基于客户视角的网络银行安全:反钓鱼欺诈

E-Bank Security:Anti-Phishing

文章主要关注的是对网络银行安全构成重大威胁的钓鱼欺诈:首先对钓鱼欺诈进行了概括性的讨论和分析;由于在此前的诸多研究中,客户的作用与地位往往被忽视,于是文章做了一个旨在了解客户识别及判断钓鱼欺诈能力的调查,以充分说明网络银行安全的两个关键要素是网络银行提供商和网络银行客户;最后,从客户视角出发,提出了一些建议,希望能让在客户层面的网络安全防御能与提供商层面的安全防御一样固若金汤。

This paper mainly focus on phishing; first, a specific overview of phishing discussed, and then a survey aiming at more comprehensive understanding of the customers＇ attitude and judgment towards phishing presented, both of which are regarded in the customers＇ views, make us well know that there are two key points in restraining phishing, which are internet banking service-providers and Interact banking service-customers. However, the latter is always being ignored, resulting in non-effective measures. Therefore, we are trying to propose some advices from the customers＇ view, hoping by taking which, the defense in customers＇ part will be as impregnable as that in service-providers＇.