浅议基层银行防范金融诈骗的途径

Measures against Financial Cheating in Grass-root Bankings

随着银行业务电子化和新业务的推出,金融诈骗犯罪呈现出方式多样化、手段现代化和复合型犯罪普遍化的特点。究其原因主要是经济法律法规和银行内控机制不健全;个别单位领导风险意识淡薄,重经营、轻防范;拜金主义、享乐主义在人们心中的滋长;对诈骗打击不力,放纵了诈骗犯罪等等。预防和减少基层银行业金融诈骗就必须增强防范意识,健全内控体系,提高技防水平。

With the wide use of computer and the introduction of new businesses, financial cheating has presented new characteristics, such as diversified ways,modernized means and widespread complex crimes. There are several main causes of the new situation. First, economic laws and internal control system are not sound; second, few leaders, who are indifferent to risks, only lay emphasis on operation but precaution; third, money-worship and hedonism are growing; fourth, ineffetive attack against heating,etc. In order to prevent financial cheating,it is necessary to strengthen ideological education,intensify the consciousness of prevention and improve internal control system.