When is the anti-fraud publicity month in 2023?

When is the anti-fraud publicity month in 2023? The answer is as follows:

The National Anti-Fraud Publicity Day is not April 4th. According to relevant data, in order to help the public raise their awareness of safe payment and enhance their anti-fraud ability, China Payment and Clearing Association and its member units set the national anti-fraud publicity day as 6.29. Anti-fraud is a service that allows users to quickly identify anti-fraud behaviors such as online transaction fraud, card theft and telephone fraud.

Online anti-fraud is very necessary and indispensable in Internet finance. It consists of risk identification of user behavior, blacklist or credit information system.

165438+129 October In recent years, with the rapid development of the digital economy, new cyber crimes represented by telecommunication network fraud have become increasingly rampant. At the national level, anti-fraud measures are constantly improved to prevent, curb and punish telecommunication network fraud activities and protect the legitimate rights and interests of citizens and organizations. The Law of People's Republic of China (PRC) on Combating Telecommunication Network Fraud (hereinafter referred to as the Anti-Fraud Law) was passed at the 1 3rd NPC Standing Committee on September 2, 2022, and will be implemented on February12022.

As a special legislation, the Anti-Fraud Law clearly puts forward the relevant provisions of financial governance, and puts forward anti-fraud responsibilities and requirements for financial institutions such as banking. What impact will this have on the financial industry? What challenges will banking financial institutions face and how to deal with them effectively?

Clarify the main responsibility

The anti-fraud challenge of financial institutions is increasing.

As the last link of telecommunication network fraud, no matter how fraudulent means are updated, financial institutions are bound to be involved in account opening and fund transfer. Therefore, banks and other financial institutions have become important executors to curb the high incidence of telecommunication network fraud crimes.

On the one hand, the implementation of the Anti-Fraud Law further provides legal compliance for financial institutions to carry out anti-fraud risk control. In the chapter of financial governance, the law clearly puts forward requirements for financial institutions, such as strengthening account opening verification, enjoying enterprise information and monitoring abnormal transactions. Banking financial institutions will be able to standardize their powers and responsibilities, have laws to follow in all their work, better play the role of "filter" and "safety valve" in preventing and controlling illegal fund transfer, and safeguard people's property safety. On the other hand, clarifying the main responsibility of financial institutions actually puts forward higher requirements for the anti-fraud ability of banks.

In fact, the banking industry has been carrying out anti-fraud work for a long time. Combined with the relevant requirements of Anti-Fraud Law, it is the social responsibility that banking financial institutions must practice to constantly improve the working mechanism of preventing and controlling telecommunication network fraud crimes, further enhance the prevention and control ability and level, and protect the property safety of the people.

Under the pressure of accelerating regulatory requirements and the risk of digital fraud, the anti-fraud work of banks is also facing more and more challenges.

First, data system governance needs to be improved. Bank card account information is huge and scattered in various business systems. There are obstacles in data information sharing and reuse, and there is a lack of unified anti-fraud subject risk knowledge base and customer portrait data.