中小银行金融反欺诈治理探究  

Research on Anti-Fraud Governance in Small and Medium-sized Banks(Editor in charge:Li Liqun)

作　　者：江海 Jiang Hai(Sichuan XW Bank)

机构地区：[1]新网银行党委

出　　处：《中国银行业》2023年第11期69-70,6,共3页China Banking

摘　　要：中小银行应加强合作,打破数据孤岛,共建金融反欺诈统一战线。在保护客户隐私和数据安全的前提下,中小银行可充分运用信息科技化手段,建立动态、可持续的金融反欺诈数据库,提升金融反欺诈的实时性、准确性、有效性,增加科技反制能力,让金融诈骗犯罪分子无机可乘。With the rapid development of financial technology and accelerating digital transformation of Chinese banks,inclusive financial services continue expand to small-town and rural markets.Various financial fraud techniques are constantly being renewed,showing characteristics such as online,well-organized,industrialized,and targeting general public,and are closely related to telecommunications criminal activities.This has brought a series of new challenges to the business operations of small and medium-sized banks.In the article,the author analyzes the pain points of anti-fraud in small and mediumsized banks,and points out that financial anti-fraud is a comprehensive and protracted campaign.Small and medium-sized banks should strengthen research and judgment,analyze problems in depth,actively study countermeasures,further improve the responsibility system,strengthen cooperation in building a united front against fraud,and continuously improve their anti-fraud governance capabilities.

关 键 词：中小银行 反欺诈 金融诈骗犯罪 数据孤岛 数据安全 无机可乘 数据库 信息科技化 

分 类 号：F83[经济管理—金融学]