MBA教育中心知识库

  随着互联网和移动通信技术迅猛发展，电信网络诈骗作为一种新兴犯罪形式持续高发，对银行账户安全管理带来的巨大挑战。特别是在G省，电信网络诈骗案件呈快速增长态势，对农行G分行的个人结算账户风险管理提出了严峻挑战。本研究的目的在于通过理论研究和实证分析，揭示电信网络诈骗与个人结算账户之间的关系，采用文献研究法、推断统计法、访谈研究法和案例分析法，综合分析了电信网络诈骗的特点，农行G分行个人结算账户风险管理的现状和面临的挑战，以及农行G分行在应对这些挑战中采取的策略，并提出相应的风险管理改进措施，旨在提高农行G分行个人结算账户的电信网络诈骗防范管理水平。

  研究发现，农行G分行虽然已经采取了多项措施来防范电信网络诈骗，但仍面临风险识别能力不足、账户风险等级评价不健全、防范策略创新性不足和协同治理机制不畅等问题。基于这些发现，本文提出了应对策略，重点围绕建立个人账户分级分类风险评价管理体系，优化协同治理机制等提出了一系列针对性的建议，旨在提高商业银行个人账户风险管理的有效性，探索新的风险管理技术和策略，加强跨领域合作。

  本研究不仅为银行风险管理提供了理论和实践上的指导，而且对于理解和应对电信网络诈骗的更广泛挑战也具有重要意义。通过深入分析一个具体地区银行的案例，展示了如何结合理论研究与实际应用，提出有效的风险管理策略，对于同行业其他机构以及政策制定者都具有参考价值。

  With the rapid development of the Internet and mobile communication technology,telecommunication network fraud,as an emerging form of crime,has been persistently prevalent,posing significant challenges to the security management of bank accounts.Particularly in G Province,the fast-growing incidents of telecommunication network fraud have presented a serious challenge to the risk management of personal accounts at the Agricultural Bank of China's G Branch.The aim of this study is to explore the relationship between telecommunication network fraud and personal settlement accounts through theoretical research and empirical analysis.By employing methods such as literature review,inferential statistics,interviews,and case studies,this research comprehensively analyzes the characteristics of telecommunication network fraud,the current state of risk management,the challenges faced,and the strategies adopted by the Agricultural Bank of China's G Branch to address these challenges,and proposes corresponding risk management improvement measures to enhance the bank's defense against telecommunication network fraud in personal settlement accounts.

  The study finds that despite the Agricultural Bank of China's G Branch having implemented multiple measures to combat telecommunication network fraud,it still faces issues such as insufficient risk identification capabilities,incomplete evaluation of account risk levels,lack of innovation in prevention strategies,and ineffective coordination mechanisms.Based on these findings,this paper proposes strategies focused on establishing a graded and categorized risk evaluation management system for personal accounts and optimizing coordination mechanisms,among others,aiming to improve the effectiveness of commercial banks' personal account risk management,explore new risk management technologies and strategies,and strengthen cross-sector collaboration.

  This research not only provides theoretical and practical guidance for bank risk management but also holds significant implications for understanding and addressing the broader challenges of telecommunication network fraud.By analyzing a specific regional bank case in depth,it demonstrates how to combine theoretical research with practical application to propose effective risk management strategies,offering valuable insights for other institutions in the industry and policy makers.