[{"data":1,"prerenderedAt":23},["ShallowReactive",2],{"q-sec_law-115-1-028":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"sec_law","證券商業務員資格測驗——證券交易相關法規與實務","c8",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"sec_law-115-1-028","115-1",28,"洗錢在下列哪一個階段時會變得難以分辨金流來源？",[13,14,15,16],"分層化階段","流入階段","初始階段","整合階段",3,"防制洗錢與法令遵循",1,"洗錢通常分為處置（初始）、分層（多層化）與整合三個階段，其中整合階段是將經過多層化處理的資金，透過投資、購產或營業收入等名目重新導入合法經濟體系，此時金流已與原始犯罪來源脫鉤、外觀上與正常合法資金無異，最難分辨其來源，故 (D) 正確。(A) 分層化階段雖以反覆移轉、拆分增加追查難度，但仍留有金流軌跡可循線追蹤；(C) 初始（處置）階段是不法資金首次進入金融體系，因與犯罪最接近而最容易被察覺；(B) 流入階段並非洗錢三階段的標準名稱。此題考點在辨識三階段的先後順序與各自特徵，尤其整合階段最難追溯。","medium",[],1787293954320]