2025年中国信贷欺诈风险趋势年度研究报告-威胁猎人

Core Insights - The report highlights a significant increase in credit fraud risks in China's financial loan sector for 2025, with malicious fraud incidents rising by 200% compared to 2024, indicating a serious challenge for financial institutions [1][11][16]. Group 1: Overview of Credit Fraud Risks - In 2025, the total monitored financial loan-related public sentiment reached 6.8 million, with malicious loan fraud sentiment accounting for 1.89 million, representing 28% of the total [16][21]. - The top three types of malicious loan fraud in 2025 are corporate loans, credit loans, and housing loans, with public sentiment in these areas showing significant growth [26][27]. - The regions most affected by malicious loan fraud are Guangdong, Sichuan, Shandong, Jiangsu, and Zhejiang, with Guangdong showing the highest risk levels [34]. Group 2: Types of Fraud and Their Trends - The primary types of malicious loan fraud include occupational debt (37%), debt optimization, and credit repair, with occupational debt being the most critical risk type [29][30]. - The risk of credit repair fraud surged dramatically, with a year-on-year increase of 199% in the second half of 2025 compared to the same period in 2024 [38][43]. - The credit fraud industry has developed a clear division of labor, with upstream actors researching vulnerabilities, midstream actors coordinating resources, and downstream actors recruiting clients [49]. Group 3: Industry Response and Regulatory Actions - Financial institutions are continuously upgrading their anti-fraud defense systems in response to the evolving fraud landscape, while regulatory bodies are collaborating with law enforcement to combat black market activities [11][12]. - In 2025, over 200 major black market groups were targeted in crackdown operations, resulting in more than 1,500 criminal cases with a total amount involved nearing 30 billion [11][12].