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Thank you for standing by and welcome to T-Flu Technology's second quarter 2024 earnings conference call. At this time, all participants are in the listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star 11 again. Please also note that today's event is being recorded. ...

Ladies and gentlemen, thank you for standing by, and welcome to the Uchine Limited fourth quarter and fiscal year 2024 earnings conference call. At this time, all participants are in a listen-only mode. After management's prepared remarks, there will be a question and answer session. Today's conference call is being recorded. If you have any objections, you may disconnect at this time. I would now like to introduce your host for today's call, Mr. Jack Wang. Please go ahead, Jack. All right. Thank you, opera ...

（二）非金融企业杠杆率略有上升 尽管利率较低，但企业贷款增速仍在下降。二季度末的企业贷款同比增速降 至 10.4%，企业债务增速降至 7.8%。企业的融资成本下降，但贷款意愿不强。 2024 年以来，按照中央要求，各方面积极盘活存量，防止资金沉淀空转，企业债 务规模数据的低速增长也体现了"挤水分"的效果。过去一段时期，企业债务增 长中有相当一部分是资金空转的体现，企业贷款直接转化为存款而并没有拉动投 资，这导致贷款和存款的同步增长，但没有作用于实体经济。在 2024 年二季度 开始规范商业银行手工补息和其他治理资金空转的一系列政策措施下，资金空转 的规模下降，金融数据"挤水分"，企业债务（尤其是企业贷款）的增速下降， 也拉低了企业杠杆率的上升幅度。但当前企业部分融资需求较弱，而资金供给较 为充足，企业债务中仍有"水分"，对存量的盘活还将继续。 图 15 企业存款的同比增速 稳定经济增长，一方面要稳定房地产行业，避免出现过快下滑的趋势，更重 要的是加快战略性新兴产业的增长速度，使其尽可能补足房地产行业下降所留下 根据 2023 年年初的财政预算及 10 月份新增 1 万亿元国债的预算调整方案， 全年计划新增中央 ...

更多资料加入知识星球:水木调研纪委 关注公众号:水木纪委 June 11, 2024 Two of the three major EM elections in the past week produced unexpected results and financial market volatility, and the outcome of the third one remains uneartain. In India, including unexpected results and financial market volatiity, and ... 9670 the outcome of the third one remains un term, but his party lost its majority in Congress. In Mexico, Claudia Sheinbaum, the presidential candidate of the ruling party, won in a landslide, further cementing its dominanc ...

Industry Investment Rating - Financial fraud is a pervasive global threat, with increasing volume and diversification of fraud methods [5] - Investment fraud and Business Email Compromise (BEC) remain the dominant modi operandi globally [47] Core Findings - Financial fraud has significantly increased and diversified, with a focus on investment fraud, advance-payment fraud, romance fraud, and BEC [5] - Fraud operations are increasingly transnational and dependent on information and communication technologies [5] - Emerging technologies like AI and deepfakes are being used to deceive victims and conceal identities [5] - The use of "scam centres" and human trafficking for forced criminality is on the rise, particularly in Southeast Asia, Africa, Eastern Europe, and Latin America [5] - The "pig-butchering" fraud scheme, combining romance fraud and investment fraud using cryptocurrencies, is escalating [5] Offence Methods for Financial Fraud - Impersonation fraud involves offenders posing as trusted entities to deceive victims [11] - Business Email Compromise (BEC) targets businesses by compromising email accounts and impersonating executives [11] - Investment fraud deceives victims into investing in fake or misleading ventures, often using high-return promises and urgency tactics [12] - Romance fraud manipulates victims through fake relationships on social media and dating apps [13] - Advance-payment fraud involves fraudulent transactions for non-existent or sub-standard products or services [13] - Identity fraud involves unauthorized acquisition and use of personal information for financial gain [14] INTERPOL Data and Trends in Financial Fraud - Financial fraud is one of the highest threat concerns among INTERPOL members, with 85% of Red Notices and Diffusions related to fraud [16] - In 2023, INTERPOL supported over 700 financial fraud cases involving approximately USD 1.2 billion [17] - BEC and investment fraud are the most prevalent types of financial fraud globally [17] - Regional trends show impersonation fraud, romance fraud, and phishing are most frequent in Asia, while advance-payment fraud is most concerning in Africa [18][19] Emerging Trends in Financial Fraud - Technology, including AI, large language models, and cryptocurrencies, is a key enabler for financial fraud [20] - Deepfakes and AI-generated content are increasingly used to deceive victims [20] - Crime-as-a-service models, such as phishing-as-a-service, lower the barrier for cybercriminals [20] - Human trafficking for forced online fraud is a growing trend, particularly in Southeast Asia [21][22] - Hybrid methods like "pig-butchering" fraud, combining romance and crypto-investment fraud, are expanding globally [25][26] Regional Trends in Financial Fraud - In Africa, BEC, phishing, and online fraud are growing concerns due to rapid digitalization [28] - In the Americas, online financial frauds, particularly targeting North America, have escalated [30] - In Asia, financial fraud is a fast-evolving threat, with pig-butchering fraud schemes expanding [33] - In Europe, online investment frauds and BEC are the most prolific, causing significant financial losses [34][35] Organized Financial Fraud - Organized crime groups are major threat actors in financial fraud, leveraging technology and transnational networks [39] - These groups often collaborate with other criminal activities, such as human trafficking and money laundering [39] - Crime groups use sophisticated methods, including fake websites, social media profiles, and phishing emails, to perpetrate fraud [43] - West African organized crime syndicates operate in hierarchical structures, while other groups use decentralized models [44][45] Conclusions - Financial fraud is expected to grow with technological advancements and the expansion of virtual services [47] - Hybrid techniques combining romance fraud with investment schemes are emerging [47] - Crime service providers, such as cybercrimes-as-a-service and money-laundering-as-a-service, are key enablers of large-scale financial fraud [47]