来源：南京警方 一笔40万元的被骗钱款 被"打散"到全国1418个账户 如同石沉大海 追踪止付难度极大 南京警方改变思路、反向操作 从成千上万条流水里 梳理分析 逆向追流 12月20日18:15 由南京市公安局与南京电视台 联合打造的法治专栏 《南京警方在线》第61期 为你讲述南京警方如何在千余个账户中 一笔一笔追回正义 2025年国庆节期间 徐女士在某交友网站 极短时间内 又迅速分散到65个二级账户 最后更是流向了1351个三级账户 结识了一名自称在某部队服役的"军人" 对方的体贴入微关怀 赢得了徐女士的好感与信任 并在其引导下进行项目投资 从试水500元成功提现 到陆续投入40万元无法取出 徐女士才意识到掉进了诈骗陷阱 接到徐女士报案后 追踪难度如同大海捞针 但民警们没有放弃 他们兵分多路 筛查1418个账户 挨个打电话、沟通、取证 还前往外地 南京警方第一时间启动 紧急止付和侦查程序 发现40万元资金 被转入2个一级账户 找到其中一个收款人李女士 面对突然到来的警察 李女士不知道发生了什么 经过详细了解前因后果 发现李女士也正陷入相同的骗局 诈骗分子将徐女士的10万元 作为"借款"转给李女士 只为获取信 ...

在反诈劝阻工作中，冒充公检法类的诈骗是让警方较为头痛的一种情况，骗子会制作假警服、假证件、 假逮捕令等工具，用来恐吓当事人。在被骗子深度洗脑后，当事人见到上门劝阻的民警转身就跑，拒不 开门。这样的一幕，前不久就发生在山西太原。当地一居民报警求助，他的妻子黄女士接到了冒充公检 法的诈骗电话，随时都有转账风险。 接到报案后，警方立即驱车赶往黄女士家中，准备对她进行劝阻，然而仅仅是开门这一步，就遇到了阻 碍。经过一番交涉，民警终于敲开了黄女士的家门，发现她还在跟骗子保持联系，于是警方开始苦口婆 心地劝导她。 民警：公安机关是从来不会通过电话来办案的，我们怎么办案的您也看到了，是不是咱们面对面，我见 了你我要跟你表明我的身份，给您亮我的工作证。 见黄女士还是将信将疑，民警灵机一动，主动提出要跟对面的假警察打视频通话对峙，一场猫鼠游戏就 此上演。 民警：我们是太原市公安局万柏林分局反诈中心的。 骗子：你好，稍等我一下。 民警：来，你把你的视频打开。 骗子：稍等我一会儿，我问一下警察叔叔，你是怎么来到这里的。 民警：因为你正在骗这个老人家，所以我们就来到这里了，我们要拆穿你的骗局。 民警：冒充公检法诈骗，我现在已经对你实 ...

Core Viewpoint - Luzhou Bank prioritizes customer fund security amidst the complex telecom network fraud landscape, establishing a comprehensive anti-fraud system through human, mechanism, and technology defenses, demonstrating professional risk control capabilities and social responsibility [1] Group 1: Customer-Centric Approach - The bank adheres to a "customer-centric" philosophy, focusing on safeguarding customer funds by quickly identifying various scams such as "borrowing money for medical treatment" and "money laundering through gold purchases" [2] - Staff members utilize a combination of professional sensitivity and rigorous work ethics to efficiently intercept suspicious funds at the first line of defense [2] Group 2: Police-Bank Collaboration - Luzhou Bank has established an efficient police-bank linkage mechanism through a "direct reporting channel," allowing for immediate reporting of suspicious activities to the anti-fraud center [3] - This collaboration enables rapid verification of anomalies and urgent fund freezing, significantly enhancing anti-fraud efficiency and aiding in the capture of criminal suspects [3] Group 3: Technological Empowerment - The bank employs an intelligent risk control system that continuously monitors transactions, transforming from a "passive response" to a "proactive approach" in identifying suspicious fund activities [4] - The risk control system categorizes accounts based on geographical regions and customer characteristics, improving the breadth and accuracy of risk identification [4] - Luzhou Bank also engages in various anti-fraud public awareness campaigns to enhance the public's ability to recognize and prevent fraud [4]

临近年底，新型诈骗活动频发。近期，全国多地警方已发布风险提示。为大家盘点了几类最新骗局及防范要点，帮助大家筑牢安全防线，守好"钱袋 子"。 L FIT LE H .. Home 你的主力 未成年人成新目标 假借游戏弄师诈骗 诈骗分子开始将缺乏辨别能力的未成年人作为新目 标。近期,有9岁男孩在玩游戏时,被自称可带徒弟 的"师父"搭讪。"师父"引导孩子下载声称能领 退款的App,随后又让其下载具备屏幕共享和远程 操控功能的App。"客服"以"操作需验证"为 由,让孩子拿着手机去找家长进行人脸识别。毫不 知情的家长一旦刷脸,就等于授权了支付功能,账 户资金会被迅速转出。 警方提醒 加强教育:定期对孩子进行反诈教育,告诫他们不 要轻信网络上陌生人的承诺。 管好密码: 不将支付密码告知孩子, 并定期更换。 关闭免密:为支付APP设置支付密码,关闭免密支 付功能。 年底反诈预警 犯罪团伙利用新手网络主播急于涨粉涨流量的心 理,不断抛出"包上热门""快速涨粉"等诱人的 话术,反复强调自己手握"官方内部资源",能帮 新手主播快速实现流量突破。他们通过分配流量、 签约、授课等方式,骗取想靠直播走红的主播的签 约费用,然后承诺每 ...

据悉，此次培训是武陟县邮银双方深化协同合作、践行社会责任的重要举措，也是构建反诈工作合力的 具体实践。培训中，武陟县反诈中心民警结合近年来高发的电信网络诈骗案例，聚焦"虚假投资理 财""冒充客服退款""冒充公检法"等常见诈骗类型，深入剖析了诈骗分子的作案手段、话术设计及诱导 逻辑。 来源：环球网 为进一步筑牢金融安全防线，提升金融从业者反诈履职能力与群众风险防范意识，近日，邮储银行武陟 县支行联合该县邮政分公司、县反诈中心，共同组织网点一线员工开展反诈宣传专题培训。 针对银行网点业务场景，工作人员重点讲解了开户审核、转账汇款、大额资金异动等环节的反诈防控要 点，指导员工如何快速识别可疑交易、拦截诈骗风险，并向客户开展有效的反诈提示。 下一步，邮银双方将持续强化与反诈中心的合作，通过张贴宣传海报、发放宣传手册、利用网点LED屏 滚动播放反诈标语等多种形式，向广大群众普及反诈知识，切实提升群众的识骗、防骗、拒骗能力，全 力守护群众的"钱袋子"，为维护地方金融秩序稳定贡献邮银力量。（谢新平） ...

Core Insights - Douyin is enhancing its anti-fraud capabilities by introducing new intelligent tools, including a 24/7 smart service through its official anti-fraud account "Douyin Anti-Fraud" [1] - The platform aims to educate users about new scams and provide practical anti-fraud techniques to strengthen user awareness [1] - Douyin's intelligent service allows users to report suspicious situations and receive real-time analysis and responses based on a knowledge base and fraud identification model [1][2] Group 1 - Douyin's official anti-fraud account now features a smart service that provides users with immediate assistance when encountering risks [1] - Users can access the service by searching for "Douyin Anti-Fraud," following the account, and sending a message describing their issue [1] - The intelligent system offers a one-stop service from consultation to verification and reporting [1] Group 2 - The new feature is part of Douyin's ongoing upgrades to its anti-fraud tools, which began with the launch of the "Verification Assistant" in December 2024 [4] - The "Verification Assistant" has undergone multiple upgrades this year, adding features like "one-click query of official contact records" and "official dynamic verification codes" [4] - Over the past year, 7.266 million users have utilized the "Verification Assistant," with an average of 80,000 users daily verifying information [4] Group 3 - Douyin's fraud identification model has flagged over 10,000 suspected high-risk items for manual verification, successfully preventing over 15,000 potential victims through outbound calls [4] - The platform's core anti-fraud functions aim to enhance public fraud prevention capabilities and protect user rights [4] - Douyin plans to continue upgrading technology and disseminating knowledge to systematically dismantle fraud techniques and issue timely risk warnings [4]

Core Viewpoint - The new regulations from the People's Bank of China and other financial authorities signal a shift in anti-money laundering (AML) practices, moving from a fixed threshold approach to a risk-based management model, effective from January 1, 2026 [2][3]. Group 1: Regulatory Changes - The requirement for individuals to declare the source of cash withdrawals exceeding 50,000 yuan has been removed, aligning with the draft regulations [2]. - Banks will now assess the risk level of transactions and may conduct enhanced investigations for high-risk situations, while simplifying procedures for low-risk cases [2][3]. Group 2: Market Response and Implications - The previous regulation faced criticism for its inefficiency and the potential for over-execution, which could infringe on customer rights [3]. - The cancellation of the cash declaration requirement is seen as a response to market demands and indicates a broader shift in financial regulatory thinking towards risk-based management [3][4]. Group 3: Future Challenges and Technological Integration - The new approach does not imply a relaxation of AML requirements; rather, it emphasizes proactive risk identification by banks [4]. - Financial institutions will need to enhance their risk assessment capabilities and leverage technologies such as big data analysis and AI models to balance security and convenience [4]. Group 4: Implementation and Oversight - Effective implementation of the new regulations will require strict oversight from relevant authorities to prevent excessive local enforcement measures [5].

Core Viewpoint - The newly released "Measures for the Management of Customer Due Diligence and Customer Identity Information and Transaction Record Retention" by the People's Bank of China and other regulatory bodies emphasizes a risk-based approach to customer due diligence, aiming to balance anti-money laundering (AML) measures with the optimization of financial services [1][2][4]. Group 1: Risk-Based Customer Due Diligence - Financial institutions are required to conduct customer due diligence based on the characteristics of customers and the nature of their transactions, avoiding mismatched measures against money laundering risks [1][2]. - Simplified measures can be applied for low-risk scenarios, such as pension accounts, where customer income sources are clear and stable, while enhanced due diligence is necessary for high-risk situations, such as unusual transaction patterns [2][3]. - The purpose of customer due diligence is to fulfill AML obligations and identify abnormal situations, serving as a critical defense against money laundering activities [3][4]. Group 2: Privacy and Compliance - There are concerns regarding the legitimacy of customer information requests during due diligence, but such practices align with international standards and are necessary for preventing financial system abuse [4][5]. - Financial institutions must balance the need for customer information with privacy protection, ensuring that customer identity and transaction data obtained during AML efforts are kept confidential [4][6]. Group 3: Balancing Security and Convenience - The management approach seeks to find a balance between security and convenience in customer due diligence processes, acknowledging that excessive focus on convenience may compromise financial security [6][7]. - The distinction between AML and anti-fraud measures is important, as AML relies on customer due diligence and transaction monitoring, focusing on preventive measures tailored to specific risk scenarios [7].

Core Viewpoint - The article emphasizes the need for precise anti-fraud measures to avoid unnecessary inconvenience to the public while effectively combating telecom network fraud [1][2][3] Group 1: Current Issues in Anti-Fraud Measures - There has been an increase in over-execution and "one-size-fits-all" approaches in anti-fraud efforts, leading to public inconvenience such as excessive questioning during bank transactions and the need for proof of innocence for phone number reactivation [1] - The root cause of these issues lies in the "lazy governance" mindset, where responsibilities are shifted to the public, resulting in a distortion of policy execution [1] Group 2: Legal and Procedural Framework - Anti-fraud measures must adhere to legal frameworks, such as the Anti-Telecom Network Fraud Law, and should not impose additional requirements without legal authorization [2] - Proper procedures must be followed to ensure the public's right to be informed, appeal, and seek redress, with measures being necessary and minimally damaging to public rights and convenience [2] Group 3: Technological Solutions - Technology plays a crucial role in achieving precise anti-fraud measures, with AI and big data providing viable paths for risk assessment and intervention [2] - The shift from broad measures to targeted interventions is essential for balancing security and convenience, allowing for effective fraud prevention while minimizing disruption to the public [2] Group 4: Importance of Public Trust - The effectiveness of anti-fraud work relies on genuine public understanding and support, necessitating a focus on legal principles and precise measures to avoid "collateral damage" [3] - Balancing property security and the protection of legitimate rights is critical for maintaining public trust in anti-fraud initiatives [3]

Group 1 - A young female customer reported unauthorized deductions from her bank account, totaling 4,998 yuan, after unknowingly agreeing to an automatic renewal for a "free sample" on a beauty app [1] - The customer was misled into providing sensitive information, leading to further fraudulent requests for additional payments [1] - The bank's customer service manager acted quickly to freeze the customer's account and advised her on how to report the fraud and gather evidence [1] Group 2 - The customer service manager provided anti-fraud education, emphasizing the importance of canceling automatic renewals and not sharing sensitive information like SMS verification codes [2] - The bank also assisted the customer in downloading the national anti-fraud app and setting up call alerts to enhance her security [2] - The initiative reflects the bank's commitment to customer safety and the dissemination of fraud prevention knowledge [2]