2024-06-06-INTERPOL-全球金融欺诈趋势评估报告_24页_1mb

SUMMARIES OF INTERPOL GLOBAL FINANCIAL FRAUD ASSESSMENT (MAY 2024)

INTRODUCTION

The INTERPOL Global Financial Fraud Assessment examines current trends and threats in financial fraud, highlighting its growth, technological dependence, and regional variations. Financial fraud is pervasive, causing significant financial losses and undermining economies, with a high underreporting rate due to victim reluctance.

KEY FINDBINGS

• Overall Trends: Financial fraud has increased in volume and sophistication, primarily driven by transnational organized crime groups. Common methods include investment fraud, advance-payment fraud, romance fraud, and business email compromise (BEC). Technology, such as AI, large language models, and cryptocurrencies, enables widespread and anonymous fraud operations.
• Offender Dynamics: Fraud is often perpetrated by networks of co-offenders, ranging from loosely organized groups to highly structured criminal syndicates. Organized crime converges around financial fraud, integrating it with money laundering and other crimes.
• Regional Variations:
  • Asia: Investment fraud and romance fraud are prominent, with BEC and advanced payment fraud also noted. Digitalization in poorer regions facilitates fraud due to low digital literacy.
  • Africa: Advance-payment fraud is most common, followed by BEC and romance fraud. Human trafficking is increasingly linked to forced criminality in scam centers, fueling online fraud.
  • Americas: Phishing, BEC, and advance-payment fraud dominate, with operations targeting North America. Human trafficking for forced fraud is a growing concern.
  • Europe: BEC, telecom fraud, and romance fraud are prevalent, with fraud originating mainly from West Africa and using cryptocurrencies for laundering.
• Emerging Trends: Cryptocurrency integration, AI, and generative technologies like deepfakes enhance fraud sophistication. Hybrid fraud schemes, such as "pig butchering" combining romance and investment fraud, are escalating. Rug pull schemes in crypto investment are also emerging.
• Interpol's Response: INTERPOL supports member countries through data sharing, operational messages, and tools like the Global Rapid Intervention for Payments (I-GRIP) to intercept fraud proceeds, leading to significant seizures and arrests.

CONCLUSIONS

Financial fraud is a fast-evolving threat exacerbated by technology, with organized crime playing a key role. New trends like AI-enabled fraud and cryptocurrency schemes pose significant challenges. INTERPOL continues to analyze data and coordinate global efforts to counter these threats, with the assessment informing future strategies.

NOTE ON INTEPOL EFFORTS

The assessment underscores the need for enhanced data collection and international cooperation to address financial fraud effectively, aiming to reduce its impact on individuals and economies.