I've handled some of new York's biggest white collar crimes,

我已經處理了一些紐約最大的白領犯罪。

including defending those accused

包括為被指控者辯護

of insider trading and political corruption.

內幕交易和政治腐敗。

- [Narrator] Today, Vinoo is going

- [旁白]今天，Vinoo要走了

to review financial crimes and TV and movies

審查金融犯罪和電視電影

to determine what Hollywood gets right and wrong.

來判斷好萊塢的對與錯。

[upbeat sleuth music] [coffee pouring]

[歡快的偵探音樂] [倒咖啡]

[fan whirring]

[風扇呼呼]

[TV dial clicking] [electric humming]

[電視轉盤點擊] [電動嗡嗡聲]

As you're watching these clips,

當你在看這些片段時，

bear in mind that anyone can be a victim

要知道，誰都有可能成為受害者

of financial crime, not some little old lady

而不是什麼老太太

but also the college-educated person who thinks he

但也是受過大學教育的人，他認為自己

or she knows what he's doing when it comes to money.

或者她知道他在做什麼，當涉及到錢。

[TV static buzzing] [upbeat sleuth music]

[電視靜電嗡嗡聲] [歡快的偵探音樂]

First step, "Catch Me If You Can."

第一步，"如果你能抓住我"。

- [Frank] Most trusted name in the sky.

- 天空中最值得信賴的名字。

- [Vinoo] In this scene, young Leo playing Frank Abagnale

- [Vinoo]在這場戲中，年輕的Leo扮演Frank Abagnale。

is forging checks.

是偽造支票。

- [Frank] I have to earn my wings real soon.

- 我必須儘快贏得我的翅膀。

Please get in touch with Joanna Carlton from the 10th grade.

請與10年級的Joanna Carlton聯繫。

Tell her I'm sorry that I could

告訴她我很抱歉，我可以

not take her to the junior prom.

不帶她去國中舞會。

Love, your son, Frank.

愛你的兒子，弗蘭克

[bright pleasant instrumental music]

[明亮悅耳的器樂]

- So a lot of fun facts here about Frank Abagnale.

- 關於弗蘭克-阿巴戈內爾，這裡有很多有趣的事。

In 1967, he was able to pass the Louisiana bar exam

1967年，他通過了路易斯安那州的律師資格考試。

without ever having gone to law school.

而沒有上過法學院。

There's so much about this guy.

這傢伙有太多的特點。

Ultimately, he became an FBI informant,

最終，他成了聯邦調查局的線人。

and now he runs a consulting company.

現在他經營著一家諮詢公司。

[pleasant instrumental music] [water sloshing]

[悅耳的器樂聲] [水流聲]

In this scene, he is creating a fake check,

在這一幕中，他正在製造一張假支票。

and he does that by using the actual logo

而他的做法是使用實際的標誌

by putting it in a tub and pasting it

把它放在盆裡，然後貼上

onto this piece of paper.

到這張紙上。

Today, you could do all of this in 15 minutes.

今天，你可以在15分鐘內完成這一切。

Didn't have to go through the whole rigamarole

不需要經歷所有的繁瑣過程。

that he went through back during the movie

他在電影中經歷的

back in those days.

當年。

So it's a lot easier today, but of course,

所以今天就輕鬆多了，不過當然。

very few people use checks, and therefore, [laughs]

很少有人使用支票，是以，[笑] 。

it makes it these checks are scrutinized more

使得這些檢查更加嚴格。

when they're actually put into a bank.

當他們真正投入銀行時。

[pleasant instrumental music] [muffled chatter]

[愉快的器樂] [低沉的交談聲]

- Hello, how are ya? - Fine, thanks.

- 你好，你好嗎？

- So bank tellers or people that work

- 所以銀行出納員或工作的人

at check cashing places are trained

兌換支票的地方都受過訓練

to look out for imperfections in a check.

來尋找支票中的瑕疵。

Check fraud is actually monitored by the banks.

支票詐騙其實是由銀行監控的。

So check kiting is the crime.

所以檢查風箏是犯罪。

They'll see a check, they'll see something off,

他們會看到一張支票，他們會看到一些不對勁的地方。

and they will actually call the authorities

他們真的會打電話給當局

from there while they're processing these checks.

在他們處理這些支票時，從那裡。

[TV static buzzing] [intense sleuth music]

[電視靜電嗡嗡聲] [激烈的偵探音樂]

Next up, "Terminator 2."

下一個是 "終結者2"。

In this scene, you see a young John Connor

在這個場景中，你看到一個年輕的約翰-康納。

using an Atari laptop machine to steal money from an ATM.

使用雅達利筆記本電腦從ATM機上偷錢。

[electric trilling and clicking]

[電動顫音和點擊]

- [Boy] Will you hurry up? This is taking too long.

- 你能不能快點？這是花了太長時間。

- [John] Go baby, go baby, go baby.

- [約翰]去寶貝，去寶貝，去寶貝。

All right, pin number.

好吧，銷號。

- Computers, ATMs, they've gotten more sophisticated.

- 電腦、ATM機，它們已經變得越來越複雜了。

They're a lot more protection,

他們的保護力度更大。

so some of these things will shut down

所以這些東西有些會被關閉

and not allow you an opportunity to use

而不允許你有機會使用

and get multiple numbers wrong.

並弄錯多個數字。

So in essence, is this accurate from today's standards?

那麼從本質上來說，從今天的標準來看，這是否準確呢？

Not really.

不見得

This was something that, back then years ago,

這是多年前，當時的事情。

that you could do which was try

你能做的就是嘗試

to randomize numbers to figure out the pin.

以隨機的數字來計算出針。

But today it's unlikely that something like this would work.

但如今，這樣的事情不太可能發生。

- Where'd you learn this stuff from anyway?

- 你到底從哪裡學來的這些東西？

- From my mom, my real mom, I mean.

- 我的媽媽，我的親生媽媽，我的意思是。

Withdraw 3-0-0 bucks. Come on baby.

提取3 -0 -0塊錢。來吧，寶貝。

Come on, come on, come on, yes!

來吧，來吧，來吧，是的!

- [Boy] Hey, it worked.

- [男孩]嘿，它的工作。

- All right. Easy money.

- 好吧，我知道了輕鬆賺錢。

- So young John Connor has an accomplice with him.

- 所以年輕的約翰-康納有一個同夥。

So that kid who's with him telling him

所以那個和他在一起的孩子告訴他...

to hurry up clearly is somebody that, in New York,

清楚地趕緊是某人，在紐約。

would be called acting in concert with him,

會被稱為與他一致行動。

where at the federal level,

在聯邦一級。

it would be called a co-conspirator

同謀

'cause they worked together

因為他們一起工作

to get an illegal means accomplished,

以達到非法手段的目的。

in this case, stealing money.

在這種情況下，偷錢。

- Come on, let's go spend some money.

- 來吧，我們去花點錢。

- So in 1991 when James Cameron released this movie,

- 所以在1991年詹姆斯-卡梅隆上映這部電影的時候。

it would've been a lot more difficult

難上加難

to capture John Connor.

捕捉約翰-康納。

But in 2020, it's gonna be pretty easy

但在2020年，這將是非常容易的。

for the cops and the bags to chase somebody

讓警察和袋子去追捕某人

because they'll have cameras inside

因為裡面會有攝像頭

and cameras outside, and they can go

和攝影機外，他們可以去

after these people retracing their your steps.

後，這些人回溯他們的你的步驟。

[TV static buzzing] [intense sleuth music]

[電視靜電嗡嗡聲] [激烈的偵探音樂]

Next up, "Mr. Robot.

接下來是《機器人先生》。

In this scene, the main character has found a way

在這個場景中，主角已經找到了方法

to transfer money from a Chinese hacker group

從一箇中國黑客組織轉錢

back into the accounts of the people

返還到人民的賬戶上

who originally had their money stolen.

原本被偷錢的人。

- I don't get it. What's going on?

- 我不明白怎麼了？

- All of the money Whiterose and her cronies

- 白鼻子和她的親信們的所有錢財

has been stealing for decades just went back to the people.

已經偷了幾十年的東西，只是回到了人民的手中。

- So in the scene, you see the main character,

- 所以在現場，你看到的是主角。

in essence, acting like a Robin Hood

本質上，像個羅賓漢

and taking money from the thieves or the rich

並從小偷或富人那裡拿錢。

and giving it back to the poor,

並把它還給窮人。

or in this case, the ones who were defrauded.

或者說，在這種情況下，受騙的人。

It's a great concept morally, and in reality,

這在道德上，在現實中都是一個很好的概念。

something like this could happen.

這樣的事情可能發生。

But you can't do what she's trying to do

但你不能做她想做的事。

or no individual can do what she's trying to do

或者沒有人可以做她想做的事

because it does involve fraud over the wires,

因為它確實涉及到電報詐騙。

and the US government likes

而美國政府喜歡

to charge everyone with wire fraud.

起訴每個人的電報詐騙罪。

[bright futuristic music]

[明亮的未來主義音樂]

- How?

- 怎麼說？

- We found a way to evenly disperse

- 我們找到了一種方法來均勻地分散開來

and anonymously into everyone's E-coin wallets.

並匿名進入大家的電子幣錢包。

[muffled chatter]

[悶聲哈拉]

- Everyone got this much?

- 每個人都有這麼多？

- Yep, and due to E Corp's insistence

- 是的，而且由於E公司的堅持。

that E-coin remain independent from the US dollar,

電子幣仍然獨立於美元。

it is completely impossible for them

他們不可能

to reverse the transactions.

逆轉交易。

- So you're actually viewing the scene,

- 所以，你其實是在觀看現場。

in essence, hacking, right?

本質上是黑客行為，對吧？

Which is ultimately just stealing.

這最終只是偷竊。

Now it is a crime.

現在是犯罪。

Ultimately, if this actually ever happened,

最終，如果這一切真的發生過。

the US government be in a tough position

美國政府處境艱難

because do they punish the person

因為他們會懲罰那個人

who is actually making people whole?

到底是誰在成全人們？

It's a tough one. I'm not sure which way they would go.

這是一個艱難的問題。我不知道他們會走哪條路。

- This is illegal. This is stealing.

- 這是非法的。這是偷竊。

- After what the Dark Army did to you?

- 在黑暗軍團對你做了什麼之後？

Fuck, after what they did to everyone,

他媽的，在他們對大家做了什麼之後。

you really wanna start defending them?

你真的想開始為他們辯護嗎？

- This isn't what justice is supposed to look like.

- 這不是正義應該有的樣子。

We have laws for a reason.

我們制定法律是有原因的。

- And they were so powerful,

- 而且他們的力量是如此強大。

they wrote the laws to benefit themselves.

他們寫法律是為了自己的利益。

They got away with everything because they banked on us.

他們什麼都逃得掉，因為他們指望我們。

- So let me add this.

- 所以，讓我補充一下。

In terms of how easy this for the United States government

就美國政府而言，這有多容易？

to prosecute someone who's involved in Bitcoin fraud,

以起訴參與比特幣欺詐的人。

it's not, you know why?

它不是，你知道為什麼嗎？

'Cause US government doesn't understand this space.

因為美國政府不瞭解這個空間。

They are really operating in the dark

他們真的是在暗箱操作

and making guesses and trying to use their knowledge

和猜測，並嘗試使用他們的知識。

of traditional wire fraud and try to apply it here.

傳統的電報詐騙，並嘗試將其應用在這裡。

But it doesn't really work,

但它並沒有真正發揮作用。

so you can expect to see a lot of change in the laws

所以，你可以期待看到很多法律的變化。

and the government try to catch up over the next few years.

和政府在未來幾年內努力追趕。

[TV static buzzing] [intense sleuth music]

[電視靜電嗡嗡聲] [激烈的偵探音樂]

Next up, "Wolf of Wall Street."

接下來是 "華爾街之狼"。

[muffled chatter]

[悶聲哈拉]

- In this scene, you're gonna be watching DiCaprio

- 在這個場景中，你會看到迪卡普里奧

teach his underlings how to run a pump

授業解惑

and dump scheme involving penny stocks.

以及涉及仙股的拋售計劃。

- First, we pitch 'em Disney, AT&T, IBM,

- 首先，我們向他們推薦迪斯尼，AT&T，IBM。

blue chip stocks exclusively, companies these people know.

藍籌股專用，這些人認識的公司。

Once we've suckered them in, we unload the dog shit,

一旦我們把他們吸進去，我們就把狗屎卸下來。

the pink sheets, the penny stocks,

粉紅色的單子，仙股。

where we make the money, 50% commission, baby.

我們賺錢的地方，50%的佣金，寶貝。

- In the scene, Belfort is teaching his underlings

- 在現場，貝爾福特正在教他的下屬們。

how to do a classic pump and dump scheme

如何做一個經典的泵和傾倒方案

by ultimately selling penny stocks.

通過最終賣出仙股。

These brokers are gonna get 50% commission.

這些經紀人會得到50%的佣金。

This was very profitable

這是非常有利可圖的

until the [laughs] FBI shut this down.

直到[笑]聯邦調查局關閉這個。

In a pump and dump scheme, a brokerage house

在抽水倒灌計劃中，某券商。

would buy large quantities of some very cheap stock,

會大量購買一些很便宜的股票。

of penny stock, and hold it, a bunch of it, for themselves

的仙股，並持有它，一堆它，為自己。

and then designate somebody to move the stocks.

然後指定人去搬股票。

And what they do is that they pitch this to clients

而他們所做的是他們向客戶推銷這個。

by paying the brokers a high commission

通過向經紀人支付高額佣金

to motivate them to move it.

以激勵他們去感動它。

Once the demand peaks,

一旦需求達到高峰。

the [indistinct] dumpers dump their stock [laughs]

[模糊不清]傾銷者傾銷他們的股票[笑]。

on the open market at the high price and make it killing.

在公開市場上以高價出售，並使之成為殺傷力。

This causes a free fall in the stock prices as they sell.

這就造成了股票價格的自由落體，因為他們賣。

It's technically not illegal

嚴格來說，這並不違法

to sell an over-the-counter stock like they were doing,

來像他們一樣出售場外股票。

and even the commission amount is not illegal,

甚至佣金金額也不違法。

but no one's gonna buy something

但沒有人會買東西

if they know the broker's got a 50% commission.

如果他們知道經紀人的有一個50％的佣金。

That's a huge red flag.

這是一個巨大的紅旗。

So what's illegal is not being honest

那麼，什麼是違法的，就是不誠實

and open about the actual price and the fact

並公開實際價格和事實

that there is a nominee there to dump the stock

有一個被提名人在那裡拋售股票。

once it hits a certain price.

一旦達到一定的價格。

- You finally found a broker

- 你終於找到了一個經紀人

on Wall Street that you can trust.

在華爾街，你可以信任。

- [Man On Phone] Sorry, I appreciate the call.

- 對不起，謝謝你的電話。

I really have to give this some thought

我真的要好好考慮一下

and talk to my wife about it.

並和我的妻子談論它。

Can I call you back?

我可以給你回電話嗎？

- They don't know, right? They gotta think about it.

- 他們不知道，對吧？他們得考慮一下。

They got talk to the fuckin' wives

他們得跟那些該死的妻子談談

or the fucking tooth fairy.

或他媽的牙仙。

Point is, doesn't matter what the fuck they say.

重點是，他們說什麼都無所謂。

The only real objection that they have

他們唯一真正反對的是

is that hey don't trust you guys.

是，嘿嘿不相信你們。

- So when Leonardo DiCaprio says,

- 所以當萊昂納多-迪卡普里奧說：

"You finally found a broker on Wall Street

"你終於在華爾街找到了一個經紀人

who you can trust and consistently make you money,"

你可以信任的人，並持續為你賺錢"。

but you watch him and you see what he's doing,

但你看著他，你會發現他在做什麼。

and he's mocking the person on the other line,

而他卻在嘲笑另一條線上的人。

this is actually what happened.

這實際上是發生了什麼。

The movie is very real.

這部電影很真實。

Jordan ended up pleading guilty to stock fraud manipulation,

喬丹最終承認了操縱股票欺詐的罪名。

and his whole company was shut down.

而他的整個公司都被關閉了。

So what you're seeing here is really how these people

所以，你在這裡看到的是，這些人是如何的

in these rooms, these boiler rooms,

在這些房間，這些鍋爐房。

and that was another movie, similar concept,

那是另一部電影，類似的概念。

in these boiler rooms behave.

在這些鍋爐房的行為。

[TV static buzzing] [intense sleuth music]

[電視靜電嗡嗡聲] [激烈的偵探音樂]

Next up, "Identity Theft."

接下來是 "身份盜竊"。

In this scene, Melissa McCarthy, a con artist,

在這一幕中，梅麗莎-麥卡錫，一個金光黨。

albeit a funny one, is making a cold call

雖然很好笑，但這是一個冷門的電話。

to steal someone's identity.

盜用他人的身份。

- [Melissa] From the fraud protection department

- [梅麗莎]從欺詐保護部門

of Identivold Credit Monitoring Service.

Identivold信用監測服務的。

We're calling today because, unfortunately, it appears

我們今天打電話是因為，不幸的是，它似乎

that someone has attempted to steal your identity.

有人試圖竊取你的身份。

- Are you kidding me?

- 你在開玩笑嗎？

- This is a type of identity theft.

- 這是一種身份盜竊。

There's many different types. This is one.

有很多不同的類型。這是其中一種。

And in the movie, it's funny because it's Melissa McCarthy,

而在電影裡，這很有趣，因為它是梅麗莎-麥卡錫。

but this is actually realistic.

但這其實是現實的。

Stuff like this happens.

這樣的事情發生。

Stuff like this happens when people call elderly people,

這樣的事情發生在人們稱呼老人的時候。

call immigrants, or send them emails like this.

給移民打電話，或者給他們發這樣的郵件。

And then they answer their emails

然後他們回覆他們的電子郵件

and end up giving up their personal information,

並最終放棄了自己的個人信息。

including social security numbers,

包括社會保險號碼。

that leads to people opening up credit cards in their names

導致人們以自己的名義開立了信用卡

and losing lots and lots of money.