【摘要】：正隨著互聯(lián)網(wǎng)金融快速發(fā)展,不法分子針對(duì)銀行客戶的欺詐犯罪更加猖獗,作案手段不斷"升級(jí)換代",并且表現(xiàn)出高科技化、專業(yè)化、隱蔽化等特點(diǎn)。由于公安機(jī)關(guān)破案率低且向不法分子追償?shù)目赡苄暂^小,大量受損客戶往往以未盡到安全保障義務(wù)為由投訴銀行。加上調(diào)查取證比較困難、涉案金額相對(duì)較高且協(xié)商余地小,導(dǎo)致妥善化解此類(lèi)訴求的難度很大。為妥善處理此類(lèi)投訴問(wèn)題,本文擬通過(guò)一起互聯(lián)網(wǎng)金融欺詐案例,詳細(xì)分析投訴反映的相關(guān)風(fēng)險(xiǎn)問(wèn)題,從完善外部欺詐風(fēng)險(xiǎn)管控體系,健全消費(fèi)者信息保護(hù)管理機(jī)制,增強(qiáng)消費(fèi)者互聯(lián)網(wǎng)金融安全意識(shí)等多個(gè)維度,有針對(duì)性地提出有關(guān)工作建議。
[Abstract]:With the rapid development of Internet finance, the criminals' fraud crimes against bank customers are more rampant, the means of committing crimes are constantly "upgraded", and they show the characteristics of high technology, specialization, concealment and so on. Due to the low detection rate of public security organs and the small possibility of recovering compensation from lawbreakers, a large number of injured customers often complain about the banks by failing to fulfill their obligations of safety and security. In addition, the investigation and evidence collection is more difficult, the amount of money involved is relatively high and the room for negotiation is small, which leads to the difficulty of properly resolving such claims. In order to deal with this kind of complaint problem properly, this paper intends to analyze the related risk problems reflected in the complaint in detail through an Internet financial fraud case, from perfecting the external fraud risk control system, perfecting the consumer information protection management mechanism, Enhance consumers' awareness of Internet financial security and other dimensions, and put forward relevant work suggestions.
【作者單位】： 中國(guó)工商銀行法律事務(wù)部;
【分類(lèi)號(hào)】：D924.35

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