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经合组织(OECD):2026年消费者金融风险监测报告(中译版)(127页).pdf

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1、Consumer Finance Risk Monitor 2026Consumer Finance Risk Monitor2026This work is published under the responsibility of the Secretary-General of the OECD.The opinions expressed andarguments employed herein do not necessarily reflect the official views of the Member countries of the OECD.This document,

2、as well as any data and map included herein,are without prejudice to the status of or sovereignty overany territory,to the delimitation of international frontiers and boundaries and to the name of any territory,city or area.The statistical data for Israel are supplied by and under the responsibility

3、 of the relevant Israeli authorities.The use ofsuch data by the OECD is without prejudice to the status of the Golan Heights,East Jerusalem and Israeli settlements inthe West Bank under the terms of international law.Kosovo*:This designation is without prejudice to positions on status,and is in line

4、 with United Nations Security CouncilResolution 1244/99 and the Advisory Opinion of the International Court of Justice on Kosovos declaration ofindependence.Please cite this publication as:OECD(2026),Consumer Finance Risk Monitor 2026,OECD Publishing,Paris,https:/doi.org/10.1787/61f7dbe0-en.ISBN 978

5、-92-64-69591-7(print)ISBN 978-92-64-99922-0(PDF)ISBN 978-92-64-68590-1(HTML)Photo credits:Cover Justlight/Getty Images.Corrigenda to OECD publications may be found at:https:/www.oecd.org/en/publications/support/corrigenda.html.OECD 2026 Attribution 4.0 International(CC BY 4.0)This work is made avail

6、able under the Creative Commons Attribution 4.0 International licence.By using this work,you accept to be bound by the terms of this licence(https:/creativecommons.org/licenses/by/4.0/).Attribution you must cite the work.Translations you must cite the original work,identify changes to the original a

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1. **金融诈骗与欺诈风险突出**:85%的司法管辖区将其视为最重大运营环境风险,2025年69%的辖区报告此类案件增加,预计2026年将进一步加剧。主要类型包括钓鱼(83%)、冒充金融机构(78%)及虚假支付/保险骗局(67%)。 2. **数字技术带来双面影响**:36%的辖区关注其风险,包括算法决策不透明、数字排斥及客户支持弱化,同时加剧诈骗手段(如深度伪造、AI诈骗)。 3. **高债务与通胀压力**:63%的辖区将高消费者债务列为第二大需求侧风险,受高利率(29%高收入辖区)和生活成本压力驱动,低收入群体住房负担率高达40%-80%。 4. **产品复杂性与投诉上升**:80%辖区认为数字资产是投资领域主要损害源,2025年70%辖区消费者投诉总量增加,银行/信贷领域投诉集中于费用(44%)和不当披露。 5. **政策应对重点**:强化公平交易(97%辖区目标)、信任维护(95%)及金融素养,利用SupTech和跨部门协作应对诈骗,并推动金融福祉(30%辖区采用G20定义)。
金融诈骗有多猖獗? 数字化带来哪些风险? 债务危机如何应对?
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