信用卡欺诈申请及防范

信用卡欺诈申请及防范(10300字)                                
摘  要：随着信用卡欺诈申请风险的日益凸显，给公众和银行带来的损失也在不断上升。据银联统计,2008年上半年欺诈申请损失占全部信用卡欺诈损失的63.57%。而欺诈申请风险相比于其他风险,其隐蔽性更强、造成的损失也更大，加强信用卡欺诈申请风险防范刻不容缓。本文分析信用卡欺诈申请的现状，探讨欺诈申请的防控措施，以降低信用卡欺诈申请风险给人们带来的危害。
关键词：信用卡；欺诈申请；风险防范

Applications fraud and prevent of credit card
Abstract:With the credit card fraud applying risk increasingly prominent , the damage from the public and bank is also rising . According to Unionpay statistics, in the first half of 2008 for total credit card fraud losses loss 63.57% . Fraud applying risk concealment stronger, the loss has also bigger When compared to the other risks, so strengthen credit card fraud application risk prevention is urgently needed. This paper analyses the status quo for credit card fraud, discusses the prevention and control measures for fraud, in order to reduce credit card fraud applying risk gives people the harm.
Key words: Credit card; Application fraud; Risk prevention

目    录
摘要………………………………………………………………………………1
关键词……………………………………………………………………………1
一、信用卡欺诈申请的现状……………………………………………………2
    （一）中介公司欺诈申请危害大………………………………………………2
    （二）个人欺诈申请范围广……………………………………………………3
二、信用卡欺诈申请的几种手法………………………………………………3
    （一）假证件、假证明办卡……………………………………………………3
    （二）非法中介办卡…………………………………………………………3
    （三）内部员工“协助”作案………………………………………………4
        1.托亲朋好友帮忙营销……………………………………………………4
        2.批量营销…………………………………………………………………4
        3.行内员工充当联系人……………………………………………………4
三、出现信用卡欺诈申请的原因分析…………………………………………4
（一）法律体系的不健全………………………………………………………4
（二）发卡银行存在管理漏洞…………………………………………………5
        1.求量不求质………………………………………………………………5
        2.审批手续不严格…………………………………………………………5
    （三）信用体系不完善…………………………………………………………5
    （四）管理部门对公民信息的保护措施尚不完善……………………………6
四、信用卡欺诈申请风险的防范措施…………………………………………6
    （一）在信用卡核查阶段的防范方法…………………………………………6
    1.直接调查法………………………………………………………………6
        2.间接调查法………………………………………………………………7
    （二）建立好内外防范机制 …………………………………………………8
    1.建立好银行内部的防范机制……………………………………………8
    2.建立好外部防范机制……………………………………………………9
五、结束语………………………………………………………………………10
参考文献 ……………………………………………………………………10
致谢 ……………………………………………………………………………11