What measures can be taken to prevent the risk of overseas fraud of debit cards?

Among all kinds of bank card risks, external fraud risk is the most serious and harmful one at present. There are three main channels to achieve the purpose of fraud: ATM cash withdrawal, POS cash withdrawal (consumption) or network (telephone) transfer. Judging from the fraudulent means, there are three main types: fake card fraud, directly defrauding customers' funds, and using ATM to defraud cards.

2. Intermediary transaction risk

Intermediary transaction risk mainly refers to the risk that the cardholder or card issuer loses money due to illegal transactions or operations of special merchants. The transaction risks of intermediaries are mainly reflected in two types: one is that some unscrupulous merchants provide credit card cash transactions, which provides a channel for the realization of criminal purposes and causes transaction risks; The other is the risk brought by the irregular (even illegal) credit card marketing behavior of intermediaries or individuals.

3. Internal operational risks

Internal operational risk refers to the risk that bank staff's illegal operation or misoperation causes bank funds loss, or staff members use their position to collude with criminals to commit crimes, resulting in the loss of funds of card issuers or customers. Compared with external fraud risk and intermediary transaction risk, such cases are not universal, but because they are committed by internal professionals, the means are more hidden and the impact on the bank's reputation is more serious.

4. Credit risk of cardholders

At present, in the development of credit card business, banks pay more attention to scale than quality, so they can't effectively distinguish potential customers and have lax credit control over customers. Card issuers expand to high-risk groups, and high-risk events such as excessive consumption and overdraft in stock trading occur from time to time. In addition, many banks issue credit cards to people with unstable income, which also lays a great risk hidden danger. All these reflect the problem that some commercial banks blindly pursue the number of cards issued, but do not strictly examine the identity of applicants or lower the threshold.

Measures to prevent credit card risks

1. Strengthen publicity and raise cardholders' awareness of risk prevention.

The relevant departments should attach great importance to the publicity of the knowledge about the safe use of bank cards, constantly innovate the publicity methods, and enhance the effectiveness of publicity. When selling bank card products, issuing banks should not only introduce the advantages of bank card products, but also pay attention to introducing their risk points and safe use knowledge. For the bank card risk cases that have occurred, it is necessary to disclose them in time through the media, etc., so as to improve the cardholder's understanding of criminals' modus operandi and master the corresponding preventive measures, and improve the cardholder's awareness and ability of prevention.

2. Strengthen the management of special merchants of bank cards to prevent fraud risks.

Strengthen the examination and approval of special merchants and daily supervision and management. First, strictly implement the admittance system of special merchants, pay attention to carefully examine and investigate the legitimacy of special merchants and the authenticity and validity of relevant business data, analyze their management level, risk degree and market potential according to their nature, business scope, scale and liquidity, and set corresponding risk control parameters to effectively prevent and control risks. The second is to strengthen the daily training of special merchants, enhance their risk awareness and avoid the risks caused by human error. It is necessary not only to strengthen the training of business skills of special merchants, but also to strengthen the cultivation and education of compliance awareness, responsibility awareness and risk awareness of special merchants. The third is to strengthen the dynamic monitoring of acquiring business behavior and abnormal transactions or changes of special merchants. For example, if the amount, transaction number, transaction place and transaction type of foreign currency credit cards change, the degree of risk can be analyzed and judged, and customers can be informed and reminded in time through SMS, email, etc., so as to improve customers' participation and sense of security, and find risks and prevent risks more quickly.

3. Strengthen internal management and guard against operational risks.

It is necessary to strengthen internal management, formulate and improve a set of business operating rules and regulations such as the Operating Rules for Credit Card Business, the Management System for the Use of Machines and Passwords, the Management System for Contact with Merchants, and the Supervision System after the Event, so as to standardize business operations and control operational risks; At the same time, it is necessary to strengthen system implementation and strengthen risk control.

4. Establish and improve the "personal credit information system" to prevent credit risks of cardholders.

Banks should unite to establish a "personal credit database" including the whole society, including customer identity documents, criminal records, card records, tax payment, deposits in banks, credit card overdrafts and returns, etc. This can avoid the repeated credit investigation of the same customer by various banks and the limitation and incompleteness of the investigation, thus improving work efficiency and preventing the phenomenon of multiple banks granting credit at the same time. It is very necessary for the banking industry to jointly guard against risks and give criminals an opportunity to protect the common interests of the banking industry.