Risk Identification And Pre-Control Of Telecom Network Fraud Crimes Involving Personal Bank Accounts In Xuzhou Branch Of Bank Of NJ

Personal fund payment,circulation and clearing are all based on personal bank accounts.Therefore,risk identification of personal bank accounts can effectively avoid risks and play a positive role in establishing a stable financial market order.In recent years,financial fraud,especially telecommunications fraud and other criminal acts have been repeatedly prohibited.Many criminals commit crimes by using personal bank accounts.The above-mentioned crimes not only infringe upon public property rights,but also have a negative impact on economic development and social stability.Therefore,the supervision of personal bank accounts can not only reduce the occurrence of financial crimes,but also further enhance personal security awareness,which is conducive to ensuring the safety of personal property and is of great significance for maintaining economic and social stability.In this context,this paper also makes a research on the identification and pre control of risks involved in individual bank accounts.It summarizes the research status quo of the risks involved in individual bank accounts at home and abroad,summarizes what the risks involved in individual bank accounts are,and sorts out and expounds the relevant research achievements at home and abroad.Through the method of interview,we analyzed the deficiencies in the development of the personal bank account business of Xuzhou Branch of NJ Bank,and found that the identification risk of the account holder is a significant factor affecting whether the personal bank account is involved in the case.To further study the identification risk of the account holder,this chapter selected 972 personal bank account data opened by Xuzhou Branch of NJ Bank from 2020 to 2021 as the research sample,including 121 accounts involved in the case.By analyzing the business data of the accounts involved,it is found that the gender,age,income,household address,nature of the company and opening time of the account holder are the main influencing factors among many influencing factors.This paper establishes a logistic regression analysis model to conduct an empirical analysis on the risk factors involved in individual bank accounts.It is found that gender,household registration address,account opening date and other factors have the greatest impact on the risk involved in individual bank accounts,which should be taken seriously in the risk identification of individual bank accounts involved.On this basis,the paper puts forward relevant suggestions,mainly including cultivating a good risk management culture,building an efficient risk management organizational structure,refusing to open accounts under pseudonyms and gangs,improving the quality of basic information of account holders,refining the identification process of account holders for abnormal transactions,establishing a regular inspection mechanism for the quality of account holders’ information,establishing a risk governance evaluation mechanism for high-risk accounts,and so on.