Telecom Network Fraud Of Bank A Based On Analysis Of Account Characteristics Risk Management Research

In recent years,with the continuous progress of scientific and technological means,telecommunications network fraud has become increasingly rampant.Due to the hundreds of new fraud means of fraud criminals,the current prevention and combating of telecommunications fraud is far from achieving the desired effect,which has caused a serious impact on the property of the masses.Telecommunication fraud is carried out through network telecommunications and other forms of non face-to-face,and illegal income is obtained through bank accounts.Or steal funds by defrauding depositors of bank account management information.The key to preventing and controlling telecom fraud is to manage bank accounts and strengthen the safe use and management of bank accounts.This paper takes Bank A as the research object,and takes account characteristics analysis of telecom network fraud risk as the research content.Firstly,it introduces the research background,significance,content and methods of this paper;Secondly,it combs the literature related to risk management and telecom network fraud,and introduces the theories related to commercial bank risk management,suspicious transaction model,comprehensive risk management,etc.,laying a solid theoretical foundation for subsequent articles;Thirdly,it introduces the current situation and problems of the telecom network fraud risk management of Bank A,and concludes that the current telecom network fraud risk management of Bank A has the following problems: lack of account information verification platform,relatively backward account classification system,etc;Thirdly,the brainstorming method and flow chart analysis method were used to identify the elements of the telecom network fraud risk of Bank A based on the account characteristics,and a total of: the number of online trading channels,the amount of online trading channels,the amount of offline trading channels,trading time,abnormal transactions,customer age,customer gender,customer occupation,customer education,customer annual income,whether the registered residence is consistent with the place of account opening,account balance 17 account characteristics,such as account flow,account transaction amount and account fund destination;Thirdly,Delphi method and fuzzy comprehensive evaluation method are used to evaluate the elements of bank A’s telecom network fraud risk based on account characteristics.The evaluation results are:the score of account transaction A is 2.336,the score of user basic situation B is 0.261,the score of account basic situation C is 0.447,and the score of bank A’s telecom network fraud risk based on account characteristics is 1.641,It can be seen that the overall telecom network fraud risk of Bank A still has medium to high risk factors;Finally,based on the above risk assessment results,this paper proposes the countermeasures against the telecom network fraud risk of Bank A from three aspects: account transactions,users’ basic information and accounts’ basic information,and proposes the risk response safeguard measures in four aspects: building a sharing platform,establishing an inter-bank account opening verification mechanism,strengthening the application of science and technology,and optimizing the bank’s internal training and assessment mechanism.