99
參、 交易監控 101
肆、 可疑交易申報 102
伍、 姓名與名稱檢核 104
陸、 功能測試與模型有效性驗證 106
柒、 自建資料庫 107
捌、 資訊分享 109
第二節 小結 110
第四章 洗錢防制法遵科技風險地圖 112
第一節 洗錢防制法遵科技風險地圖 112
第二節 洗錢防制法遵科技之風險因應策略 115
第三節 小結 116
第五章 結論 119
第一節 研究結論 119
第二節 未來研究建議 122
參考文獻 125		zh_TW
dc.format.extent 42698838 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0107961053en_US
dc.subject (關鍵詞) 人工智慧zh_TW
dc.subject (關鍵詞) 新興科技風險zh_TW
dc.subject (關鍵詞) 洗錢防制zh_TW
dc.subject (關鍵詞) 法遵科技zh_TW
dc.subject (關鍵詞) 數據治理zh_TW
dc.title (題名) 人工智慧法遵科技應用之監理制度省思－以金融機構防制洗錢的規範與實踐為核心zh_TW
dc.title (題名) Reflecting on the Regulatory System for the Use of Artificial Intelligence in Regtech in Technological Applications: A Focus on Norms and Practices of Anti-Money Laundering in Financial Institutionsen_US
dc.type (資料類型) thesisen_US
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