咕咕愛囉唆

認識「洗錢」學會防制Clean of Dirty Money?

破解洗錢三階段,防制不法髒錢合法化 Criminals use money laundering to try to hide their illegal money

貪婪是驅使多數罪犯艇而走除的原因；但是，非法所得並不能光明正大用於合法消費。

透過非法活動取得的金錢必須先進入合法金融體系。

而「洗錢」能讓大量非法所得看似來自合法企業。

因此政府藉由制定相關政策、程序以及運用科技手段技術，全力強化洗錢防制措施；希望能迫使不法犯罪分子無從隱藏其不義之財。

洗錢通常可概分為三個階段。

首先是「處置」；不法所得黑錢滲入金融銀行體系。

金額通常相當龐大的資金常會分散流入大量個人帳戶或存放在空殼公司中。

第二階段是「多層化」；不法犯罪分子為了使現金流不易被發現，會利用多個帳戶頻繁移轉資金;使得追蹤不法資金的線索非常混亂。

最後階段是「整合」；當不法資金轉回金融體系時，相關單位便很難這查其犯罪源頭了。

Greed drives most criminals. But their illegal profits can't easily be used to buy anything legally without being noticed

by the authorities. The money from their unlawful activities must first be introduced into the legal financial system.

Money laundering allows large amounts of illegally made money appear to come from legal businesses. By creating policies and procedures and

using technology, governments strive to prevent this crime. They want to make it impossible for criminals to hide their ill-gotten gains.

Money laundering can generally be divided into three stages. First is placement. The dirty money from criminal activities is put into the banking system. The generally large amount of

money is usually spread among a large number of personal accounts or placed in shell companies. Layering is the second stage. In order to make the cash flow less detectable, criminals move the money in

and out of multiple accounts. This makes tracing the money very confusing. Last comes integration. When the money is transferred back into the financial system, it makes it difficult for authorities to trace its criminal source.

geed（n.）貪婪；貪心

Henry’s greed for money and power is the reason he lost all of his friends. 貪圖金錢和權力

Amanda is extremely selfish because of her greed.

greedy （adj.）貪心的

Susan and Bob didn’t leave any cake for anyone else because they are very greedy.很貪吃

Financial（adj.）財務的

Most students need some financial assistance to go to university.

Bruce’s company was not a financial success, and he finally had to close it down.財務狀況不佳，不得不結束營業

Financial（v.）提供資金

The city financed free outdoor concerts las summer. 免費贊助戶外音樂會

Money laundering

laundromat自助洗衣店

to drive（當動詞）

motivated, something gives power to somebody to do something

have a drive to do　（當名詞）

Authority

Could be referring to the police or anybody else in the government

unlawful vs. illegal

But for me, when I think of the word "illegal," it's simply just... it's not emotional. It's just: OK. This is against the law.

Whereas if someone says something is unlawful, then there's an emotional or moral feeling attached to that word.

procedure

An established or an official method or way of doing something

ill-gotten gains不法所得

blood money血汗錢；透過苦難或壓榨賺來的錢；支付給殺手的錢

My Dad worked himself to death for this blood money.

could also be money paid to the family of someone who was killed or even paid to hire a killer.

blood diamonds

The diamonds mined in a war zone and are often sold to make money for continuing conflict

Also referred to as conflict diamonds.

integration 融合

The integration of the information headquarters received from its branch offices into the overall plan helped the managers to make good decisions.

Back in the 1960s, racial integration in schools began in the southern part of the U.S. 校園族群融合

Economic integration came about in Europe when the European Union was formed. 經濟整合

transfer （v.）轉移

Sheldon transferred some rent money into his son’s checking account to help Tim out when he was looking for a job.

transfer （v.）轉接

Could you please transfer my call to Ms. Darlene Wright's office?

transfer （v.）轉機

Your flight from here to Newark is not non-stop, which means you’ll have to transfer in Detroit.

generally

in most cases

shell company

a fake company, or rather, it’s a real company that’s specifically used for illegal purposes.

layering

quick-change artist

Well, you usually find these criminals in tourist areas.

And what they do is they target people who aren't used to that currency.

So, for example, if you're traveling, and the currency you are using isn't one in your home country and you go to buy maybe a souvenir or something like that from the street.

When you start to hand them the money to pay for your items, they start to give you change very quickly.

I have the authority to give parking tickets.

You have two weeks to pay the fine.

I have the authority to arrest you.

Put me in jail.

money doesn’t grow on trees（提醒別人花錢時要謹慎）錢可不是從樹上長出來的，錢可不是從天上掉下來的

You have to work hard for money. You have to earn money. You can’t just go outside and pick it off of a tree.

put your money where your mouth is 以實際行動支持；以行動證明自己的話

another way of expressing that you’re actually going to do what you say you think is so valuable.