Central bank: overall arrangement to improve the risk prevention and control level of payment industry

category:Finance
 Central bank: overall arrangement to improve the risk prevention and control level of payment industry


Joint defense and joint control, giving full play to the effect of police bank linkage mechanism

On January 16, 2020, Weifang Central Branch of the peoples Bank of China found during the daily account management monitoring that Wang opened 11 enterprise accounts in 5 banks for 3 consecutive days, and finally traced out 155 enterprise accounts opened by 44 people including Zhao registered with different enterprises respectively. Weifang central sub branch of the peoples Bank of China timely handed over the clue to the public security organ, and jointly established a special action team to track and analyze the characteristics of the gangs criminal behavior in real time. On March 23, when it was found that the suspect was still running to open an account, it immediately reported the clue to the public security organ. The police arrested Zhao that night, and then arrested 15 members of other gangs, breaking a criminal gang engaged in the sale of bank accounts.

The above case is the epitome of the cooperation between the police and the Bank of Shandong Province to build the prevention and control mechanism of telecommunication network fraud and cross-border gambling. In recent years, Jinan Branch of the peoples Bank of China, in close cooperation with Shandong Provincial Public Security Department, has sent personnel to the anti fraud center of Shandong Province, innovated and implemented the mechanism of pushing suspicious account clues, implemented the account reverse check involved in the case, and precisely cracked down on the behavior of buying and selling enterprise accounts.

Enable data to help fight against fraud and gambling

In recent years, Guangzhou Branch of the peoples Bank of China has actively used multi department government data resources to continuously improve and enrich the toolbox of enterprise bank account risk monitoring, early warning and supervision. It has built a Guangdong enterprise bank settlement account filing management system, and shared government data information such as multi type enterprise industrial and commercial registration information with Guangdong market supervision and Administration Bureau and other government departments. At the same time, combined with the case characteristics of bank account risk and the case characteristics of public security organs feedback, a number of risk monitoring models are established to give early warning to the Bank of account information abnormalities in a timely manner, and to ensure the entrance of bank account monitoring from the source. In addition, Guangzhou Branch of the peoples Bank of China guides all banking institutions to integrate daily risk monitoring system and big data resources, establish telecommunication network fraud and cross-border gambling suspicious transaction monitoring model, through intelligent analysis of suspicious transaction characteristics of various accounts, control each link of account capital transaction, and improve the precision of attack and governance.

By the end of March 2020, the banks and Payment institutions of Guangdong Province had stopped the cases of telecommunication network fraud and cross-border gambling in advance relying on the monitoring and analysis mechanism, and saved 227 million yuan of economic losses for the masses.

Check risks and help win one hundred day battle

Hangzhou Central Branch of the peoples Bank of China has deepened cooperation with Hangzhou Municipal Public Security Bureau, big data Bureau, market supervision bureau, communication administration bureau, tax bureau and other departments to give full play to the advantages of digital Zhejiang construction, utilize big data technology to comprehensively explore and thoroughly investigate the related accounts of enterprises involved in the case and the accounts of enterprises suspected of abnormal operation. During the May 1st period, the staff of Hangzhou banking institutions fought on the front line, checked and controlled a number of high-risk enterprise accounts, and effectively reduced the risk of enterprise bank accounts.

(stolen goods collected by Hangzhou police)

Technical sword to cut off the channel of blood transfusion funds of criminal gangs

From November 14 to 15, 2019, the national command for combating telecommunication network fraud at the border between China and Myanmar launched the first centralized arrest operation against the backpacker suspects who transported the stolen money out of the country to the telecommunication network fraud and cross-border gambling groups in northern Myanmar, capturing 409 backpacker suspects, severely cracking down on the hustle and bustle of criminals Zhang Qiyan.