基于实证分析的警银合作协同反诈:实践失序与因应之策  

Empirical Analysis of Police-bank Collaborative Anti-fraud:Practice Disorder and Countermeasures

作　　者：王一鸣 王春梅 WANG Yiming;WANG Chunmei(Academic Research Office,Zhengzhou Police College,Zhengzhou,Henan Province 450000,China;Public Security Branch College,Gansu University of Political Science and Law,Lanzhou,Gansu Province 730070,China)

机构地区：[1]郑州警察学院科研处,河南郑州450000 [2]甘肃政法大学公安分院,甘肃兰州730070

出　　处：《中国人民警察大学学报》2025年第4期14-26,共13页Journal of China People's Police University

基　　金：2022年度甘肃省哲学社会科学规划项目“电信网络诈骗犯罪治理的甘肃模式及其优化方案研究”(2022YB083)。

摘　　要：警银合作是警方基于多元共治理念,在电信网络诈骗犯罪全过程中与银行等金融机构通过技术赋能等手段,协作治理电信网络诈骗犯罪的新型反诈协作模式。警银合作的全流程涵盖事前防范、事中惩治和事后防控三个阶段。运用质性研究方法对警银合作的应然理念与实然境遇进行比较考察后得知:当前警银合作存在统筹能力较差、反诈形式单一、奖惩制度缺失、合作领域不深等方面实践失序。为提升警银合作协同反诈治理效能,应从增强党委引领、建立区域性反诈共同体,创新反诈模式、畅通反诈信息共享渠道,明晰奖惩制度、完善反诈效益评价机制,延展合作领域、筑牢跨境警银协作根基等维度,推动警银合作从协同共治走向和谐善治,形成现代化反诈治理合力。Police-bank collaboration is a new anti-fraud cooperation mode based on multi-actor governance.The police cooperate with financial institutions such as banks to handle telecom and online fraud with the empowerment of technology in the whole process of the crime.The procedure of police-bank collaboration covers three stages:prevention before the event,punishment in the event and prevention and control after the event.After using qualitative research method to compare the ideal perception of police-bank collaboration with the actual situation,it is found that the current police-bank collaboration faces some problems in practice such as lack of coordination,a single anti-fraud approach,lack of reward and punishment mechanism.To further improve the governance efficiency of police-bank collaboration,it is suggested to establish a regional anti-fraud community under the guidance of party committees,innovate new anti-fraud models to smooth information sharing channels,improve the efficiency evaluation mechanism with the reward and punishment mechanism in place,extend the field of cooperation to build a strong foundation for cross-border police-bank collaboration so as to promote the anti-fraud work of police-bank collaboration from collaborative governance to harmonious and good governance,and form a synergy of modern anti-fraud governance.

关 键 词：警银合作 电信网络诈骗 协同反诈 质性研究 

分 类 号：D631[政治法律—政治学]