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庞氏骗局的实施,需要借助金融机构的帮助,银行为他们汇集投资者的投资款,再将其返回给投资人,并通过电汇的方式完成洗钱活动。如果银行多次通过个人理财顾问帮助资产富有的客户进行诈骗,银行实质上已经卷入了交易活动,银行承担法律责任的风险也成倍增加。犯罪分子利用这种方式使银行成为构建骗局的一个工具。在史密斯诉第一联合国民银行案中,银行因完成了大量被犯罪分子用来洗钱、联络、借贷的异常电汇,最后以银行赔偿五百万美金的和解而告终。如果银行和其他金融服务机构非但不提高警惕而且还故意无视犯罪行为,那么上当受骗的投资者和消费者就会转向银行索求赔偿。
The implementation of the Ponzi scheme needs the help of financial institutions. The banks collect investment funds from investors and return them to investors, completing the money laundering activities by telegraphic transfer. Banks have virtually been involved in trading activities if their banks help individuals with rich assets to go through fraud on several occasions through personal finance advisors, and the risk of banks taking legal responsibility has multiplied. Criminals use this approach to make banks a tool for building scams. In Smith v. The first UN-BANK case, banks completed a large number of unusual wires used by criminals for money laundering, liaisons and loans, culminating in a settlement of five million U.S. dollars by banks. If banks and other financial services agencies not only raise their guard but also deliberately ignore criminal acts, the deceived investors and consumers turn to the banks for compensation.