Research On The Personal Bank Account Supervision From The Perspective Of Preventing Telecommunication Fraud

Telecommunications fraud is rampant in recent years,which significantly damage people's interest.Some of them have serious consequences and cause great suffering to the victims.During the year of 2016,the State Supreme People's Court,the Supreme People's Procuratorate,the Ministry of Public Security,the Ministry of Industry and Information Technology,the People's Bank of China(“PBOC”)and the China Banking Regulatory Commission successively issued relevant policies on guarding against and cracking down on crimes of telecommunications fraud.Strictly implement the real-name system,restrict the numbers of bank cards,which lead to significant decrease in telecommunications fraud criminal activities.Criminal offenders have so many means of fraud,the effect of preventing and combating telecommunications fraud is not enough.Telecommunication frauds are traded through non-faceted forms,such as internet telephony and then,Criminals obtain illegal income through bank accounts.They also steal money by defrauding people's bank account information.The key method to prevent telecommunication fraud is to strengthen the security management of bank accounts.This article's starting points are listed as below: the supervision on personal bank accounts from PBOC,the Commercial banks' responsibility of preventing telecommunications fraud;the social responsibility of protecting the public property safety.This article focuses on analyzing bank accounts management,as well as telecommunications,public,public security and network,in order to find the existing problems on personal bank accounts management and supervision.This article is ultimately aimed at providing some useful advice for telecommunications fraud prevention and bank accounts management.The first chapter of this article briefly introduces the research background and research significance of strengthening the regulation of personal bank accounts,also summarizes the research on the supervision of banks and accounts at home and abroad.The second chapter briefly introduces the personal bank account and the application of electronic banking,case of telecommunications fraud Using bank accounts and the development of personal bank account supervision.Also emphasis on the current status of the regulation of personal bank accounts and this regulation's in the crime of telecommunications fraud.The third chapter introduces the problems existing in the supervision of personal bank accounts and the analysis of these problems.In the fourth chapter,the author puts forward her own suggestions and solutions and hope that it will be useful for preventing telecommunications fraud and improving the supervision of personal bank accounts.Payment and settlement is related to the implementation of national monetary policy and the stability of the financial system.Strengthening the management of personal bank accounts is an important measure for the government to comply with the market development needs and meet the increasingly diverse needs of payment.It is meaningful in many fields,such as perfecting the bank account system,improving service quality of banks,safeguarding the legitimate rights and interests of consumers,and maintaining the economic and financial order.