近年“两会”上,人大代表针对当前电信诈骗案件高发、屡治不止等问题提出了意见和建议,并将矛头指向银行机构。为查证原因,完善制度,本文从反洗钱角度对近年金融机构报送的数十起涉嫌电信诈骗洗钱重点可疑交易报告进行了研究,分析了当前电信诈骗资金流转过程及运作手法,调查总结了当前银行机构在电信诈骗防范中存在的主要困难,从源头和渠道上提出了应对建议。一、当前电信诈骗资金流转过程及运作手法 In recent years, on the “two sessions”, NPC deputies put forward their opinions and suggestions on the current problems of high incidence of telecommunications fraud and repeated rulemaking, pointing the blame at the banking institutions. In order to verify the reasons and perfect the system, this paper studies dozens of suspected suspicious transaction reports of telecommunications fraud and money laundering reported by financial institutions in recent years from the perspective of anti-money laundering, analyzes the current telecommunications fraud funds circulation process and operation methods, The main difficulties that banking institutions face in the prevention and control of telecommunications fraud have put forward countermeasures from sources and channels. First, the current telecommunications fraud funds flow process and operation practices