政府對詐騙集團沒轍？

自由論壇   2006. 10. 13.

 

        詐騙集團透過電話利誘、威脅、詐術等手段，誘騙受害人將錢匯到他們的人頭帳戶。我們也可以虛與委蛇，喬裝上當，套出詐騙集團人頭帳戶的帳號，這叫做以毒攻毒，以其人之道還諸其人。用多數的民眾來圍剿少數的詐騙集團成員，是必勝的戰爭。但是沒有政府的「登高一呼」，沒有全民的響應，也就無法一舉殲滅詐騙集團，使其永久銷聲匿跡。 七月十三日 及 九月十六日 我在「自由論壇」有較詳細的論述。

        八月十四日金融監督管理委員會銀行局來函表示，主管機關已採取多項防制措施：一、加強新存戶開戶之查核工作。二、訂定「金融機關開戶作業審核程序暨異常帳戶風險控管之作業範本」。三、為防杜人頭帳戶匯款，查緝資金流向，自九十五年八月一日起，三萬以上匯款必須確認匯款人身分。四、建制開戶作業查詢系統，對短期內開戶申請過多者，拒絕其開戶。五、制定「防範詐騙提醒事項範本」及「臨櫃作業關懷客戶提問參考範本」，提醒客戶避免受騙。六、修法加重出賣人頭帳戶之罰則。七、研議訂定「警示帳戶聯防機制作業程序」，以利金融機構協助受騙民眾報案，及時阻斷不法資金流出。

        九月二十九日警政署也來函說明，為有效遏制電話詐騙犯罪，近二年半來已分別召開三次「反詐騙跨部會協調會議」，並成立「反詐騙聯防平台會議」，迄今已召開十次會議，研議由電信監督、金融管理、教育、媒體宣傳、警政偵防等方向多管齊下。

        九十五年四月六日刑事警察局成立科技犯罪防制中心，成功地掃蕩多處兩岸電信詐騙平台非法機房，有效打擊詐騙集團上、中、下游各環節。九十五年七月十四日與國家通訊傳播委員會〈N.C.C.〉共同成立「電信詐欺技術諮詢小組」，研商新興電話詐財犯罪問題癥結及相關解決對策。

        我們絕對肯定政府的努力與辛勞，對多次破獲電信詐騙平台非法機房，逮捕詐騙犯罪成員，我們也給予熱烈掌聲。

        但是我們必須承認詐騙集團還是非常囂張，民眾接到詐騙電話的頻率不減反增，詐騙手法更日新月異而防不勝防，上當受騙的還是大有人在，更可惡的是：單一案件的被騙金額還創了三千一百萬的新高記錄。

        這表示過去的種種措施並不能發揮預期的效力，那為何不能試試我的建議呢？

〈作者 - 高為邦，為台灣投資中國受害者協會  理事長〉

Labor plays a key role in reviving the economy

Published on TaipeiTimes http://www.taipeitimes.com/News/editorials/archives/2006/10/08/2003330896 Sunday, Oct 08, 2006, Page 8 The rapid outflow of industry from Taiwan to China has been the primary factor leading to the nation's sluggish economy. But why are Taiwanese businesspeople willing to turn their back on their country and invest in China? A primary reason is the shortage and high cost of labor in Taiwan, making it hard for them to remain internationally competitive.   Given the Taiwanese government's rigid foreign labor policies, there is no way to resolve the labor shortage problem. In order to survive, domestic business leaders cannot help but leave Taiwan in silent protest against the government.   For the general public, the industry exodus has led to factory closures, protests, unemployment, robberies and suicides and difficulties surviving for most people. For the government, it has translated into diminishing tax revenues, increasing welfare expenditures, deteriorating public order, declining social mores and a waning economy.  The government has finally grasped the severity of the situation and is acting to improve the domestic investment environment in the hope of attracting foreign capital and enticing China-based Taiwanese businesses to return.   However, legal restrictions have made past proposals to revive the economy either too idealistic or unfeasible, causing them to miss their mark. As a result, the government still has not been able to provide China-based Taiwanese businesspeople with substantial incentives to return home to do business.   To do so, industrial areas should be designated as separate units within which government officials and business representatives can establish a management committee. The committee will have the right to import labor, and the commission earned from this can be distributed on a proportional basis to businesses in the area.  In this way, labor costs would be cut in half, while foreign workers' salaries would remain unchanged. In other words, this would simply be a way to prevent paying unnecessary commissions to specially privileged labor brokers. This would not only alleviate the cost burden on industries, but also reduce the chance of government corruption.   In addition, a one-to-one ratio for local and foreign labor should be instituted. Many people have been taken in by the myth that foreign laborers are taking jobs away from domestic workers. Without foreign laborers, local workers would lose their jobs anyway as industries that cannot survive relocate abroad.   But how can Taiwan ensure that hiring foreign laborers would not mean lost employment opportunities for local workers?   The government could stipulate that factories cannot cut their number of domestic workers simply to hire foreign labor. For new factories, the one-to-one ratio should apply. Doing this will ensure that the number of local work places will increase, rather than decrease, as a result of the importation of foreign labor.   While these policy adjustments may not be able to lower labor costs to China's level, they can help promote Taiwan's economic competitiveness.  Fortunately, labor costs account only for a portion of production costs. Taiwan's manufacturing industry also has other advantages, such as low investment risks, easy access to financing, the added value of the "Made in Taiwan" label and worry-free sustainable management.   I believe that these are the only conditions under which China-based Taiwanese businesspeople will have the confidence to return to Taiwan. Aided by their return, Taiwan will be able to recover from its economic predicament and create a second economic miracle.  William Kao (高為邦) is chairman of the Victims of Investment in China Association. Translated by Lin Ya-ti

 

先有大投資 才有大溫暖

自由論壇 2006. 10. 5.

        不久前行政院提出「大溫暖 大投資」計劃，在肯定之前，很耽心「大溫暖」只是齊頭式的津貼，而無法集中於真正弱勢族群，徒增國家債務。「大投資」若不能對症下藥，那恐怕又如以往的「全球運籌中心」、「八一○○ 台灣起動」、「加值島服務中心」等計劃，只是口號政策，在畫大餅而已。

        台灣產業大量地及快速地外移中國，是造成今天台灣經濟困境的主要原因。為什麼台灣的產業願意離鄉背井移往中國大陸去經營呢？因為在台灣他們無法獲得足夠的勞力支援，較高的工資使留在台灣的產業失去國際競爭力。
   
        在政府僵硬的外勞政策下，無法解決產業的勞工需求，產業為了生存只好出走，這是台商對政府的無言抗議。

        對老百姓來說，產業外移伴隨而來的是關廠、抗爭、失業、搶劫、自殺，老百姓民不聊生；對政府來說，產業外移伴隨而來的是稅收減少、福利支出增加、治安敗壞、世風日下、經濟蕭條，政府窮於應付。

        近年來政府也知道事態嚴重，所以才要改善投資環境以吸引外資，更進一步希望爭取台商回流。基於既有法令的束縛，過去所提的挽救經濟方案，不是理想太高，難以達成，就是沒有對症下藥，引不起台商回流的興趣。在此，我再次提出以下建議，請政府參考。

        首先以既有工業區為單位，區內官員與廠商代表共組管理委員會，管理委員會有權自行引進外勞，再將國外及國內的巨額佣金按比例回饋給區內廠商。如此一來廠商的勞工成本減半，每月可從二萬元降低為一萬元，外勞所得不變，只是取消了特權寄生在產業的仲介費而已。這不但大大減輕產業的負擔，也減少政府官員貪污的機會。

        再將外勞雇用的比例增高為一比一，雇一個本勞就有權雇一個外勞。很多人都有一個錯誤的成見，認為多雇用一個外勞就搶走一個本勞的工作機會，其實恰恰相反，因為沒有外勞的加入，有些產業根本無法生存，產業外移本勞也跟著失業。更何況許多辛苦的、骯髒的、危險的工作本勞根本不願意做。

        如何保證提高外勞比例不會影響本勞的工作機會？政府可以規定現有工廠雇用本勞的人數不能因增雇外勞而減少，新設工廠之工人雇用以一比一為準，如此一來本勞的雇用只會增加不會減少。

        以上調整雖然不能把勞力成本降到中國的水準，但已經大大地提高了台灣的競爭力。所幸勞力成本不是唯一的成本，加上在台灣生產的其他優勢：如投資風險小、融資容易、Made In Taiwan的價值、能夠安心地永續經營。

        我深信，在這樣的情況下，台商才有信心回來，只要有一部分台商回流，台灣就能脫離困境，並會進一步創造第二次經濟奇蹟。

〈作者 - 高為邦，為台灣投資中國受害者協會理事長〉