| المستخلص: |
يهدف الموضوع الذي نحاول تناوله في عملنا هذا إلى إظهار إشكالية الجرائم المالية الإلكترونية، ومدى تطور الأزمة التي تعاني منها القطاعات المصرفية بسبب تطور التقنية والتكنولوجيا في عالم الأنترنت. التي ساهمت بدورها بتطور عمل المحتالين الإلكترونيين بسبب استخدامهم لهذا القطاع حيث باتوا يتطورون وفقا لتطور هذه التقنية الحديثة لذلك حاولنا طرح الأسئلة التالية في معالجتنا للمشكلة: 1- الجرائم المالية وتأثيرها على الاقتصاد العالمي المرتبط بعالم العولمة. 2- تطور التقنية الإلكترونية داخل المؤسسات المصرفية والتي ساهمت بدورها بتطوير مفاهيم جديدة لدى الهاكر العالمي. 3- الوسائل التي تتبعها المجموعات التي تعمل علي فتح الحسابات المالية والمصرفية وتشكل خرق للخصوصيات العامة والخاصة. تهدف هذه الدراسة من خلال المحاولة التي نقدمها إلى وضع فرضيات لمعالجة الإشكالية التي تنجم عن الأضرار التي تحدثها عمليات الاحتيال المادي وتكمن بالتالي: - نشر ثقافة عامة لدى كافة المواطنين لمحاربة هذه الشريحة. - تطوير البرامج والتقنيات الإلكترونية التي تحاول الحد من هذه العمليات. - استخدام القوانين المحلية والدولية لمعاقبة وملاحقة المخلين بالإعمال الاقتصادية والاحتيال. - تطوير شبكات المراقبة الأمنية والتقنية في العالم من خلال الدورات والدراسات العلمية.
Within the development of the social network and the communication, the evolution of the globalization a connection was created between finance and communication field that lead to the usage of e banking by companies, banks, industrial institution. This revolution urges the humanity to move from traditional way of thinking in order to adapt the new system's needs. This development affects positively the economical and financial fields. Under these new aspects the online trading found its way into the markets, creating on the same level a path for the backers to improve their technological skills which threaten any online exchange or deals. n our research, we are trying to shed light on financial crimes in banks, especially in the last few years of the third millennium which has witnessed the development of technology and techniques of electronic communication which has reflected itself on the banks and managing variable and fixed expenses of its business and developing its services with companies and clients, motivated by commercial and financial competition. Banks started adopting latest technologies to provide electronic services to its clients. The intended financial and electronic processes that banks and financial companies have from innovative services that depend on electronic communication that can only be accessed by members that are signed up with this. According to the terms of membership determined by companies, banks and commercial banking networks through one of the electronic ports as a means of direct communication with clients. Hence, we are now in a new world that has repeated extortion, penetration and illegal profits. Looting, fraud or crimes deliberately harm to individuals and institutions of the state or to other countries. And this fact came through the rise of electronic crimes which have increased in the past few years. With the increasing reliance on cyberspace for the transmission of money and commerce by the infrastructure of this space which has increased the maturity and awareness of crooks and thieves of the new space who are called (Hackers) and these group of people that carry out fraud operations through quality work and their operations work with good coordination and preparation of the attacks to be more effective with high financial returns for these groups , through the use of technology and programming which are approved by the programming and information companies
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