電信網絡詐騙犯罪涉案資金緊急止付失敗歸因分析及應對策略
張潔、溫海燕、馬溢彤

摘要：
目前電信網絡詐騙涉案資金轉移呈現“秒級到賬、多層分拆、跨境流轉”的特徵，緊急止付機制成為 公安機關追贓挽損的關鍵一環。目前公安工作中仍存在止付失敗案例。本文從多角度分析導致緊急止付失 敗的原因，提出加強技術監測預警、完善跨部門協同機制和強化反詐宣傳教育等對策建議，為提高緊急止 付成功率、有效打擊電信網絡詐騙犯罪提供理論參考和實踐指導。

關鍵詞：
電信網絡詐騙案件 涉案資金 緊急止付 歸因分析 應對策略

Attribution and Coping Strategies Analysis for Failure in Emergency Stop-Payments of Funds Involved in Telecommunications and Online Fraud Crimes
Zhang Jie; Wen Haiyan; Ma Yitong

Abstract：
In current telecom and online fraud cases, the transfer of illicit funds is characterized by split-second-level instant crediting, multi-layered fund splitting, and cross-border circulation. The emergency stop-payments mechanism serves as a critical link for public security organs to recover stolen funds and mitigate victims’ losses. Nevertheless, failures in emergency stop-payments operations still occur in routine public security work. This paper analyzes multiple factors leading to unsuccessful emergency stop-payments from diverse perspectives, and puts forward countermeasures and suggestions including strengthening technical monitoring and early warning, improving cross-departmental coordination mechanisms, and enhancing anti-fraud publicity and education. It aims to provide theoretical references and practical guidance for raising the success rate of emergency stop-payments and effectively combating telecom and online fraud crimes.

Key words：
Zhang Jie Wen Haiyan Ma Yitong

DOI：
https://doi.org/10.63334/esfsmjournal.i10.2026.09.09