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    题名: 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
    贡献者: 臧正運
    Tsang, Cheng-Yun
    黃邦平
    Huang, Pang-Ping
    关键词: 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
    上传时间: 2023-09-01 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
    数据类型: thesis
    显示于类别:[法學院碩士在職專班] 學位論文

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