银行卡挂失业务风险防范的案例分析

摘要

目前,由于银行卡挂失业务中责任界定不统一,办理流程不规范,风险防范不到位,因此形成了较大的法律风险、操作风险和道德分析,这也给不法分子造成了可乘之机。本文通过案例分析,提出完善法律规范和业务流程,提高银行风险防控能力的建议。%At present because there is no a uniform definition on the responsibility of the business of reporting the loss of bank cards among financial institutions, the operational process is not regulated and risks are not effectively prevented, legal risks, operational risks and moral hazard have come into being, which provides opportunity for criminals. With analyzing the case, the paper puts forward suggestions such as perfecting the relevant laws and operational processes to improve the capacity of risk prevention and control of banks.