"Guanju, I think so too. Pen %Fun %Pavilion www.biquge.info"

"It's not enough to think so, is there a good idea?"

"There are some immature ideas, in fact, I came for this," Han Bo sorted out his thoughts and talked eloquently: "First of all, there are problems with the existing mechanism, in the fight against telecom fraud, there are not only barriers between various units, but also various barriers within each department, and fraudsters are very accurate to find the junction of various departments.

Why do we do so much work, but we always fail to crack down on telecommunications fraud? It is because there are barriers between departments, and when we receive a report, we have to go to the bank or the telecommunications company, and not only have to cross the threshold of the bank and telecommunications, but also have to go through the formalities. Some banks do not have a national network, so they have to check a foreign bank card and even send people on business trips to other places.

The first thing to do when you go to the bank is to go through the procedures, and even if you get the procedures done in ten minutes, the money has already been transferred. Last year, the city cracked several cases of telecommunications fraud involving large sums of money, all of which were milled out by the case-handling personnel from bank to bank.

The analysis was very thorough, and the customs bureau and the weekly bureau nodded in unison.

Han Bo paused and continued to analyze: "Second, the punishment is too light, it is difficult to collect evidence, the conviction mechanism is not obvious, and there is no clear guidance for law enforcement. For example, buying and selling ID cards is a crime, but buying and selling a savings card is not criminalized. Last year, the Tomita branch arrested a college student who used his ID card to open more than 40 bank cards for trading, but he cannot be punished under the current law.

Judging from the clues we have, a black market for bank cards has been formed, and even a new profession has been born - card players. These people took advantage of the loophole that some banks did not strictly enforce the real-name registration system to open cards in various places to buy and sell. In a recent telecom fraud case cracked by the Luohu Branch, the suspect activated 294 bank cards within three hours, and after verification, none of the cards were strictly registered under the real-name system. ”

"Not only banks, but also telecommunications companies. "When I mentioned this week, I couldn't help but knock on the table.

"It is worth mentioning that the telecommunications fraud case cracked by the Luohu Branch has been investigated for more than two years, and it is conceivable how much of the losses of the deceived people can be recovered. ”

Han Bo took the teacup from Secretary Chen, who had just walked in, took a sip of water, and continued: "Then the soil of the entire criminal chain of telecom fraud has not been eradicated. For example, according to the rules of the financial system, Hong Kong's inter-city transfer implements 'T+1', which means that the transfer will only arrive on the first day and the next day, while our mainland will receive it in real time.

The money was transferred to the bank card designated by the fraudster, and it was transferred away in a blink of an eye, which caused great difficulties in the investigation of the case, especially the recovery of stolen goods. In the past, it was too inefficient, and it took a few days to transfer and remittance. It's too efficient right now, and it's not a good thing that the financial system is too convenient, at least when it comes to fighting telecom fraud. ”

Guan Ju couldn't help but shake his head and smiled: "Han Bo, don't count on this, what the bank wants is convenience." If you ask people to learn from Hong Kong to engage in 'T+1', people will definitely think that this is making them go backwards. ”

"Guan, I know, in fact, I'm just thinking about it. ”

Han Bo smiled embarrassedly, and continued: "So I think that the low detection rate of telecom fraud cases is due to the lack of police force, which is a misunderstanding. What is most lacking now is not 'police officers who can fight, squat, and stay up late', but talents who understand Internet technology, communication technology, and bank flows, as well as an efficient linkage mechanism. ”

"It's kind of interesting, let's be specific. ”

"Maintaining social order is not the business of our public security alone, and when it comes to cracking down on telecom fraud, we cannot rely on our public security alone. If the municipal party committee and government can set up a special office composed of our public security and all the banks in the city, the three major telecommunications companies, and the network company that develops QQ software, and all units can work together in an emergency manner, then our response speed and case-handling efficiency will be much higher. ”

"Build a strategic position to combat telecom fraud and set up a liaison mechanism?"

"Let professional people do professional things, after all, this involves public security, banking, communications and even network technology, it is no exaggeration to say that there are only a handful of people in China who can handle a telecommunications fraud case from beginning to end, so it is necessary to set up a professional team. ”

Han Bo thought for a moment and added: "More importantly, if there is such a cross-departmental team and a set of practical emergency response mechanisms, we can intercept the defrauded funds as soon as we receive the public's alarm." At the same time, in this way, we can develop our own professionals. ”

The fight against telecom fraud depends on a fast!

If there is such an inter-departmental special action office and a set of emergency response mechanisms, it is obvious that the public security will not be as passive as it is now in cracking down on telecom fraud crimes. But uniting all the city's financial institutions, the three major telecommunications companies and a private network company is not a simple matter, there is no precedent before, and the current laws and regulations must be taken into account.

The customs bureau pondered for a moment, and then asked: "Han Bo, how high is your ideal efficiency to meet the needs of handling cases, or how long will it take to take emergency measures after receiving a report from a citizen?"

"Of course, the more efficient the better, and the faster the time, of course, the better. ”

Han Bo only had a general idea, and he hadn't thought about it so much before he came, but when the leader asked, he still said thoughtfully: "In my ideal state, the bank should reply to the inquiry information we need within six hours at the latest, and freeze the suspicious account within one hour." In case of emergency, the local account should be frozen within 10 minutes, and the freezing mechanism for the remote account response should not exceed 20 minutes. ”

It's bold enough!

Zhou Ju secretly praised one, and couldn't help laughing: "At least to achieve an emergency stop payment?"

"That's what I think, if the municipal party committee and municipal government attach importance to support, we can even further achieve 'based on Shenzheng, look at the whole country', as long as the money transferred from our Shenzheng has not been withdrawn or consumed, even if it is transferred to other cities, it can also be stopped through this emergency disposal mechanism. ”

The freezing mechanism of the remote account response time cannot exceed 20 minutes, which is a real race against time.

The customs bureau muttered: "Han Bo, the situation of cracking down on telecom fraud is so grim, the municipal party committee and municipal government will definitely attach importance to it and support it, the key is laws and regulations." ”

Arresting a suspect requires formalities, and freezing a bank account also requires formalities, which cannot be done with a phone call from your public security department.

Time is so urgent, what if I make a mistake?

This hurdle cannot be bypassed, and it can be said that this is the most difficult problem at hand.

Han Bo looked at the two leaders and said with no confidence: "But there is a risk in everything, and this risk is estimated to be borne by our city bureau." However, we can strengthen internal management and conduct business training to minimize risks as much as possible. Employ investigative measures of 'stopping payment at risk and returning the original route' for information fraud stolen funds where the evidence is ascertained, the direction of the funds is clear, the ownership is not disputed, and there is evidence to prove that the facts of the crime are based on the facts.

The return of the defrauded funds must be clear and the frozen funds for more than 6 months, for the risks that may arise after the return, our municipal bureau is responsible for the ownership of the defrauded funds to identify and bear the legal consequences. If the economic loss is indeed caused by the emergency stop payment, our municipal bureau will be responsible for compensation. ”

So we have to be mentally prepared to be defendants, and even have to prepare a sum of money to be left behind to compensate for the losses of others?"

"I know this idea is a bit ahead of my time, but I can't think of a better way to deal with the increasingly rampant telecom fraud. ”

Although the director asked, it was obvious that he was interested and even supportive of it.

Zhou Ju felt that this matter should be cautious, and reminded: "The risk is stopped and the original way is returned, which is undoubtedly a good thing for the deceived citizens." However, according to the normal procedure, the victim has to recover his property until the case is solved and the court decides. If it were up to the police, would it cause controversy, and maybe some people would ask what the court's executive bureau would do?"

There is some truth to the leader's fears.

But Han Bo didn't think so, and habitually touched his nose: "Zhou Bureau, according to Article 234 of the Criminal Procedure Law, our public security has the same obligation to return it in a timely manner. If the item involved in the case is a car, when the case is completed, the procuratorate prosecutes, and the court decides, maybe the car has been scrapped, this kind of thing has not happened before, and if it is a car of fruit, it cannot wait. ”

The customs bureau thought it was true, and said with emotion: "Most of the victims of telecommunications fraud are elderly people, who are not in good health when they are old, and they say that they will enter the hospital if they enter the hospital, and they will use money when they enter the hospital. ”

"Special affairs?" asked Zhou Ju with a wry smile.

"Lao Zhou, this is not a special matter, the problem of telecom fraud is so serious, our bureau party committee must attach great importance to it. Han Bo's idea is good, and it will be discussed at the party committee tomorrow. ”

Telecom fraud is not only deep, but also everywhere in the country, even across the river in Hong Kong.

Zhou Ju clearly remembers that last summer, there was a telecommunications fraud case in Hong Kong, and the wife of a Hong Kong celebrity received a phone call from a person claiming to be a staff member of the Hong Kong General Post Office, saying that her family had mail detained at the mainland public security bureau. Please call XXX number. She was not alert, but after several phone calls, a "Supreme People's Procuratorate officer" said that she and her husband were involved in a major fraud case!

frightened her, confused for a while, and under the guidance of the scammer step by step, she "paid" a "deposit of innocence" to a mainland bank account.

Wait for her to react and then call the police, and wait for the Hong Kong police to ask for the assistance of the Shenzheng Municipal Bureau, millions have been transferred, and the case has not been solved to this day.

It can be said that telecom fraud is a headache for public security organs across the country, not only a headache but even a little helpless, if the Shenzheng Municipal Bureau can find another way to do some achievements, then it is worth taking some risks.

Thinking of this, Zhou Ju raised his head and said, "Okay, we will discuss it tomorrow." ”