摘要
I
A 银行苏州分行应对外部诈骗的策略研究
中文摘要
随着中国改革开发的深化，国家的经济得到了进一步地发展。经济的繁荣使得人
们更加习惯于使用账户间转账或者支付凭证来替换原有的现金交易方式。这些方式虽
然更快捷、准确，但也降低了交易信息的真实性，不可避免的带来了外部诈骗这一问
题。商业银行外部诈骗是近几年来频繁发生在我国银行界的一种犯罪活动，其手段方
式复杂多样且活动遍布全国，不仅给商业银行和客户造成资金损失，还影响客户对银
行的信心、危害银行的声誉，尤其是发生在山东的女大学生被骗导致身亡事件，更体
现出外部诈骗危害的严重性。如何应对外部诈骗、减少银行和客户损失成为商业银行
管理中的一个重要项目

本文在阐述了研究背景、研究意义后，在归纳国内外文献中的理论基础上进一步
了解了当前国内外商业银行应对外部诈骗的现状。并对现行的外部诈骗的类别和手段
加以阐述，以 A 银行苏州分行作为研究对象，对其发生的外部诈骗事件现状进行调
查和研究，总结这些事件中的风险要素，并分析这些风险要素的特征，针对这些特征
因素提出适合 A 银行苏州分行的防范外部诈骗的应对策略

关键字：外部诈骗 A 银行苏州分行 应对策略
作 者：范慕洲
指导老师：尹洪英ABSTRACT A research about the strategy which A bank suzhou branch tackle external fraud
II
A research about the strategy which A bank suzhou branch
tackle external fraud
Abstract
With the deepening of China&39;s reform and development, got further development of
the country&39;s economy. The prosperity of economy makes people more accustomed to
using transfers between accounts or cash voucher to replace the original way to trade.
Although these way more quickly and accurately, but it also reduces the authenticity of the
transaction information, inevitably bring about external fraud. External fraud happened
frequently in recent years of commercial bank in our country banking a crime, it means
way, diverse and complex activities across the country, not only capital loss to commercial
Banks but customers, also affect the customer’s confidence to the Banks, harm the
reputation of the bank, especially the female college students in shandong were tricked into
died, more reflect the seriousness of the harm of external fraud. How to tackle external
fraud，reduce the loss of Banks and customers becoming an important project in the
commercial bank management.
This article expatiates on the research background, research significance, based on the
theory of literature at home and abroad to further understand the current status of domestic
and foreign commercial Banks to deal with external fraud. And outside of the existing
categories and means of fraud are discussed, with A bank suzhou branch as the research
object, the current situation of external fraud incident investigation and research,
summarized the risk factors of these events, and analysis of the characteristics of these risk
factors, according to these factors are presented for A bank suzhou branch of external fraud
prevention strategies.
Key word：External Fraud A Bank Suzhou Branch Tackle Strategies
Written by:fanmuzhou
Supervised by:YinHongying目 录
第一章 绪 论 .......1
1.1 研究背景和意义.......1
1.1.1 研究背景.........1
1.1.2 研究意义.........2
1.2 文献综述.......3
1.2.1 国内文献综述.3
1.2.2 国外文献综述.6
1.3 研究方法、思路和框架.......8
1.3.1 研究方法.........8
1.3.2 研究思路.........8
1.3.3 文章框架.........9
第二章 商业银行外部诈骗的分类及其手段.....10
2.1 商业银行外部诈骗的定义及其分类.........10
2.1.1 外部诈骗的定义.......10
2.1.2 商业银行外部诈骗的分类...10
2.2 商业银行外部诈骗主要手段.........10
2.2.1 针对客户的诈骗.......10
2.2.2 针对银行的诈骗....... 11
2.3 本章小结.....12
第三章 A 银行苏州分行的业务特征及其外部诈骗的典型问题分析.13
3.1 A 银行苏州分行的业务特征.........13
3.1.1A 银行的业务特征....13
3.1.2A 银行苏州分行的业务特征13
3.1.3A 银行苏州分行的区域特征13
3.2 A 银行苏州分行所面对的外部诈骗现状与问题分析.....14
3.2.1 事件高发且呈攀升趋势.......143.2.2 涉及金额巨大且大金额占比高.......14
3.2.3 手段技术先进且不断翻新...14
3.2.4 诈骗行为组织化，防范难度增加...14
3.3 A 银行苏州分行应对外部诈骗中的缺陷分析.....15
3.3.1 风险认识不足，监管处罚宽松.......15
3.3.2 银行产品的多样化和机具的自助化，放大诈骗风险.......15
3.3.3 网点遍布城乡，事发概率提升.......16
3.3.4 后续处理机制不完善...........16
3.4 本章小结.....17
第四章 A 银行苏州分行外部诈骗的风险特征分析.....18
4.1 电信诈骗.....19
4.1.1 假日因素.......20
4.1.2 地区因素.......21
4.1.3 年龄因素.......22
4.1.4 渠道因素
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