Deputies proposed transfer t+1 model fraud prevention bank called infeasible 浙江科技学院教务管理系统

Deputies proposed transfer T+1 model of anti fraud bank said sina is not feasible fund exposure table: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click on [I want to complain], Sina help you expose them! Nandu news reporter Li Yakun in the fight against telecommunications fraud, Shenzhen National People’s Congress Mai Qingquan was in the country this year NPC and CPPCC period, to the people’s Bank of Chinese and the Ministry of public security, the bank put forward implementation of T +1 mode on the strange account transfer proposal, namely the implementation of delayed one day arrival of this kind of risk transfer behavior, so that the victims found after being cheated alarm zhuizang. But the banking industry is lukewarm. Yesterday, Mai Qingquan told reporters in Nandu, he believes that if the early implementation of the T +1 mode, Yulin Xu type of tragedy can be avoided. The victim response lag, criminals transfer and high efficiency have served two consecutive session of the National People’s Congress of the wheat Qingquan is Chinese Federation of the Standing Committee, vice chairman of Guangdong Federation of Returned Overseas Chinese, Shenzhen Huayu group ceo. Anti fraud information and long-term focus on research, Mai Qingquan put forward the "Bank of the implementation of T in the strange account transfer +1 model", T is "heaven" is the first letter of the alphabet, +1 refers to the day of delay. This measure can effectively curb the high incidence of information fraud in Mai’s view. "Information fraud, after criminals cheat money, is the way to spread the The heavenly maids scatter blossoms., money laundering to multiple accounts, cash, cash or in many overseas." Mai Qingquan believes that the banking industry transfer into account in real time, improve liquidity efficiency, but after being used by criminals has become a big information fraud accomplice. Statistics show that in June 2013 this year during the national NPC and CPPCC, Shenzhen reported the information fraud cases, the victim cheated in 30 minutes found only 3513 cases, the total (more than 50 thousand) less than 7%, a lot of people can’t react in time after being cheated. However, criminals in 30 minutes to complete all funds transfer operations reached more than 2.78, accounting for 55.5% of the total. The reaction time is longer the victims of criminals, efficient transfer caused ZhuiZang extremely difficult. Many cases arrested the suspect, but the illicit money has no recourse. A delay of one day accounts for 90% of the losses From the national point of view, many local public security organs have established cooperation mechanism with the banking industry. Shenzhen police set up counter information fraud Center since June 2013, effectively improving the response rate of information fraud. Deceived the public often only need a phone, the police can quickly, contact the bank, take the payment mechanism, freeze the money as soon as possible. Such efforts have yielded some results. In Shenzhen, for example, in recent years, more than 500 million yuan has been frozen. But in 2015 the country due to fraud information loss is still as high as 22 billion 200 million yuan, the proportion of little stolen goods. Is a big reason, people found cheated of the time often lags behind, react after the money has been distributed to take now, who has no purpose. Mai Qingquan also told the reporters in Nandu, in the investigation, the public security department comrades told him, as long as the turn theory

人大代表提议转账T+1模式防诈骗 银行称不可行 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!   南都讯 记者李亚坤 针对打击电信诈骗,深圳的全国人大代表麦庆泉曾于今年全国两会期间,向中国人民银行和公安部,提出银行对陌生账户转账实施T +1模式的建议,即对该类高危转账行为实施延迟一天到账,以便受害者发现受骗后及时报警追赃。   不过银行业对此反应冷淡。昨日,麦庆泉告诉南都记者,他认为,如果T +1模式早日实施,徐玉玉式的悲剧可避免。   受害者反应滞后,犯罪分子转账高效   已连续担任两届全国人大代表的麦庆泉是中国侨联常委、广东侨联副主席、深圳华昱集团总裁。长期关注反信息诈骗并多次调研后,麦庆泉提出了“银行对陌生账户转账实施T +1模式”,T是“天”的拼音首字母,+1则是指延迟一天。   这一措施在麦庆泉看来,能够有效遏制信息诈骗案的高发。   “信息诈骗中,犯罪分子骗到钱款之后,采用的是天女散花的方式,将钱分散到多个账户,进行洗钱取现,很多还是在境外取现。”麦庆泉认为,银行业转账实时到账,提高了资金流动效率,但是被犯罪分子利用之后,成为了信息诈骗一大帮凶。   统计显示,2013年6月到今年全国两会期间,深圳接报的信息诈骗案件中,受害人在30分钟内发现被骗的只有3513宗,占总量(5万多起)不到7%,很多人被骗之后不能及时反应过来。然而犯罪分子在30分钟内完成全部资金转账操作的达到2 .78万余起,占总量的55 .5%。受害者较长的反应时间,犯罪分子高效率的转账,导致了追赃极为困难。很多案件抓获了嫌疑人,赃款却无从追索。   延迟一天到账可挽回90%的损失?   从全国来看,多地公安机关已与银行业建立合作机制。深圳警方自2013年6月设立反信息诈骗中心,有效提高对信息诈骗案的反应速度。被骗市民往往只需要一个电话,警方即可以快速反应,联系银行,采取相应的止付机制,尽快冻结涉案嫌疑款项。   这样的努力取得了一些效果,以深圳为例,近几年通过这样的方式被冻结的款项超过5亿元。但是2015年全国因信息诈骗损失仍高达222亿元,追赃所占比例甚少。一大原因在于,市民发现被骗的时间往往较为滞后,反应过来后,钱款已经被分散取现,止付已经毫无用武之地。   麦庆泉也告诉南都记者,调研中,公安部门的同志告诉他,只要转账能延迟1天到账,公安部门能把90%的钱追回来。   银行方初步回复T +1模式“不可行”   这一建议提出后,中国人民银行深圳分行曾在今年6月在深圳组织过一次座谈会,部分银行以及企业参与了座谈。   南都记者获悉,会上有企业代表认为,转账实时到账是社会进步的表现,退回到延迟一天到账,与社会发展规律相违背,也降低了公司运作的效率。有的银行则担心,延迟到账可能误伤紧急用款的客户,系统改造也会造成银行运营成本的增加。这一次座谈会后,中国人民银行曾作出一个初步的回复,认为T +1模式并不可行。   目前,麦庆泉仍在就信息诈骗多方调研。徐玉玉事件令麦庆泉非常痛心,他认为,徐玉玉就是在案发当晚才发现受骗,此时距离案发尚不足一天,倘若银行业实施T +1模式,这样的悲剧就可以避免。 进入【新浪财经股吧】讨论相关的主题文章: