[Central News Agency] The Financial Supervisory Commission recently sent a letter asking banks to monitor ATM screens. Legislators questioned that bankers should act as Detective Conan. The Financial Supervisory Commission stated today that banks should set risk-based information system parameters and control them. If suspicious situations are found, further steps will be taken The investigation is not to ask bankers to stop real estate speculators through a comprehensive check of ATM transactions.

Legislator Lin Chuyin of the Democratic Progressive Party raised questions at the Finance Committee of the Legislative Yuan on the 5th. In order to crack down on real estate speculation, the Financial Supervisory Committee sent a letter requiring banks to monitor ATM screens. Is the practice more effective than half the effort? .

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Lai Xinguo, deputy director of the Inspection Bureau of the Financial Supervisory Commission, explained at a regular press conference today that the previous letter sent by the Financial Supervisory Commission to the Association of Banks was not to ask banks to monitor every transaction, but to monitor based on risk control and identify which ones are really high. Risk customers, which ones may be involved in real estate speculation.

Lai Xinguo gave an example. The bank can use the information system to filter out a certain period of time. For example, within a period of one month, the same ATM is used to deposit cash into the debit accounts of different mortgage customers of the bank. If a third person deposits funds Pay the interest on behalf of the bank, and then further initiate the investigation mechanism to control the credit risk.

In other words, banks can set information system parameter controls based on their own risk considerations, and start further investigations if suspicious situations are found. It is not necessary for bankers to thoroughly check ATM transactions to find real estate speculators.

Lai Xinguo said that banks should be based on risk, effectively identify and control risks, and establish effective monitoring and prevention mechanisms for high-risk investors, real estate speculators, and high-risk households, and avoid causing inconvenience to general mortgage customers and increasing The banker's burden.

Lai Xinguo said bluntly that in recent years, it has been discovered that criminals or people with intentions use ATMs to deposit and withdraw cash to avoid investigations into the flow of funds. Therefore, it is necessary for banks to establish a mechanism to monitor abnormal ATM transactions. The relevant measures are to protect the rights and interests of customers, and at the same time to control bank risk.

As for the fact that the Financial Supervisory Commission found out that real estate speculators used ATMs to evade the investigation of capital flows, Lai Xinguo showed a screenshot of a de-identified image at a regular press conference. The employees of the real estate group are uniformed and deposit cash for the third person to pay the mortgage interest through the ATM.

Lai Xinguo mentioned that the inspection bureau found that the specific group used ATM deposits in 7 accounts, and there were as many as 3 cash payments in the same account within a short period of time.

Lai Xinguo said that during the financial inspection, the inspection bureau found that a specific group applied for housing loans, and there were abnormalities in the bank's credit collection and post-loan management. After further investigation, the group was reported by the media as having real estate speculation, so it reminded the bank to pay attention to the real estate group. It is not directly determined by the inspection bureau that the group is involved in real estate speculation.

(Editor: Pan Yijing) 1111206

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