随着网络技术的快速发展，电信网络诈骗手段也在不断翻新，迷惑性不断增强，对公众的财产安全与合法权益造成了严重威胁。为有效应对这一挑战，国家金融监督管理总局金融消费者权益保护局于近日发布风险提示，提醒广大民众警惕新型电诈手段，增强风险防范意识和识别能力，守护好自己的“钱袋子”。
#### 新型电信网络诈骗手段揭秘
1. **“共享屏幕”类诈骗**：不法分子通过发送短信或拨打电话，诱导受害者下载指定聊天软件或网络视频会议软件，并开启“共享屏幕”功能。在受害者操作银行卡绑定、密码修改等敏感操作时，不法分子实时监控，盗取重要信息，从而盗取银行卡资金。
2. **“AI换脸拟声”类诈骗**：利用人工智能技术合成虚假音频、视频或图像，模拟他人声音或形象，骗取受害者信任，诱导其亲友转账汇款或提供银行账户密码等敏感信息。甚至对明星、专家、执法人员等进行音视频合成，假借其身份传播虚假消息。
3. **虚假网络投资理财类诈骗**：在社交媒体或网络平台上发布虚假投资信息，声称“稳赚不赔”，诱导受害者参与投资，随后迅速转移资金。
4. **网络游戏产品虚假交易类诈骗**：在网络游戏或社交平台发布虚假交易信息，吸引玩家进行线下交易，一旦支付钱款，不法分子便消失无踪。
#### 防范策略与建议
面对层出不穷的诈骗手段，消费者应采取以下策略：
– **不盲目轻信**：对任何声称“稳赚不赔”的投资机会保持警惕，不贪小利。
– **提高识别能力**：学习识别虚假信息，不轻易泄露个人信息和账户密码。
– **加强安全意识**：使用正规交易平台进行交易，不进行线下交易，避免遭受经济损失。
– **及时报警求助**：一旦发现被骗，应立即报警，并向相关机构寻求帮助。
国家金融监督管理总局金融消费者权益保护局强调，广大群众应提高自我保护意识，一旦遭遇诈骗，应立即采取行动，保护自己的财产安全。同时，呼吁社会各界加强合作，共同构建安全的网络环境，为消费者提供更加安全、可靠的金融消费服务。
英语如下：
### Risk Warning from the National Financial Supervision Authority: Guard Against New Forms of Telecom Fraud and Safeguard Your Finances
With the rapid advancement of network technology, the tactics of telecom network fraud are continuously evolving, becoming increasingly deceptive, posing significant threats to the public’s financial security and legal rights. To effectively tackle this challenge, the Financial Consumer Protection Bureau of the National Financial Supervision Authority issued a risk warning recently, urging the public to remain vigilant against new forms of telecom fraud, enhance their awareness of risk prevention and recognition, and protect their “money bags”.
#### Revealing New Forms of Telecom Network Fraud
1. **Screen Sharing Fraud**: Criminals send text messages or make calls, enticing victims to download specific messaging or video conferencing software, and enable “screen sharing”. As victims perform sensitive operations like banking account linkage, password changes, etc., the criminals monitor in real-time, steal vital information, and siphon off bank funds.
2. **AI Face Replacement and Voice Duplication Fraud**: Utilizing artificial intelligence technology to synthesize false audio, video, or images, impersonating others’ voices or appearances to gain victims’ trust, tricking them into transferring funds to relatives or friends or providing bank account passwords. Even synthetic videos and audio of celebrities, experts, or law enforcement officers are used to spread false information.
3. **False Online Investment and Financial Management Fraud**: Posting misleading investment information on social media or the internet, promising “guaranteed profits”, luring victims to invest, and then swiftly transferring the funds.
4. **False Online Gaming Product Trading Fraud**: Posting false trading information on gaming or social platforms, attracting players to offline transactions, where the criminals disappear after receiving the money.
#### Strategies and Recommendations for Prevention
Against the backdrop of an ever-changing array of fraud tactics, consumers should adopt the following strategies:
– **Do Not Blindly Trust**: Maintain a cautious stance towards any investment opportunity claimed to be “guaranteed to make money”, avoiding the temptation of quick gains.
– **Enhance Recognition Skills**: Learn to identify false information and refrain from divulging personal information and account passwords.
– **Strengthen Security Awareness**: Use legitimate trading platforms for transactions, avoiding offline deals to prevent financial loss.
– **Report Immediately**: Act promptly if discovered to be a victim, reporting to the police and seeking assistance from relevant institutions.
The Financial Consumer Protection Bureau of the National Financial Supervision Authority emphasizes that the public should heighten their self-protection awareness. Upon encountering fraud, immediate action should be taken to safeguard personal financial security. It also calls on all sectors of society to strengthen cooperation, jointly construct a secure online environment, and provide more secure and reliable financial consumption services for consumers.
【来源】http://www.chinanews.com/gn/2024/07-24/10256810.shtml
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