| Today,with the rapid development of information technology,the in-depth application of Internet information technology in the financial and telecommunications industries is becoming increasingly widespread and widespread.More financial instruments and more convenient financial services have brought convenience to people’s lives,but at the same time,they have also brought many problems such as the leakage of personal privacy information of citizens,various means of telecommunications fraud,and so on.In the face of the continuous growth of telecommunications fraud cases,the traditional governance model of relying solely on or relying solely on the public security organs is far from enough.The government needs to effectively unite multiple social entities such as telecommunications,banks,enterprises,and communities to make up for the shortcomings of the traditional governance model through resource pooling,information sharing,and collaborative processing,thereby improving the overall ability and effectiveness of society to combat telecommunications fraud.This article first collects and sorts out the behaviors of Lanzhou Branch of Bank Z in the process of participating in the collaborative governance of combating telecommunications fraud in Lanzhou City,and then conducts research on various measures taken,results achieved,and problems arising therefrom.It is found that Lanzhou Branch of Bank Z undertakes communication and collaboration with public security organs,government departments,communication operators,other commercial banks,and the public in the collaborative governance system Responsibility for jointly managing telecommunications fraud.However,due to the instability and shortcomings of the collaborative governance mechanism itself,the functions of various governance entities are limited.In reality,there are still many problems and difficulties in the operation of the collaborative governance mechanism,such as unequal power and responsibility relationships,poor communication between entities,and industry barriers to resource integration.Under the theoretical framework of collaborative governance,it is found that the main reasons for various problems lie in three aspects: deviation in the objectives of multiple entities,loose governance structures,and lagging governance measures.Finally,suggestions for optimizing the collaborative governance mechanism are put forward from the following aspects:strengthening the main role of banks in the collaborative governance mechanism,strengthening the value integration of collaborative governance between entities,improving the rapid linkage between banks and public security and the handling mechanism of accounts involved,deepening information sharing and resource integration between entities,and innovating collaborative working methods to enhance governance synergy. |
