围剿金融“黑灰产” 小恒数科“三驾马车”筑牢金融安全防线

Core Insights - The financial black and gray market in China has exceeded 280 billion yuan in the first quarter of 2025, reflecting a 40% increase compared to the same period in 2023, posing significant threats to consumer information security and national financial stability [1][7][9] Group 1: Financial Black and Gray Market Overview - The financial black and gray market is characterized by illegal activities such as debt evasion, malicious debt avoidance, and credit repair, which disrupt normal financial market order and threaten national financial security [1][4] - The market is not a single crime but a complete industrial chain involving information theft, illegal agency, false litigation, and money laundering [4][7] - Approximately 30% of consumer complaints in 2024 showed similarities, indicating the rapid adaptation of black and gray market activities to new technologies, complicating industry identification and governance [4] Group 2: Collaborative Governance Initiatives - The need for a collaborative governance approach involving financial institutions, regulatory bodies, industry organizations, and consumers is emphasized to build a financial safety net [4][5] - The Chongqing Municipal Financial Work Committee has proposed three initiatives: strengthening collaborative governance, focusing on technological cooperation, and building a "clean financial" environment [4] Group 3: Law Enforcement and Regulatory Actions - In March 2023, the Ministry of Public Security and the National Financial Regulatory Administration launched a special crackdown on financial black and gray market activities, emphasizing coordination between criminal law enforcement and financial regulatory agencies [5][6] - Multiple local financial regulatory agencies have issued risk warnings and conducted cluster operations against illegal financial activities [6] Group 4: Company Initiatives and Technological Empowerment - The company, Xiaoheng Data Science, has developed a comprehensive governance system for black and gray market activities, collaborating with law enforcement in various regions to combat these illegal activities [6][8] - Xiaoheng Data Science employs advanced technologies such as AI and big data to enhance risk control and consumer protection, integrating dynamic risk management and real-time monitoring systems [7][8] Group 5: Consumer Education and Awareness - The company has been actively involved in financial education initiatives to raise consumer awareness about risks and rights, particularly against scams like "debt clearance" and "free agency" [8][9] - During the Financial Education Promotion Week, the company organized activities to educate consumers on legal rights and rational consumption [8]