本文選題：電子銀行　切入點：反欺詐　出處：《山東大學》2014年碩士論文　論文類型：學位論文

【摘要】：隨著商業(yè)銀行電子銀行市場規(guī)模的逐步擴大,針對電子銀行的欺詐行為也與之俱來,如何在巨量的客戶交易與可疑行為中有效識別和防范欺詐,成為眾多商業(yè)銀行研究的內(nèi)容和目標。本文努力找到并搭建一個切實可行、可操作、投入與產(chǎn)出相匹配的模型,希望能對我國中小銀行探索電子銀行反欺詐工作提供思路和幫助。 本文首先從當前電子銀行市場上主流的欺詐行為分析入手,闡述當前困擾商業(yè)銀行的欺詐行為的主要欺詐方式和欺詐特點,讓讀者對目前的電子銀行欺詐行為有所了解和認識,有針對性地引出本文重點研究的對象—電子銀行反欺詐。其次,論文從兩方面論證分析了商業(yè)銀行開展電子銀行反欺詐行為的緊迫性與重要意義,結(jié)合目前國內(nèi)主流的反欺詐模型理論,提出了商業(yè)銀行建設自身的反欺詐系統(tǒng)時、在模型的理論應用時需要重點關(guān)注和解決的問題。 接下來的內(nèi)容是本文的重點,即是在對欺詐行為分析的基礎上,詳實、詳盡地介紹了國內(nèi)現(xiàn)有的兩種電子銀行反欺詐模型：基于規(guī)則的反欺詐模型與基于客戶行為的反欺詐模型。針對兩種模型的工作原理、運作機制作了詳盡的闡述,并以案例的形式解釋模型的實際應用。兩種模型的理論基礎都是基于對電子銀行客戶行為或交易的風險暴露,其本質(zhì)是按照既定的規(guī)則引擎和分析標準對巨量客戶行為和事務數(shù)據(jù)的篩選。在對兩種模型分析和研究的基礎上,總結(jié)性的針對兩種模型的優(yōu)點和劣勢進行了論證和分析。 本文通過全面、完整的論述兩種模型的運作機理后,也重點將模型的實際應用情況作了分析和論證,并提出了“兩種模型交叉使用”作為本文在模型實際應用方面的觀點。為支持本文的觀點,也引用了模型應用的成功案例,并就模型應用過程中仍然存在的疑點、難點、障礙等作了總結(jié)與分析,旨在說明商業(yè)銀行在反欺詐模型應用時,將客戶巨量行為數(shù)據(jù)分析、客戶信息資源共享、巨量的欺詐行為與反欺詐行為的系統(tǒng)精準性調(diào)試作為模型的應用改進方向,使模型更好的發(fā)揮作用,幫助構(gòu)建和夯實商業(yè)銀行的反欺詐體系。 最后本論文對研究的內(nèi)容和結(jié)果進行了總結(jié),并指出反欺詐模型的應用改進和優(yōu)化的方向方法,總體來講,具有以下幾方面的創(chuàng)新： 1.對比研究了國內(nèi)目前主流的兩種電子銀行反欺詐模型的概念、運作原理和優(yōu)缺點,提出了一個適合當前我國中小銀行搭建的電子銀行反欺詐模型。 2.總結(jié)性地對當前制約反欺詐模型實際應用過程中的難點、缺點進行對比與分析,提出針對提升實際應用效果的模型應用改進。 3.創(chuàng)造性的提出反欺詐系統(tǒng)的運用需要借助金融系統(tǒng)大數(shù)據(jù)化的資源整合和信息共享,才能達到理想效果。
[Abstract]:With the gradual expansion of commercial bank electronic banking market scale, fraud against electronic banking has come along with it, how to effectively identify and prevent fraud in a large number of customer transactions and suspicious behavior. This paper tries to find and build a feasible, operable, input-output matching model. Hope to provide ideas and help for small and medium-sized banks to explore e-bank anti-fraud work. This paper begins with the analysis of the current mainstream fraud in the electronic banking market, and expounds the main fraud ways and the characteristics of the fraud that puzzles the commercial banks at present. Let readers have some understanding of the current electronic banking fraud behavior, and specifically lead to the focus of this study-electronic banking anti-fraud. Secondly, This paper analyzes the urgency and significance of commercial banks to carry out electronic banking anti-fraud behavior from two aspects. Combining with the current mainstream anti-fraud model theory, the paper puts forward the commercial banks to build their own anti-fraud system. In the theoretical application of the model, we need to pay attention to and solve the problems. The following content is the focus of this paper, that is, on the basis of the analysis of fraud, This paper introduces in detail two kinds of electronic bank anti-fraud models in China: rule-based anti-fraud model and anti-fraud model based on customer behavior. The theoretical basis of the two models is based on the risk exposure to the behavior or transaction of electronic bank customers. Its essence is to screen huge amount of customer behavior and transaction data according to the established rule engine and analysis standard. On the basis of analyzing and studying the two models, the paper demonstrates and analyzes the advantages and disadvantages of the two models. After a comprehensive and complete discussion on the operation mechanism of the two models, this paper also focuses on the analysis and demonstration of the practical application of the models. In order to support the viewpoint of this paper, the successful cases of model application are also cited, and the doubtful points and difficulties that still exist in the process of model application are discussed. The purpose of this paper is to analyze the huge amount of customer behavior data and share customer information resources in the application of anti-fraud model. Large amount of fraud and anti-fraud system precision debugging as the direction of improvement of the application of the model, make the model play a better role, help to build and consolidate the anti-fraud system of commercial banks. Finally, this paper summarizes the contents and results of the research, and points out the direction of application improvement and optimization of anti-fraud model, generally speaking, has the following aspects of innovation:. 1. The concept, operation principle, advantages and disadvantages of two kinds of electronic bank anti-fraud models are studied, and an electronic bank anti-fraud model which is suitable for the small and medium-sized banks in China is put forward. 2. Compare and analyze the difficulties and shortcomings in the practical application of the current anti-fraud model, and put forward the model application improvement aimed at improving the practical application effect. 3. It is creatively proposed that the application of anti-fraud system needs the integration of resources and information sharing of the financial system to achieve the desired results.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F724.6;F832.2;F224

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