Page 92 - the taiwan banker 2024.06(174)
P. 92
ᝈ˂ɨ
ί๕Іʕࡡࣘٙځ˄̵ყ൱ əהፗٙ࠭፺Փܓdவ݊˸҂ಃٙ
ʕdߕऊ൬٫͜ߕʩ˕˹၌ପۜdʕ ࠭፺ԸնΤdɰ˸ڛזЬႧٙΤ၈
ርࠅӋ͜ɛ͏࿆˹ಛdϾኈГࡩ̋ʈ ۞͙זHawalaһމɛהٝٙɓ
٫ɰၾߕeʕՇ˙ආБ൱dவԬ፺ೌ ၇Փܓfίߕீཀ͕ໆᒃٙߕʩ̙
جٜટ༨ྤݴਗf՟Ͼ˾ʘdவԬໆ͕ ঐ௰ݴΣࡈή˙fɓࡈ݊ίߕٙ
ਗ਼ӊ၇࿆ڭवίՉІٙdˀϾ ʕ֢͏ᔷϓҳ༟א˕̈කቖdరӋ
༨ྤᔷϞᄆ࠽ٙيۜfʕݹ፺ଡ଼ᔌ ᒒʕٙ༟ږ၍Փiʕʫҳ༟ᐑྤ
ᔊ၈CMLOsʊᜊһ̋ኸڗவԬ ెʷٙઋرɨdࠢՓӊɛӊϋ̙ි̈ྤ
ЪdڐಂɰίኈГࡩனݭණྠٙήᆵɪ՟ ̮ɪࠢމ5ຬߕʩf̤ɓ၇މɛהٝٙ˙
˾ə˼ࡁf ج݊˾ᒅdא˾ڌՉ˼ɛમᒅf࣬
ߕɺτΌɺτΌሜݟ҅͂Ꮨ ኽ༈ፑdᘼ؈ପۜԷν౽ᅆ˓ዚϞԄ
༨ଡ଼ᔌ͕ໆٙ˾ଣпଣ˴Ԣ̔εh৵ λٙᄆ࠽ܓd̙˸ྼყ༶Ցʕආ
ߒזဧRicardo Mayoralί4˜30˚ Бቖਯf
ึЪᗇࣛڌͪjʕݹ፺ଡ଼ᔌʊ˴ ίவཀʕ൳Ը൳ ࠠ ࠅ ٙ ɓ ࡈ ༩ ࢰ
əߕdɗЇΌଢٙɽʱݹ፺ݺਗf ᓃ݊ᓿي̔dவԬ݊ၾत֛ۜᗫٙ
̘ϋึϣᛓᗇึආɓӉ༉Ⴍ ཫ˹̔אᎷ࠽̔dɰஷ੬ٟ݊ʹʈൟ
organizations (abbreviated as CMLOs) have 50,000 per year per resident amid a deteriorating
become much more adept at these operations, domestic investment environment. Another
recently also displacing the Mexican cartels on method is known as daigou, or purchases made
their home turf. on behalf of others. Under that scheme, Apple
“CMLOs have come to dominate much of the products such as smartphones offer good value
money laundering activity in the United States as density and can be shipped physically to China to
well as globally,” said Ricardo Mayoral of the US be sold there.
Department of Homeland Security (DHS) in April One waypoint of increasing importance in
30 testimony before Congress. this process is gift cards, which are either prepaid
Previous congressional hearings last year or top-up cards tied to a specific brand, which
had further detailed the so-called fei ch’ian are often the preferred method of payment for
system, named after the “flying cash” of the social engineering scammers. They may be able
Song dynasty (a system also better known to buy the aforementioned phones with the money
by its Arabic name, hawala.) Dollars earned on an Apple card; more sophisticated criminal
in the US through crime may end up in several organizations have also set up fraudulent apps on
places. One is investment or spending by Chinese the App Store with in-app payments, which can
residents in the US, seeking to evade China’s also be paid using gift cards.
currency controls which limit outflows to US$ Gift cards are gradually entering the public
92 台灣銀行家 2024.6
1 5% JOEE