2026年全球金融欺诈威胁评估报告(第二版)

Disclaimer This publication must not be reproduced in whole or in part and in any formwithout special permission from the copyright holder. When the right to reproduce All reasonable precautions have been taken by INTERPOL to verify the informationcontained in this publication. However, the published material is being distributedwithout warranty of any kind, either expressed or implied. The responsibilityfor the interpretation and use of the material lies with the reader. In no event This report has not been formally edited. The content of this publication does notnecessarily reflect the views or policies of INTERPOL, its Member Countries, itsgoverning bodies or contributory organizations, nor does it imply any endorsement.The boundaries and names shown and the designations used on any maps donot imply official endorsement or acceptance by INTERPOL. The designations © INTERPOL 2026INTERPOL General Secretariat200, quai Charles de Gaulle69006 LyonFranceTelephone + 33 4 72 44 70 00Fax + 33 4 72 44 71 63Web: www.INTERPOL.int Contents Secretary General’s foreword.................................................................................................................................................4Acknowledgement...............................................................................................................................................................................5Key Findings.................................................................................................................................................................................................6Global Trends in Financial Fraud.........................................................................................................................................8Introduction..................................................................................................................................................................................................9Financial Fraud Types and Trend Updates............................................................................................................10Extremely High Levels of Pervasiveness, Financial Loss and Harm.......................................14The Continued Expansion of Scam Centres.......................................................................................................15 Secretary General’s Foreword Thissecond edition of the INTERPOL GlobalFinancial Fraud Threat Assessment examines howthe fraud landscape has evolved over the past twoyears, highlighting key trends and emerging threats. Fraud causes harm on a vast scale, with estimatedlosses reaching hundreds of billions of US dollarsper year. But its impact is not just financial, with A compassionate response is essential to encouragereporting and support recovery. Becausefraud crosses borders and sectors,collectiveaction is critical.INTERPOL remainscommitted to supporting our global membership Fraud is now a part of everyday life. It could startwithan unsolicited text message,a convincingrequest by email or an online offer that seems too I invite you to read this report as a call to awarenessandaction.Together,we can strengthen ourresponse, reduce fraud and prevent harm. Together, As digital technologies become increasingly centralto how we live and work, opportunities for fraudhaveexpanded,making it a shared challenge Today, fraud is one of the most significant threatsfacing law enforcement. It increasingly sits at thecentre of polycriminality, intersecting with organized The proceeds of fraud are often laundered and usedto finance other serious offences, directly impactingglobal security and economies. Addressing fraudtherefore requires a clear understanding of its scale, Acknowledgement This report has been produced following analysis of information gathered from a variety of sources, includingINTERPOL member countries, international organizations, academia, and private sector partners. Additionally,intelligence drawn from INTERPOL systems and datasets have been leveraged to inform and enrich the report, Key Findings The second edition of the INTERPOL Global Financial Fraud Threat Assessment highlights that since 2024financial fraud targeting individuals and businesses has continued to increase in volume, innovate in modus The key findings include: •Fraudincreasinglyenabledbyartificialintelligence tools.Dark Web marketplaces offerapplications which can clone voices and facesfrom mere seconds of genuine audio or videosamples,enabling criminals to impersonatecelebritiesor associates of intended victims.“Agentic AI” can autonomously plan and execute •Law enforcement authorities collaboratingmoreeffectively against financial fraud.Since 2024, the number of fraud-related Noticesand Diffusions has increased by 54 per cent,themajority issued by European member •Significant global and human costs due tofinancial fraud.Global losses related to financialfraudin