Research On Telecom Network Fraud Risk Management Of Bank H Based On Capital Fluctuation

As the financial disintermediation process continues to advance,the interest rate market has profoundly affected the financial industry,and in the face of the complex external environment and the ever-changing development of new technologies,the banking industry,which is the leading institution in China’s financial system,is in a crisis of transformation and upgrading,and needs to grasp the development of banking business on the one hand,and internal and external risk management on the other hand,both hands need to grasp,both hands need to be hard.In the face of regulatory pressure,the banking industry not only needs to do a good job in combating money laundering criminal activities,but also to make efforts to reduce the number of accounts suspected of telecom network fraud,and to solidify the main responsibility for combating telecom network fraud criminal activities.How to accurately warn criminals of suspicious accounts receiving fraud-related funds,dispose of risky customers in a timely manner and strictly control the management risks brought about by telecommunication network fraud has become a new challenge for the majority of banking institutions at present.Bank H is a local city commercial bank in Zhejiang Province,in recent years,through transformation and upgrading,has grown into a quality bank with good asset quality and comprehensive strength in the Yangtze River Delta region,with a certain competitive strength in the local area,its overall scale and scope of operation,ranking top in Zhejiang Province,has begun to have influence,with branches in many cities across the country,with a wide business coverage,and has been trying to take the route of city commercial bank excellence.However,Bank H has certain problems and difficulties in telecommunication network fraud risk management,and faces the risk of being held accountable by regulators,which becomes one of the undesirable factors hindering the sustainable development of its business.This thesis takes Bank H as the research object and combines relevant theories and scholars’ research results.First,it defines the telecommunication network fraud studied and analyzes the characteristics of telecommunication network fraud activities at the present stage.Through a layer-by-layer review of the current situation of telecommunication network fraud risk management in Bank H,combined with specific risk cases,the problems faced by Bank H and the reasons for them are analyzed,and early warning monitoring is innovatively established for two main subjects,the fraudulent party and the victim,according to the realistic regulatory needs,with the goal of suppressing the number of suspicious accounts of the fraudulent party and reducing the number of victim accounts within the bank.Secondly,this thesis uses case study method,hierarchical analysis method,expert experience method,together with customer identity information and dynamic transaction information,to conduct a comprehensive study combining quantitative and qualitative risk identification,establish a risk scoring system,and build an early warning monitoring model based on the perspective of fund variation in a multi-dimensional joint effort,and verify the validity of the model through comparative testing based on the case and data of Bank H.Finally,this thesis proposes risk control optimization strategies for Bank H from three major aspects,namely,variance fund transactions,internal risk management,and risk system.From the perspective of risk management theory,this thesis provides important empirical evidence and working insight for commercial banks’ anti-telecommunication network fraud risk: by monitoring the behavior of customer account fund variation and establishing a risk monitoring model,the risk can be effectively warned and controlled to a certain extent.Therefore,this thesis not only enriches the practical cases of telecommunication network fraud risk management research,but also provides references for further research on financial risk management theory,and has certain practical guidance significance for commercial banks to prevent telecommunication network fraud risks.