On April 14, Wen Xinxiang, director of the Payment and Settlement Department of the People’s Bank of China, said at a press conference of the State Council Information Office that obtaining illegal funds is the ultimate goal of telecommunication network fraudsters. “deepwater zone”.
Wen Xinxiang said that the methods and tools of criminals’ fund transfer are constantly being renovated, showing the trend of industrialization, specialization and team-based crime, and the governance work is long-term and complex , arduousness.
First, the trading accounts are still outstanding. Criminals use high profits as bait to attract some individuals with weak risk awareness to open real-name bank accounts or pay for their accounts and then rent them out and sell them to help transfer criminal funds.
Second, the offensive and defensive confrontation is constantly escalating and changing, making it more difficult to strike. Criminals forge fraudulent funds into normal corporate and personal financial transactions, or use virtual currency, underground banks and other channels to try to avoid monitoring and interception, making it more difficult to crack down.
Third, the pressure on overall optimization of services and risk prevention and control has increased. At present, my country has built a multi-level, wide-coverage and modern payment system, which strongly supports domestic and international dual circulation and people’s livelihood services. However, with the strengthening of risk prevention and control, it is necessary to fully balance the relationship between safety and efficiency, so as to strictly prevent and control fraud risks, and effectively ensure the provision of high-quality payment services for the people.
For the next step, Wen Xinxiang said that he will guide commercial banks, payment institutions, and clearing institutions to fully implement various measures to prevent and control the “capital chain” in the financial industry.
The first is to compact the main responsibility. Commercial banks and payment institutions shall continue to implement risk prevention and control responsibilities in accordance with “whose account is responsible”, “whose merchant is responsible” and “whose wallet is responsible”, and disconnect the chain of fraudulent funds to effectively “pay for the people” .
The second is to coordinate and balance risk prevention and control and optimize payment services. Commercial banks and payment institutions shall, in accordance with the principle of “undiminished convenience, undiminished risk prevention and control, enhanced service optimization, and enhanced risk management,” the principle of “two undiminished and two intensified”, provides the public with the risk prevention and control at the same time. Convenient payment services to avoid “one-size-fits-all” prevention and control from overly affecting normal business.
The third is to improve the accuracy of risk prevention and control. Commercial banks and payment institutions should make full use of big data, artificial intelligence and other technical means to improve the accuracy of risk identification and interception. Strengthening new technologies such as virtual currencyRisk prevention in various fields, and all-round interception of criminal funds.
Fourth, raise the awareness of risk prevention in the whole society. In accordance with the idea of combining attack and prevention, prevention first, increase anti-fraud publicity and education, and form a good situation for group prevention and treatment of cybercrimes.