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首季長者投資騙案捲款3.3億增近七成 警方夥金管局打擊「傀儡戶口」轉帳
警方在今年首季錄得1,264宗長者受騙案,當中329宗為投資騙案,損失金額3.3億元按年升近七成。首季整體騙案則錄得9,427宗,並拘捕1,961人涉各類騙案罪行,按年升14%。投資騙案佔整體一成、錄得1,003宗,損失金額6.8億元。其中損失金額最大的個案,涉及一名67歲外籍男商人,與另一自稱「投資專家」發展成網戀關係,他在半年間將價值8,479萬元加密資...
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首季長者投資騙案捲款3.3億增近七成 警方夥金管局打擊「傀儡戶口」轉帳
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警方在今年首季錄得1,264宗長者受騙案,當中329宗為投資騙案,損失金額3.3億元按年升近七成。首季整體騙案則錄得9,427宗,並拘捕1,961人涉各類騙案罪行,按年升14%。投資騙案佔整體一成、錄得1,003宗,損失金額6.8億元。

其中損失金額最大的個案,涉及一名67歲外籍男商人,與另一自稱「投資專家」發展成網戀關係,他在半年間將價值8,479萬元加密資產轉至騙徒電子錢包,至無法提取收益時始知被騙。

在警方記者會上,有具學士學位的六旬退休女士分享,去年觀看Facebook投資廣告後,被加至通訊群組,有人假冒資深投資人郭思治,「唱高」成交冷清的細價股,炒高股價後迅速「散貨」套現。騙徒訛稱可作賠償,並建議她將股票餘額轉帳至傀儡戶口。該女士收到1萬元賠償後,「無嘗試相信自己墮入騙局」,先後十多次轉帳再轉至多個戶口,最終損失逾100萬元。

警方研究顯示,具投資經驗人士愈有信心,反而愈會掉易輕心。具經驗者損失金額為105萬元,比不具投資經驗者多一倍。另外,教育程度愈高,損失金額亦愈高,具碩士學位人士的損失金額,比小學學歷人士多四倍。

為遏止投資騙案,警方與金管局、證監會等推出一系列應對措施,包括計劃今年內降低遙距開戶新客戶向第三方每日轉帳限額至不超過10萬元等,提高騙徒利用「傀儡戶口」轉帳的難度。

金管局助理總裁(法規及打擊清洗黑錢)陳景宏表示,證監會將與銀行分享警示名單,列出可疑投資產品或平台,透過銀行網絡分析找出潛在受害人,再透過銀行間訊息交換平台(FINEST)分享客戶資料,希望盡早聯絡受害人。截至3月底已有16間銀行參與,目標今年第二季涵蓋28間銀行,佔市場九成半。

陳景宏表示,銀行會監察使用情況,如信納非傀儡戶口,可按風險為本調升轉帳上限。他又指,大部分客戶轉帳是10萬元以內,只有少數客戶需要高金額轉帳,料對普遍市民影響不大。

此外,金管局與警方將試行跨機構開戶數據分析提早識別傀儡戶口。陳氏解釋,以往曾有人在網上銀行於零晨時份短時間內開數個戶口,或境外人士來港同時到數間分行開戶口,個別銀行未必偵測到。透過結合開戶數據和警方提供的可疑戶口情報,建立可評估傀儡戶口風險的機器學習模型,讓銀行透過「紅燈制度」及早識別和監察帳戶。(da/j)

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