# 强化银行防护措施对AI深度伪造冒充诈骗的成效

- 日期: 2026-09-09
- 收录: 2026-09-26
- 相关方: Ms He Ting Ru · Mr Chee Hong Tat
- 来源: https://sprs.parl.gov.sg/search/#/sprs3topic?reportid=oral-answer-4194
- sgai: https://sgai.md/zh/debates/oral-answer-4194/
- 许可：sgai 自产内容（摘要、译文、分析）CC BY 4.0，署名并链接 sgai.md 即可；逐字原文（国会记录、演讲、字幕、政策原文）© 原权利人，仅供引用。条款：https://github.com/meltflake/sgai/blob/main/DATA-LICENSE.md

## 为什么重要

2026年上半年冒充诈骗损失按期减少30%、案件减少10%，但政府没有技术与消费者行为影响的数据

## 摘要

议员何廷儒（Ms He Ting Ru）询问总理兼财政部长：政府是否评估过2025年10月起强化的银行防护措施对AI深度伪造冒充诈骗（包括一宗约500万新元损失案）的成效、有何漏洞及进一步措施。国家发展部长徐芳达（Mr Chee Hong Tat）答复：单靠银行防护无法完全防骗，需多层次方法：警方2026年8月发布新实务守则防止冒充政府，政府将为致电公众的来电引入统一前缀号码；金融管理局与银行加强欺诈监测，高风险交易延迟12小时或以上，并取消PayNow昵称；同时加强公众教育。补充问答中，何廷儒追问衡量成效的指标及技术与消费者行为的作用。徐芳达称2026年上半年冒充诈骗损失按期减少30%、案件减少10%，但没有第二个问题的数据，并形容这是“猫捉老鼠”的游戏。

## 要点

- 警方于2026年8月为指定网络服务发布新的及强化版实务守则，其中针对网络通讯与会议服务的新守则要求防止通过个人资料名称或图片冒充政府
- 政府将为所有致电公众的来电引入统一、易辨认的前缀号码，帮助公众识别真正的政府通讯
- 银行对添加新收款人、提高转账限额等高风险交易引入12小时或以上的延迟，并已取消PayNow昵称
- 2026年上半年冒充诈骗损失按期减少30%，案件按期减少10%
- 部长表示没有关于技术与消费者行为各自对诈骗成败影响的数据
- 公众应留意唇形与语音不同步、表情不自然或脸部周围失真等深度伪造迹象，如有疑问可拨打ScamShield求助热线1799

## 全文

11 号，何廷儒女士询问总理兼财政部长：(a) 政府是否评估过自2025年10月起实施的强化银行防护措施在应对AI生成深度伪造冒充诈骗（包括一宗损失约500万新元的案件）方面的成效；(b) 已发现哪些漏洞（如有）；以及 (c) 正在考虑哪些进一步措施。

国家发展部长（徐芳达先生）：议长先生，单靠银行防护措施无法完全防止诈骗。为了将诈骗风险降到最低，我们需要一个多层次的方法，让包括公众在内的所有生态系统参与者共同参与。

第一，我们加强对诈骗传播平台的上游管控。在最新举措中，新加坡警察部队（SPF）于2026年8月为指定网络服务发布了新的及强化版实务守则（COP）。其中包括一份针对网络通讯与会议服务的新实务守则，引入了防止通过个人资料名称或图片冒充新加坡政府的要求。政府也将为所有致电公众的来电引入一个统一、易于辨认的前缀号码，帮助公众识别真正的政府通讯。

第二，新加坡金融管理局（MAS）与银行合作加强欺诈监测，一旦发现账户资金被迅速转空，就阻止或暂缓进一步转账。当客户进行高风险交易，例如添加新收款人和提高转账限额时，银行已引入12小时或以上的延迟。PayNow昵称也已被取消，以防诈骗者滥用昵称冒充合法个人或机构。这些举措降低了诈骗风险，但是，议长先生，我们需要取得平衡，因为它们确实给客户进行银行交易增添了阻力和不便。

第三，我们已推出公众教育举措，提醒和告诫公众防范当前的诈骗类型。新加坡警察部队定期发布诈骗警示，并在媒体上刊登。银行也已向客户发出警示，提醒他们提防利用深度伪造的诈骗。

第四，公众在防范冒充诈骗及其他导致自行转账的诈骗方面扮演着关键角色。已推出的措施通过收窄可被利用的途径、让潜在受害者在进行任何转账前有时间停下来、查证和确认，从而提供多层保护。公众保持警惕仍是关键。如果公众看到带有深度伪造迹象的视频，例如嘴唇动作与说话不自然吻合、面部表情不自然或脸部周围出现画面失真，就应提高警觉。

议长先生，当任何一方要求你给钱时，务必非常小心。请记住，政府官员绝不会要求公众转账或透露银行账户资料。如果索款请求看似来自某家公司或你认识的人，最好先用已知且可靠的联系电话打过去核实。如有疑问，请拨打24小时全天候的ScamShield求助热线1799查询。

议长先生，我们迄今实施的多层防护措施和公众警觉，已使冒充诈骗案件和损失有所减少。然而，我们不能自满，必须保持警惕。政府也将继续评估不断演变的诈骗手法，并与生态系统伙伴合作调整应对措施。

议长：何女士。

何廷儒女士（盛港）：谢谢议长先生，也感谢部长的答复。我就此有两个简短的补充问题。

第一，我想请部长多介绍一下，政府用什么指标来衡量防护措施以及公众外展和教育工作的成效？

第二个补充问题是，政府是否有数据显示，在诈骗得逞或被阻止方面，不断演变的科技与消费者行为之间的比重，甚至各自的贡献。

徐芳达先生：议长先生，关于何女士的第一个问题，我认为监测我们的措施是否有效的最好方法是看结果。以2026年上半年为例，冒充诈骗损失按期减少了30%，这类诈骗案件按期减少了10%。所以我认为这是一个衡量标准。

当然，另一个衡量标准是，我们必须审视诈骗者使用的不断演变的手法和方法。因为正如我在主要答复中提到的，这是一场“猫捉老鼠”的游戏。我们推出一些防护措施、一些保护方法，诈骗者就会设法寻找新的方式欺骗受害者。所以这是一项持续的工作，我们必须保持警惕，必须不断改进我们的方法和应对措施。

至于数据，我想这是何女士的第二个问题，议长先生，我没有数据可以与她分享。但我认为我们正在处理的是一个多层面的问题，因为其中一些可以通过与生态系统伙伴合作、在上游预防以降低风险。其中一些，正如我在主要答复中所描述的，银行可以采取一些措施来增加阻力。但这必须取得平衡，因为阻力太多虽然更安全，但也会带来很多不便。

当然，公众也发挥作用。保持警觉，保持警惕，如果遇到看似可疑的事情，就举报。正如我在主要答复中所说，请记住，政府领导人和政府官员绝不会要求你通过这种方式转账。

## Hansard (original, English)

© Parliament of Singapore — reproduced for reference only.

11 Ms He Ting Ru asked the Prime Minister and Minister for Finance (a) whether the Government has assessed the effectiveness of the enhanced bank safeguards implemented from October 2025 against scams involving AI-generated deepfake impersonation, including a case involving a loss of around $5 million; (b) what gaps, if any, have been identified and (c) what further measures are being considered.

The Minister for National Development (Mr Chee Hong Tat) : Mr Speaker, bank safeguards alone will not fully prevent scams. To minimise the risk of scams, we need a multi-layered approach involving all ecosystem players, including the public.

First, we strengthen controls upstream on platforms where scams are propagated. In its latest initiative, the Singapore Police Force (SPF) issued new and enhanced Codes of Practice (COPs) for designated online services in August 2026. This includes a new COP for Online Messaging and Conferencing Services, which introduces requirements to prevent the spoofing of the Singapore Government through profile names or pictures. The Government will also help members of the public identify legitimate Government communications by introducing a single, easily recognisable prefix number for all calls to members of the public.

Second, the Monetary Authority of Singapore (MAS) has worked with banks to enhance fraud surveillance to block or hold further transfers once they detect a rapid draining of accounts. Banks have introduced delays of 12 hours or more when customers perform higher risk transactions, such as adding of new payees and raising transfer limits. PayNow nicknames have also been removed to prevent scammers from misusing them to masquerade as legitimate individuals or organisations. These moves reduce the risks of scams, but Sir, a balance needs to be struck, because they do add friction and inconvenience for customers in conducting their banking transactions.

Third, public education initiatives have been launched to alert and caution members of the public against current scam types. SPF issues regular scam advisories that are published in the media. Banks have also issued advisories to their customers to caution against deepfake-enabled scams.

Fourth, the public plays a critical role against impersonation and other scams resulting in self-effected transfers. The measures introduced provide multiple layers of protection by narrowing avenues for exploitation and allowing potential victims time to pause, check and confirm before proceeding with any transfers. Public vigilance remains key. Members of the public should raise their suspicion if they see videos with signs of deepfakes, such as lip movements that do not align naturally with speech, unnatural facial expressions or visual distortions around the face.

Sir, it is important to be very careful when asked by any party for money. Please remember that Government officials will never ask members of the public to transfer money or to disclose your bank account details. If the request for money is seemingly from a company or someone you know, it is better to call and verify it first using known and reliable contact numbers. If in doubt, please check with the 24/7 ScamShield Helpline at 1799.

Sir, the multi-layered safeguards and public vigilance that we have implemented thus far have led to a reduction in impersonation scam cases and losses. However, we cannot be complacent and we need to keep up our vigilance. The Government will also continue to assess evolving scam techniques and work with our ecosystem partners to adjust the countermeasures.

Mr Speaker : Ms He.

Ms He Ting Ru (Sengkang) : Thank you, Mr Speaker, and I thank the Minister for the reply. I have two quick supplementary questions on this.

First, I would like the Minister to share a little bit more about what metrics the Government uses to measure the effectiveness of both the safeguards and also the public outreach and education efforts?

And my second supplementary question relates to whether the Government has data about the balance or even the contribution between how evolving technology or consumer behaviour contributes or in relation to scams being successfully perpetuated or being prevented.

Mr Chee Hong Tat : Mr Speaker, to Ms He's first question, I think the best way to monitor whether our measures have been effective is to look at the outcomes. So, if I look at the first half of 2026, there was a 30% period-on-period reduction in impersonation scam losses, and a 10% period-on-period reduction in the cases of such scam cases. So, I think that is one measure.

The other measure, of course, is that we will have to take a look at what are the evolving tactics and methods that are being used by the scammers. Because, as I mentioned in my main reply, this is a "cat and mouse" game. We come up with some safeguards, we come up with some protection methods, and the scammers will try and find a new way of deceiving the victims. So, this is an ongoing effort, we have to keep up our vigilance. We have to keep evolving our methods and our countermeasures.

In terms of the data, which is, I think, Ms He's second question, Sir, I do not have the data to share with her. But I think it is a multi-faceted issue that we are dealing with, because some of it can be prevented upstream by working with the ecosystem partners to try and reduce the risk. Some of it, as I described in my main reply, the banks can put in place some measures to try and add friction. But that has to be balanced because if you add too much friction, it is safer, but it also introduces a lot of inconvenience.

And of course, the members of public also play a role. Stay alert, stay vigilant and if you come across something that looks suspicious, report it. And as I said in my main reply, please remember that the Government leaders and Government officials will never ask you to transfer money through such a method.