Research On Bank Account Risk Management Based On Telecom Network Fraud Prevention

Bank settlement account is an important basis for daily transfer and cash settlement.The strengthening of account risk management by banking financial institutions can guarantee the efficient operation of economic and financial order to the greatest extent,effectively prevent criminals from using bank accounts to carry out illegal and criminal activities,and promote the orderly development of socialist market economy.With the rapid development of information technology such as "Internet Plus" and big data,telecom network fraud has become a new intelligent criminal means.Its wide range of crimes and rapid update of criminal means have brought great challenges to the current prevention and management work,and brought a lot of disadvantages to the stable and efficient development of social economy.Telecom network fraud is mainly the illegal elements through the network telecommunications and other non-face-to-face transactions,the use of bank personal or public account fraud activities,so the key to block telecom network fraud is to manage bank accounts.Therefore,this paper selects the perspective of preventing telecom network fraud.Through the case of Y Bank,it comprehensively analyzes the measures that can be taken by bank account risk management to deal with telecom network fraud.This paper first through literature research method,through reading a lot of literature to understand the bank account risk management and telecom network fraud status quo,and then through qualitative analysis to telecom network fraud and bank account bank,account risk management to explain.Secondly,this paper first introduces the cases related to telecom network fraud,analyzes the identity characteristics and transaction characteristics of the current telecom network fraud account,and analyzes the responsibilities that commercial banks should bear in the prevention of telecom network fraud from the legal point of view.Then,starting from the current situation of Y bank’s account management,the paper analyzes Y Bank’s account management mode,personnel structure,and account opening,change and cancellation process.Y Bank’s current account opening link,stock account control,"one person and multiple accounts(card)" cleaning work,improve the relevant system of account risk prevention and control measures.Through case analysis and interview recording,this paper analyzes the risks in the system,operation and management of Y Bank’s current account management,as well as the public’s weak awareness of risk prevention.Finally,in order to effectively combat and prevent telecom network fraud and alleviate the severe situation Y Bank is facing,feasible suggestions are given from the perspectives of perfecting the supervision system,strengthening information communication,improving the quality of personnel,improving technical level,strengthening the management of stock accounts,optimizing the internal assessment system and intensifying the publicity.