In recent years, with the increasing efforts to crack down on telecom network fraud, anti-fraud propaganda has gradually penetrated into all corners of schools and communities. However, in the face of the frequent "tricks" of telecom network fraud methods, can anti-fraud propaganda keep up with the new situation and new changes? What are some effective ways to deal with telecom network fraud? Recently, the Social Survey Center of China Youth Daily jointly responded to the questionnaire network (wenjuancom), a survey of 1,500 respondents, showed that in response to the financial risks posed by telecom network fraud, 578% of respondents would consider using the digital yuan to raise public awareness and prevention awareness of telecom network fraud and related illegal crimes, 70Nine percent of respondents believe that "technical precautions should be strengthened".
Tackling the risk of online fraud 578% of respondents would consider using the digital yuan.
Nowadays, the development of the digital yuan has also provided some new ideas for anti-fraud work. According to Ma Lingsheng, a lawyer at Guangdong Duhui Law Firm, the digital yuan will play a certain role in restricting online fraud. First of all, e-CNY always exists in an anonymous form during the transaction and circulation process, and the merchant platform cannot directly obtain the user's personal information (the user's real-name information, final transaction amount, transaction flow and capital chain can only be open to the central bank), which is conducive to personal information security and privacy protection, and reduces the risk of fraud caused by the leakage of users' personal information. Second, the digital yuan is electronic and retrospective. When fraudsters use e-CNY to trade, when an abnormality is found in a certain link, the relevant departments can quickly freeze the stolen money to prevent further flow, and then locate the fraudster based on the transaction information of e-RMB.
Luo Jia, who is engaged in the related work of enterprise financial informatization, has also paid attention to the digital yuan, and he learned that the digital yuan is based on blockchain technology and has some characteristics of traceability and decentralization, but it is not particularly popular, "many people may not even know the concept, and it seems to be no different from electronic payment." In addition, he also feels that the current access to the digital yuan is very limited, "I need an online universal software, built by an authoritative distribution platform, if it is mature, I will consider using it in the future."
In the investigation, in order to deal with the financial risks caused by telecommunication network fraud, 578% of respondents would consider using the digital yuan, 271% of respondents said it was "hard to say".
In telecom network fraud, criminals often use rented or lent accounts to commit fraud. In order to fundamentally solve the problem of renting or lending accounts, Liu Deliang, director of the Asia-Pacific Network Law Research Center, believes that we should start with the transfer link and further improve the verification mechanism, such as using dynamic face recognition and other technologies to ensure the security of the transfer process. But on the other hand, he also said that in the era of artificial intelligence, any identity information has the risk of being fraudulently used, which also brings difficulties to technical prevention.
Anti-fraud should intensify publicity on "money laundering after being defrauded".
Fundamentally, it is necessary to improve everyone's awareness of safety precautions. Liu Deliang believes that in real life, telecommunications network fraud methods have been constantly updated, in response to this situation, the relevant departments should increase publicity, unremittingly to publicize various new types of fraud methods to the masses, timely education, so that everyone can establish a strong sense of security precautions. "This requires the joint efforts of the relevant departments, the state, society and schools."
Luo Jia feels that the current anti-fraud propaganda "slogan-style shouting" is too blunt and absolute, and it is not convincing, and he hopes that in the future, he can change the way of anti-fraud propaganda work, and let the masses feel the harm of telecom fraud through real scenes and real cases, "so that if I encounter similar things again, I can stop losses in time."
According to the data, in order to improve the public's awareness and prevention awareness of telecommunication network fraud and related illegal crimes, 709% of respondents believe that technical precautions should be "strengthened", 679% said that the early warning mechanism should be "activated", 617% suggested "establishing a whistleblowing mechanism", and some respondents said that they would "carry out publicity and education through multiple channels" (612%), strengthening law enforcement" (477%), etc.
Wang Li feels that the focus of anti-fraud propaganda is still on "don't transfer money", and the publicity on the issue of "being deceived and laundering money" is not enough. "There are many people who are unknowingly deceived into participating in money laundering, how to tell whether they are helping criminals to commit crimes, or should we increase publicity. She believes that once the act of helping criminals launder money is eliminated, it will be of great help to the detection of subsequent cases and the protection of victims' rights.
It is still necessary to make full use of various media forms to widely publicize the harm of 'borrowing and buying cards'. Ma Lingsheng said that in banks, business halls and other source units, card opening review should be strengthened, and new card users can be given "broken card" publicity, so that they can sign a letter of guarantee. For young groups, mainly college students, it is also necessary to strengthen legal education to prevent them from being provided with their bank cards and ** cards in exchange for so-called remuneration on the grounds of part-time jobs, game recharge, running points, etc.
In the future, Ma Lingsheng also hopes to focus on improving the handling of disputed funds at the legal level, and for victims who are defrauded of funds flowing into the accounts of outsiders, outsiders can be allowed to apply to the court for confirmation of the rights of the funds involved in the case before the relevant case is transferred to the court for trial. If the court finds that the outsider has obtained the case in good faith in accordance with the law, the public security organ should promptly lift the freezing of the account involved in the case, and otherwise, it should return the funds involved in the case to the victim as soon as possible, breaking the deadlock in judicial practice in which the disputed funds cannot be directly returned to the victim and the account of the outsider cannot be unfrozen, so as to balance the legitimate rights and interests of the victim and the outsider.
At the request of the interviewee, Luo Jia and Wang Li are pseudonyms in the article).
China Youth Daily, China Youth Network Intern Reporter Wu Xinyu Reporter Sun Shan **China Youth Daily.
*: China Youth Daily.