法學論著
  • 社群分享
論著名稱: 論以虛擬通貨首次代幣發行(ICO)-是否有銀行法適用問題之探討-以台灣新北地方法院 106 年金訴字第 8 號刑事判決為例(On the Initial Token Offering (ICO) of Virtual Currency-Is there a Discussion on the application of the Banking Law-Taking the Criminal Judgment No. 8 of 106 th Year of District Court of Xinbei in Taiwan as an example)
編著譯者: 羅裕翔
出版日期: 2021.10.18
資料來源: 台灣 作者提供
頁  數: 25 點閱次數: 690
下載點數: 100 點 銷售明細: 權利金查詢 變更售價
授 權 者: 羅裕翔
關 鍵 詞: 銀行法虛擬通貨首次代幣發行比特幣非法吸金罪詐欺罪有價證券
中文摘要: 台灣的違法吸金新聞層出不窮,詐騙手法層變,而當中各種手法,往往又以吸金詐騙犯所取得的金額最龐大。但在實務上,吸金罪與詐欺取財罪間之競合,一直是有爭論的。所謂吸金行為(違法吸金)是指行為人違反我國銀行法第 29 條、第 29 條之 1、第 125 條之規定,非經主管機關核准的銀行單位,不可經營與銀行相關業務,違法收受款項吸取資金,然再以約定或給付顯不相當之利息、紅利等方式,促使被害人投放資金。簡單來說,吸金犯就是未經主管機關核准,向不特定的多數人招攬收取資金並支付利息。而若是當初招攬收取資金之原因為虛構不存在,或是招攬資金後根本沒有去進行約定的投資,則非法吸金的同時也會成立詐欺行為。在現今朝向無幣紙交易之趨向(亦即電子化支付),故現行吸金集團也不再以「老鼠會」、「多層次傳銷」、「類合會方式」、「投資性契約」來吸引不特定民眾之資金,現在反而會以虛擬通貨:例如比特幣、乙太幣等方式當名目,再透過能短期翻漲倍數來降低民眾之警戒心,當然最後都只是一場夢而已,同時造成金融秩序動盪不安,故就此為文試探討違法吸金罪在實務上所面臨之議題研究。
英文關鍵詞: Banking Law, Virtual currencyInitial Token IssuanceBitcoinIllegal money-sucking crimeFraud CrimeSecurities
英文摘要: Taiwan's illegal gold-sucking news has emerged in an endless stream of scams, and the various methods used in it have often resulted in the largest amount of money fraudsters. However, in practice, the co-opetition between the crime of absorbing gold and the crime of fraudulently obtaining money has been controversial. The so-called act of absorbing gold (illegal absorbing money) means that the actor violates Article 29 of the Banking Law of China, Article 1 of Article 29, Article 125, and the banking unit that is not approved by the competent authority may not operate the business related to the bank, and illegally accepts the money. The funds are absorbed, and then the victim is allowed to deposit funds by means of an agreement or payment of interest and dividends that are not equivalent. To put it simply, the gold-collecting criminals are collecting funds and paying interest to an unspecified majority without the approval of the competent authority. If the reason for collecting funds is that the fiction does not exist, or if the funds are not made after the solicitation of funds, then illegal fraud will also establish fraud. In the current trend towards currency-free paper transactions (ie, electronic payment), the current money-supply group is no longer attracted by "mouse clubs", "multi-level marketing", "combination methods" and "investment contracts". Instead of specifying the funds of the people, they will now use virtual currency: for example, Bitcoin, Ethereum, etc., and then reduce the public's vigilance by short-term multipliers. Of course, it's just a dream and a financial order. It is turbulent and uneasy, so this is a textual study of the issues facing the practice of illegal capital crimes.
目  次: 壹、緒論
貳、非法吸金罪構成要件分析
一、法條規定
二、收受存款之定義
三、擬制收受存款之定義
四、何謂「顯不相當」
五、連續性要件
六、非法吸金罪與詐欺罪間競合之問題
參、虛擬通貨(ICO)成為犯罪之新興手法
肆、現行實務上之案例分析
一、所涉案例事實簡介
二、地院一審如何論罪
三、是否有銀行法之適用問題
四、本案高院之見解
五、小結
伍、實務見解之變遷及中央主關機關之應對建議
陸、結論
相關法條:
相關判解:
相關函釋:
相關論著:
返回功能列