At present, the situation of telecommunication network fraud is severe, and it has become a type of crime with many cases, rapid rise, wide coverage, and strong reaction from the people, telecommunication network fraud has the characteristics of non-contact and remote crime, and the means of implementation are diverse, the behavior is hidden, and the degree of specialization, organization and intelligence is high, and the new type of telecommunication network fraud has become the main form of credit card fraud, which seriously threatens the rights and interests of customers.
Facing the requirements of risk prevention and control under the new payment ecosystem, the credit card center of China Merchants Bank has innovatively practiced the risk prevention and control concept of "pre-risk management, intelligent risk interaction, and customer collaborative participation", self-developed and built a smart risk control system for China Merchants Bank credit card, adhering to the original intention of "customer-centric", and carried out all-round prevention and control of credit card fraud before, during and after the event, effectively safeguarding the rights and interests of customers.
The prevention and control of telecom network fraud is not only a single point of operation, but also requires ecological joint control. Therefore, the credit card center of China Merchants Bank actively carries out police-bank cooperation, upgrades the joint prevention and control mechanism, and forms a joint force of customers, banks, and other parties.
In the process of actively cooperating with all parties in the ecosystem, through the summary of the internal risk form of credit cards, the conception of the direction of joint prevention and control, and the cooperation with all parties in the fraud industry chain, the credit card center of China Merchants Bank has developed telecom fraud risk control products and prevention and control parties that are suitable for the ecology of the capital exporter, and continuously communicates and gives feedback in the actual joint prevention and control process. Help all parties in the industrial chain to polish and form prevention and control capabilities that change and iterate rapidly with the risk situation, and help improve the overall risk control level of the industry.
In order to enhance customers' awareness of anti-telecom network fraud, the Credit Card Center of China Merchants Bank has joined forces from all walks of life inside and outside to carry out financial knowledge publicity in various forms and from multiple angles. In terms of subject matter, the topics are selected around the "Anti-Telecom Network Fraud Law of the People's Republic of China", key groups, social hotspots and consumer pain points; In terms of form, the publicity is carried out in a way that customers like to see, such as analysis of fraud methods, hot knowledge delivery, stories**, live broadcasts, and anti-fraud knowledge questions and answers; In terms of channels, based on online channels such as SMS, WeChat, Weibo, and Pocket Life APP, as well as offline channels such as campuses and communities, normal publicity and theme publicity activities are carried out. From January to September 2023, a total of more than 200 promotional pieces were sent, reaching more than 72 million customers.
As a financial institution with a sense of social responsibility, China Merchants Bank Credit Card Center adheres to the principle of "customer-centric and creates value for customers", and spreads positive financial energy while protecting the rights and interests of customers and purifying the industry ecology through joint anti-fraud and multi-dimensional financial knowledge publicity. In the future, China Merchants Bank's credit card center will continue to reform in the confrontation between offense and defense, actively help improve the overall risk control level of the industry, continue to attack telecom network fraud, and practice "finance for the people" with practical actions.