Research On Prevention And Countermeasures Of Telecommunication Network Fraud In Commercial Banks

At present,various types of telecommunication network frauds such as fake part-time jobs,dating and financial management are becoming more and more intense in the development of the big data era,and the frauds are diverse and high-tech.It has a bad impact on damaging national image,disintegrating social integrity and endangering social stability,etc.It is very important to pay attention to the characteristics and development trend of telecommunication network fraud and form an effective governance mechanism to protect people’s property security and social stability.This paper combs through domestic and foreign literature related to telecommunication network fraud,combines data analysis with the accounts involved in 2022 jurisdictions,and uses data comparison,case studies,and theoretical deduction to study the governance of telecommunication network fraud in commercial banks.This paper first introduces the core concepts of telecommunication network fraud and personal bank settlement accounts,and starts from the perspective of strengthening account management,using theories such as comprehensive risk management theory,collaborative governance theory and information asymmetry to analyze the current situation of commercial banks in managing telecommunication network fraud in terms of account management,early warning mechanism and collaborative prevention and control.Secondly,the problems of commercial banks in account risk management,early warning mechanism,collaborative governance and external publicity are studied and the reasons are analyzed around commercial bank account management.Finally,with regard to building a system for preventing and managing telecommunication network fraud,reasonable optimization suggestions are made for commercial banks to prevent telecommunication network fraud,which provide valuable references for better prevention of telecommunication network fraud.