关于优化银行业电信网络诈骗风险防控机制的探研——基于大型商业银行数据的实证分析

Explore and Research the Optimization of the Mechanism of Prevention and Control Internet Telecoms Fraud Risks in Banking Sector--Based on the Empirical Analysis of Data of Large Commercial Banks

银行是堵截电信网络诈骗的第一道关口,是电信网络诈骗防控流程的关键环节,银行堵截电信网络诈骗的数据可以为预防诈骗提供充分依据。银行业应主动配合公安机关深入开展防范和打击电信网络诈骗违法活动,从认真履行社会责任、维护客户利益和金融秩序稳定的高度,提升服务水平,增强专业能力,为防范与打击电信诈骗违法活动作出应有的贡献。

As the first barriers to the Internet telecoms fraud the banks are the indispensable parts of the process of preventing and controlling Internet telecoms fraud.The bank data on blocking the Internet telecoms fraud can provide sufficient evidences for the prevention of fraud.The banking industry should take the initiative to cooperate with the police agencies to carry out in-depth prevention and to combat the illegal activities such as Internet telecoms fraud.From the perspective of conscientiously performing social responsibilities,safeguarding customers’ interests and maintaining financial stability,the banks should improve their service level and enhance their professional competency in order to make appropriate contributions to the prevention and combat against such crimes.