中国人民公安大学学报（自然科学版）

当前,随着"互联网+金融"支付方式的飞速发展,电信网络诈骗犯罪的资金转移工具和洗钱渠道不断升级、变化,向庞大复杂的境外金融体系和在线数字货币交易平台转移,给资金流查控带来难度。通过系统化梳理电信网络诈骗常用的银行卡支付、第三方支付、聚合支付等资金转移方式,诈骗团伙利用"水房"、地下钱庄、第四方支付、跑分平台、数字货币汇兑等新型洗钱通道转移资金的犯罪动向,对被骗资金的拆解过程与多种资金转移路径进行还原、解析。并在此基础上总结资金流查控的基本流程和方法,以应对资金流查控所面临的动态变化与复杂形势。

At present,with the rapid development of the "Internet + Finance"payment methods,the capital transfer tools and money laundering channels of the telecommunications network fraud crime have undergone substantial changes and upgrading,and have begun to shift to the huge and complex offshore financial system and online digital currency trading platform,which brings difficulties to the investigation and control of capital flow. This paper systematically sorts out the bank card payment,thirdparty payment,aggregate payment and other fund transfer methods commonly used in telecom network fraud,and investigates the new criminal forms and methods of using "Water house ",underground banks,fourth-party payment,running sub platform,digital currency exchange and other money laundering channels to transfer funds by fraud gangs,as well as restores and analyzes the process of dismantling the defrauded funds and multiple fund transfer paths. On this basis,this paper summarizes the basic procedures and methods of capital flow investigation and control,in order to deal with the dynamic changes and complex situations faced by the investigation and control of capital flows.