关于不法份子利用假冒银行APP实施诈骗的风险提示！
<p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">近期，我省范围内多个银行机构发现，不法分子利用假冒银行APP，冒充银行客服以办理贷款名义对银行客户实施诈骗。现将该类诈骗手法刊发于后，希望广大群众提高警惕，避免上当受骗，同时建议各大银行注意加强宣传防范力度，及时采取有效措施保障客户资金安全，切实维护人民群众合法权益。</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;"><span style="font-weight: bolder;">诈骗手法</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">不法份子模仿农业银行、交通银行、招商银行等官方APP图标，伪造假冒银行APP，通过非法渠道获取到客户信息，冒充银行信贷工作人员与客户取得联系，发送假冒银行APP链接，并指导客户下载安装。</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;"></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;"></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;"></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;"><span style="font-weight: bolder;">（各类假冒银行APP）</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">随后诱导客户进行所谓的贷款操作，当假冒银行APP显示贷款已到账，但客户无法提现时，“客服”便会谎称贷款资金已被银保监会冻结，需要客户提供本人身份证、银行卡及个人手持身份证照片进行核实，并要求交纳贷款金额的一定比例资金作为“认证金”到指定账户，证明该银行卡为本人所有，由平台核实后向银保监会申请资金解冻，才能将贷款及“认证金”一同打给客户。</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;"></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;"></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;"><span style="font-weight: bolder;">（“贷款成功”及“冻结通知”）</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">期间“客服”还会引导客户修改手机银行转账限额，并诱导进行大额转账，如果不按对方要求操作，不法分子便称客户的“贷款合同”已经生效，如果不交纳“认证金”，不但无法提现贷款资金，每月仍需还款，如不还款将影响征信。</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;"></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;"><span style="font-weight: bolder;">（“贷款合同”）</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;"><span style="font-weight: bolder;">套路解析</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">01</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">·<span style="font-weight: bolder;">伪造相似软件，诱骗客户上当</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">不法分子模仿银行官方APP图标，伪造相似软件，客户在下载注册时潜意识中已经默认了其安全性，更易被迷惑欺骗。</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">02</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">·<span style="font-weight: bolder;">掌握个人注册信息，打消疑虑</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">不法分子利用伪造APP收集客户在注册、使用时输入的卡号、身份证号等个人信息，诈骗时再“反向”提供给客户用以核对验证，获取信任。</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">03</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">·<span style="font-weight: bolder;">伪造监管部门公告，施加压力</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">不法分子伪造银保监文件，假借监管之名混淆视听，制造心理压力，引导客户按其指示进行操作。</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">04</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">·<span style="font-weight: bolder;">提供线下地址，提升真实性</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">不法分子与客户进行线上沟通的同时，提供可线下提交资料的虚假地址，且通常为大城市大型机构所在地址，给客户形成一种全面、周到而又专业的错觉，进而落入不法分子圈套。</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;"><span style="font-weight: bolder;">给银行机构的防范建议</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">01</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">·<span style="font-weight: bolder;">下发风险提示</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">各银行机构要广泛利用线上、线下各类渠道向客户下发风险提示信息，告知客户假冒APP软件诈骗手法，提醒客户若遇到类似情况，应第一时间与开户行或银行官方客服电话取得联系，进行核实确认，不要轻易相信所谓“网络客服”的留言。</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">02</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">·<span style="font-weight: bolder;">加强宣传引导</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">进一步引导客户提高对个人信息的保护意识，不要轻易下载或点击来路不明的APP、链接或文件，防止因信息泄露被不法分子利用实施电信诈骗。涉及钱款问题一定要慎之又慎，做到不听、不看、不信、不汇款、不转账，一旦遭遇诈骗要及时报警。</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">03</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">·<span style="font-weight: bolder;">加大与公安机关协作</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">各银行机构应加大与公安机关等单位协作，若行内客户出现资金被骗等情况，第一时间梳理涉案账户、开户行等信息并提交当地公安机关，为公安机关及时开展追赃挽损、打击犯罪等工作提供帮助。</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">04</p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">·<span style="font-weight: bolder;">完善风险处置机制</span></p><p class="one-p" style="margin-top: 0px; margin-bottom: 2em; padding: 0px; line-height: 2.2; overflow-wrap: break-word; font-family: Microsoft Yahei, Avenir, Segoe UI, Hiragino Sans GB, STHeiti, Microsoft Sans Serif, WenQuanYi Micro Hei, sans-serif; font-size: 18px; white-space: normal;">持续完善优化风控机制，不断提升应对风险事件的能力，第一时间采取有效措施遏制风险事件扩散，切实维护客户资金安全。</p><p><br/></p><link rel="stylesheet" href="//bbs.quxian.net/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_JZ4" id="wcn_editor_css"/>
页:
[1]