国际货币基金组织和世界银行发布了一项全球路线图，以打击在线金融欺诈，因为日益复杂的诈骗正在削弱人们对数字金融的信心。
The International Monetary Fund and World Bank unveiled a global roadmap to fight online financial fraud as increasingly sophisticated scams undermine confidence in digital finance.
《曼谷蓝图》 — — 在泰国央行的协调下制定，并在本周三于曼谷举行的这些机构年度会议期间发布 — — 根据一份联合声明，该蓝图列出了12项政策考量，以帮助各国识别脆弱性并制定全面、协调的应对措施。
The ‘Bangkok Blueprint’ — developed in coordination with the Bank of Thailand and released during the institutions’ annual meetings Wednesday in Bangkok — sets out 12 policy considerations to help countries identify vulnerabilities and develop comprehensive, coordinated responses, according to a joint statement.
“信任是每个金融体系的基础，”国际货币基金组织总裁克里斯塔利娜·格奥尔基耶娃在一份声明中表示。“随着数字金融的扩张，各国必须共同努力，打击网络助长的欺诈行为，维护人们对支持增长和包容性的技术的信心。”根据随蓝图发布的信息图，过去十年中金融部门的网络事件增加了十倍，而网络助长的欺诈案件大约增加了三倍。由于报告不足和报告系统往往较为 rudimentary，这些数字可能低估了问题的规模。
“Trust is the foundation of every financial system,” IMF Managing Director Kristalina Georgieva said in a statement. “As digital finance expands, countries must work together to combat cyber-enabled fraud and preserve confidence in the technologies that support growth and inclusion.”Cyber events in the financial sector have increased tenfold over the past decade, while cyber-enabled fraud cases have roughly tripled, according to an infographic accompanying the blueprint. The figures likely understate the scale of the problem because of significant underreporting and often rudimentary reporting systems.
该框架涵盖法律基础、欺诈预防与执法、国内及国际合作以及消费者保护。它强调在金融服务、社交媒体、数字平台、电子商务和电信网络之间实现明确的责任归属和及时协调。
The framework spans legal foundations, fraud prevention and enforcement, domestic and international cooperation and consumer protection. It emphasizes clear accountability and timely coordination across financial services, social media, digital platforms, e-commerce and telecommunications networks.
这些机构表示，虽然数字金融扩大了准入并提高了效率，但它也使欺诈传播得更快、变得更复杂。
The institutions said that while digital finance has widened access and improved efficiency, it’s also enabled fraud to spread faster and become more sophisticated.
该倡议的提出正值泰国加大力度打击与邻国柬埔寨、老挝和缅甸的诈骗行动相关的金融犯罪。这些行动的跨境范围使得追踪非法资金和追究肇事者责任的工作变得复杂。
The initiative comes as Thailand steps up efforts to combat financial crime linked to scam operations in neighboring Cambodia, Laos and Myanmar. The operations’ cross-border reach has complicated efforts to trace illicit funds and hold perpetrators accountable.
“网络赋能的欺诈已成为全球性挑战，没有任何国家或机构能够单独应对。”泰国央行行长维泰·拉塔纳孔说。在曼谷蓝图评估的165个司法管辖区中，约90%认为欺诈是洗钱的主要威胁。
“Cyber-enabled fraud has become a global challenge that no country or institution can tackle alone,” Bank of Thailand Governor Vitai Ratanakorn said. Some 90% of the 165 jurisdictions assessed by the Bangkok Blueprint consider fraud a major money-laundering threat.
自维泰一年前上任以来，泰国央行在其领导下发挥了更积极的作用，协助追踪和阻断非法资金流动，并打击诈骗及其他非法活动所得，这些活动在东南亚地区激增。
Under Vitai, who took office a year ago, the central bank has taken a more active role in helping trace and block illicit money flows as well as target the proceeds of scams and other illegal activities that have surged across Southeast Asia.