Beauty report: ranking second in the world-Internet fraud Internet fraud losses in China, GDP, credit card-IT information

United States credit information services giant Yi Bo Rui (Experian) published recently by the economics of fraud: avoid the risk of rapid growth and innovation (hereinafter the report) shows that China is now one of the largest global Internet risks and losses related to the cyber-crime, 0.63% per cent of GDP, a figure second only to United States 0.64%.

The report said, the Asia-Pacific region 59% per cent of respondents expected fraud will continue to increase over the next five years, more than half of these (51%) said it will invest more time and finances to prevent fraud.

In China, the explosive growth in online trading increased online fraud, which also makes Internet trading industry's fastest-growing types of fraud .

"Along with the rapid development of the market of China's online transaction fraud will only become more and more serious. "Yi Yao Chengzhang Bo Rui greater China Managing Director recently told the 21st century business Herald said in an exclusive interview with Xinhua, Asia-Pacific mobile online shopping accounted for above the world, up to 46%, compared to only 20% in North America.

Yao Chengzhang, growth in mobile use, increasing the difficulty of fraud.

Not enough domestic credit-card fraud, consumer protection

The report said, China's fast-growing business of online transactions, fraud in the fast-growing associated. Nevertheless, the extent of China's Enterprise concerns about user fraud itself, is low compared with other countries .

Reason is that in a "trade-off" relationship "fraud loss rate" and "refusal to deal" rate, China's e-commerce businesses tend to select lower fraud loss rates and tolerate high transaction reject rate.

"Some of our partners in China for fraud loss rate is very strict, and only a few parts per million, the figure in the United States and Europe is out of the question. Accordingly, transaction reject rate in China is usually up to 1%-2%, this figure appears to be in a foreign country is very high. "Yao Chengzhang reporter explained that on the 21st century economy, European and American countries often control the fraud loss rate within a few thousandths of, so as to provide space for a lower transaction reject rate," because each rejected a deal on behalf of the loss of income, so anti-fraud abroad basic principle is always to find ways to prevent fraud losses and prevent the loss of customers, on balance. ”

Tolerate high transaction reject rate of Chinese business enterprises, Yao Chengzhang, an important reason is that the Chinese consumer choice is limited, "fraud is concerned, some operators prefer speed of Chinese enterprise growth. This is a unique phenomenon, very low loss rates of fraud, transaction reject rate is very high . ”

In addition, consumers pay for fraud, are also causes of corporate fraud loss rate is low in China, "China's bank credit card fraud protection to consumers encounter insufficient, foreign consumers in the event of fraudulent issue has more right to refuse payment. "Yao Chengzhang said.

He also said that this phenomenon will shift.

"The time when online trading growth begins to slow, increase the volume of 1% is a very important thing, because business cannot fully rely on the speed of growth, when fraud will become more important. Within the next two or three years, due to increased competition and slower growth, paid more and more attention on the subject of fraud. Enterprises should provide better customer service, initiative to undertake the risk of fraud costs. "He said.

Layout of Internet giant fraud

Because of China's credit system is not perfect in combination with Central Bank credit system coverage is limited and has not been open to civil society institutions, the rapid development of Internet financial needs to build more diverse credit system. Among them, the fraud was the giant layout of individual credit information system priorities.

Chile wanted limited is the first 8 one of the private institutions are allowed to conduct personal credit business, CEO Li Xuan in 2015, the company introduced its cloud platform openly anti-fraud, "according to China's reality, construction of the credit system vulnerabilities must be through fraud. ”

Internet giant in the layout.

Credit credit company owned by Tencent Tencent company launched in July 2015 anti-fraud products, including face recognition and evaluation two fraud scenarios; in January, ants gold suits its Sesame shield anti-fraud products come out, when that has been in the financial, mobile phone 3C Internet direct marketing platform, O2O, travel, buy industry began extensive references.

Yi Bo Rui is allied with another Internet giant Jingdong. In November 2015, Jingdong Yi Bo Rui financial announced that it will use company FraudNet fraud detection and prevention solutions, according to the China Internet fraud risk characteristics, through data analysis, localization of Yi Bo Rui anti-fraud scheme, introduced the domestic situation of fraud risk management solutions.

According to Yao Chengzhang said, and East of Beijing financial cooperation projects, already guaranteed lower fraud loss rates based on transaction reject rate reduced to a very low level, "Kyoto fraud rate down to tens of thousands of parts on the platform, or even 100,000 a while transaction reject rate of less than 1%. ”

"We have started this service with East towards to other companies, this is good for Jingdong, because credit information collecting and credit services in East Beijing. "He further said.

In addition, at present, many market participants worried about the "credit company did, forming islands" situation, Yao Chengzhang was not worried.

"Each credit Bureau now feel their hands have a lot of information on information has a competitive advantage. After another two years, they will find valuable information to Exchange, through market testing, you will want to understand. "Yao Chengzhang said.

美报告：中国网络欺诈损失居全球第二 - 网络欺诈,GDP,信用卡 - IT资讯

美国征信服务巨头益博睿（Experian）日前发布的《欺诈经济学：规避快速增长和创新中的风险》（以下简称《报告》）显示，中国是目前全球互联网风险最大的国家之一，网络犯罪导致的损失，占GDP的比例为0.63%，这一数字仅次于美国的0.64%。

《报告》称，亚太区59%的受访公司预计欺诈行为在未来五年将继续增加，其中超过半数（51%）表示，将投入更多时间与财务以防止欺诈。

而在中国，网络交易的爆炸式增长让网上欺诈行为骤增，这也让网上交易成为行业增长最快的欺诈类型。

“中国的网上交易欺诈随着市场急剧发展，只会越来越严重。”益博睿大中华区董事总经理姚诚彰日前在接受21世纪经济报道记者专访时表示，亚太地区移动网络购物的占比睥睨全球，高达46%，相比之下，北美只有20%。

在姚诚彰看来，移动端使用的增长，加大了反欺诈的难度。

国内信用卡欺诈对消费者保护力度不足

《报告》称，中国网上交易业务增长迅猛，相关欺诈也在快速发展。尽管如此，中国的企业对用户欺诈本身的担忧程度，相较其他国家却较低。

原因则在于：在具有“此消彼长”关系的“欺诈损失率”和“拒绝交易率”中，中国的电商企业往往选择降低欺诈损失率，容忍较高的交易拒绝率。

“我们在中国的一些合作厂商对欺诈损失率要求很严，只能有万分之几，这个数字在美国和欧洲是根本不可能的。相应的，中国的交易拒绝率却通常会高达1%-2%，这个数字在国外看来是很高的。”姚诚彰对21世纪经济报道记者解释称，欧美国家通常会将欺诈损失率控制在千分之几，从而为较低的交易拒绝率提供空间，“因为每拒绝一笔交易就代表了收入损失，所以国外的反欺诈基本的原则都是想办法在防止欺诈损失和防止客户流失上取得平衡。”

之所以中国电商企业容忍较高的交易拒绝率，在姚诚彰看来，一个重要原因在于中国消费者的选择有限，“相对防欺诈而言，中国企业有些网商更看重交易速度的增长。这是中国独特的现象，欺诈的损失率非常低，交易拒绝率却非常高。”

此外，消费者为欺诈买单，也是中国企业欺诈损失率较低的原因，“中国的银行对消费者遇到的信用卡欺诈保护力度不足，国外消费者在遇到盗刷问题上享有更多拒绝付款的权利。”姚诚彰说。

他同时表示，这一现象将出现转变。

“当网上交易增长开始放缓的时候，增加1%的交易量是很重要的事情，因为企业不能完全靠速度增长了，这时防欺诈就会变得更加重要。未来两三年内，由于竞争加剧和增长速度放缓，欺诈的问题会越来越受到重视。这时企业应提供更好的客户服务，主动承担欺诈风险成本。”他说。

互联网巨头布局反欺诈

由于中国征信系统的并不完善，加上央行征信系统覆盖面有限，且尚未开放给民间机构，快速发展的互联网金融需要搭建更为多元的征信体系。其中，反欺诈是各类巨头布局各自征信体系的重点之一。

中智诚征信有限公司是首批8家获准开展个人征信业务的民营机构之一，其CEO李萱在2015年该公司推出反欺诈云平台系统时公开表示，“按照中国现实，征信体系建设必须首先堵住诈骗的漏洞。”

互联网巨头在布局。

腾讯旗下征信公司腾讯征信有限公司于2015年7月推出反欺诈产品，内容主要包括人脸识别和欺诈测评两个应用场景；今年1月，蚂蚁金服旗下芝麻蚁盾反欺诈产品问世，彼时即已在金融、手机3C产品网络直销平台、O2O、出行、团购等行业开始广泛引用。

益博睿则与另一互联网巨头京东结盟。2015年11月，京东金融宣布将采用益博睿公司研发的FraudNet欺诈检测及预防解决方案，根据中国互联网欺诈风险的特征，通过大数据分析，将益博睿反欺诈方案应用本土化，推出适合国内欺诈形势的风控解决方案。

据姚诚彰透露，与京东金融合作的项目，已经在保证低欺诈损失率的基础上，将交易拒绝率降低到很低的水平，“京东平台上的交易欺诈率降至几万分之几，甚至十万之几，同时交易拒绝率也低于1%。”

“我们已经开始跟京东一起把这个服务推向给其他公司了，这个对京东来讲有好处，因为京东也有信用征信和信用服务。”他进一步透露。

此外，对于目前国内诸多市场人士担心的“征信公司各自为战，形成信息孤岛”的现状，姚诚彰并不担忧。

“现在每一个征信机构都觉得自己手里边有很多的信息，觉得在信息上面有竞争优势。再过一两年之后，他们都会发现信息要交换才有价值，经过市场的检验，大家都会想明白的。”姚诚彰说。