問30
頻出度★★☆
犯罪によって得た資金を正当な手段で得たように見せかける行為を防ぐために, 金融機関などが実施する取組を表す用語として, 最も適切なものはどれか。
令和5年度 ITパスポート試験 問30
ストラテジ系ビジネスインダストリ › e-ビジネス
This question's explanation and your answers so far.
解説
問 30
- ア
正解 The correct answer is ア, “AML (Anti-Money Laundering).” The act described in the question, “making funds obtained through crime appear to have been obtained through legitimate means,” is what is known as money laundering. AML literally means “Anti-Money Laundering,” and refers to the set of measures by which financial institutions and others prevent and deter money laundering through customer identity verification (KYC), transaction monitoring, reporting of suspicious transactions, and so on. This matches exactly the question’s “measures taken by financial institutions and others to prevent money laundering,” so ア is the most appropriate.
Incorrectイ
Insider trading regulation prohibits those in a position to know a company’s material non-public information from using that information to trade stocks and the like. It protects the fairness of securities markets and is not a measure to prevent money laundering that conceals the source of criminal funds, so it is incorrect.
Incorrectウ
Skimming is itself a technique of illegally reading and stealing the magnetic-stripe information of credit cards or debit cards using card-reading devices and the like. It is a criminal method for taking funds, not a measure by financial institutions to prevent money laundering, so it is incorrect.
Incorrectエ
Phishing is a fraud technique that lures users with fake emails or fake websites impersonating financial institutions and the like, in order to steal IDs, passwords, card numbers, and so on. This is also a wrongful act by the attacking side, not a term denoting a measure to prevent money laundering, so it is incorrect.
ここがポイント
- Money laundering is the act of concealing the source of funds obtained through crime and making them appear to have been obtained legitimately. The measures by which financial institutions and others prevent this are AML (Anti-Money Laundering).
- For the abbreviations and katakana terms in the choices, distinguish whether each is a measure on the defending side or a technique on the attacking side. Skimming and phishing are attack techniques, whereas AML is a framework of countermeasures — that is the key to telling them apart.
用語