当前，金融黑灰产已告别传统粗放诈骗模式，转而依托算法精准投流，围猎高学历、高收入群体，通过 打造专业人设、发布伪科普内容，还借助AI制作虚假材料，把用户引流至私域，以"低息贷款""债务协 商"等名义诱骗受害者。 对此，监管部门不仅开展专项行动破获多起案件，还发布处置指南规范治理。奇富科技、信也科技等机 构也加码技术反诈，行业正构建多方协同的治理防线，遏制虚假金融陷阱蔓延。 短视频引流陷阱 第二种支付方式为一次性付款，合计费用6000元，相比第一种分笔支付方式享有优惠，该方式同样需先 支付1000元定金并签署委托合同，合同签订后补齐5000元尾款即可。对方称这笔费用仅相当于借款两三 期省下来的息费。 如今的金融黑灰产的"行骗路径"已经和以往大不一样，不再是传统"广撒网"的粗放套路，而是把自己包 装得"既合规又专业"，非常具有迷惑性。 当谈及支付费用时，客服表示，"比起利息，这点服务费不值一提。这点费用保的是3年，直到债务结清 为止。此前有客户在其他机构协商还款被骗，30万元欠款6千元处理，成本都不够，还是个人收款，收 完立马拉黑客户。" 来自广西的飞飞（化名）对本报记者坦言，自己也算有文化、懂互联网、了解前沿科 ...

以下文章来源于正和岛 ，作者正风 正和岛 . 正和岛，基于信任链接的企业家供需适配平台。 作者：正风 编辑：夏昆 来源：正和岛（ID：zhenghedao） -------------------------------- 电商，正沦为 AI 诈骗的重灾区 无语、恶心、甚至很想当面痛斥一番。 万万没想到，当 AI 带来"平权革命"，赋予每个普通人新一轮时代红利时，电商却成为首当其冲 的受害者，业内出现了极其"肮脏"的一幕，以至于让很多人愤慨： " 人，竟能坏到如此程度 。" 发生了什么？这要从这段时间以来频频出现的用 AI 假图来"仅退款"说起。 当下，电商老板们正集体控诉一件事，有人利用 AI 生成的假图，恶意向平台申请"仅退款"。 这还没完，食品更是一个重灾区，且相较于服装和日用品，更加难辨真假。 例如，他们用 AI 生图功能，把一件完好的商品 P 成残次品，然后再以质量问题向平台发起仅退 款，以此来实现" 0 元购"的目的。 让人哭笑不得的是，很多图片明显是一眼假，有的甚至连 AI 生成的水印都没去除，用商家的话 来说， " 简直是侮辱智商 "。 比如，卖电池的李老板最近就接到了一起投诉，说有顾客买到了 ...

Core Viewpoint - The rise of AI-generated fake images has led to a significant increase in fraudulent refund claims in the e-commerce sector, causing distress among merchants and undermining trust in the online shopping ecosystem [3][19][36]. Group 1: Impact on E-commerce - E-commerce platforms are facing a surge in fraudulent refund requests, where individuals use AI-generated images to falsely claim product defects [3][17]. - Merchants report that customers are submitting obviously fake images, sometimes with AI watermarks still visible, to justify their refund requests [5][8]. - The "only refund" policy, initially designed to streamline customer service, has become a burden for merchants as they now have to scrutinize refund requests more closely [17][22]. Group 2: Consequences for Merchants - Small businesses, particularly those in lower-tier cities, are severely affected by these fraudulent activities, with malicious refunds threatening their daily operations and livelihoods [23][24]. - The financial strain from these scams can wipe out the profits from multiple sales, pushing merchants into a precarious position where they must choose between accepting orders or risking losses [24][25]. - Merchants are increasingly raising prices to offset the risks associated with potential fraudulent refunds, which ultimately impacts consumers [22][36]. Group 3: Regulatory and Platform Responses - In response to the growing issue, regulatory bodies have begun implementing measures to combat AI misuse, including guidelines to prevent the malicious use of AI-generated content [29][30]. - E-commerce platforms are enhancing their verification systems to protect merchants' rights and prevent fraudulent activities [30][32]. - The establishment of an account integrity system aims to track and penalize users who engage in fraudulent refund practices [30][32]. Group 4: Trust and Ethical Considerations - The ongoing fraudulent activities are eroding the foundational trust that underpins the e-commerce ecosystem, leading to a situation where both consumers and merchants are increasingly suspicious of each other [19][36]. - The article emphasizes the importance of maintaining ethical standards in transactions, advocating for a return to simple, honest exchanges between buyers and sellers [38][39].

Core Viewpoint - The article highlights the alarming trend of AI scams targeting elderly individuals in lower-tier cities, exploiting their lack of technological knowledge and financial vulnerability [4][5][16]. Group 1: AI Scams Targeting the Elderly - A variety of scams, including "AI financial courses" and "AI digital grandchildren," are proliferating on platforms frequented by the elderly, leading many to deplete their savings [4][6][7]. - Scammers are leveraging the technological gap to launch silent predatory attacks on vulnerable groups, with the promise of easy income through AI-generated content [5][16]. - The scams are particularly prevalent in economically disadvantaged areas, where the elderly are more susceptible to misinformation and manipulation [16][18]. Group 2: Personal Stories of Victims - An example is provided of a 63-year-old man who was lured into an "AI wealth creation" scheme, ultimately losing 11,477 yuan, which represented three months of his retirement income [7][8]. - Another victim, a 59-year-old woman, invested over 177,000 yuan in an "AI financial education" program, only to discover that the promised returns were fabricated [14][18]. - Victims often feel isolated and are less likely to report scams due to the challenges of navigating legal processes, leading to a culture of silence among those defrauded [19][24]. Group 3: Psychological Impact and Social Isolation - The psychological toll on victims is significant, with many losing confidence in their self-worth and becoming increasingly withdrawn after being scammed [24]. - The elderly, often living alone or with limited social interaction, are more likely to trust digital interactions, making them prime targets for AI-generated scams that mimic familiar voices and faces [20][23]. - The article emphasizes that the real danger lies not just in financial loss but in the emotional and psychological damage inflicted on the elderly, who fear being forgotten by society [24].

Core Viewpoint - The article highlights the prevalence of investment scams, particularly those utilizing AI technology to deceive investors through fake stock recommendations and fabricated performance data [4][8][11]. Group 1: Scam Tactics - Scammers create fake trading software that manipulates K-line charts, presenting historical data as real-time AI stock recommendations [4]. - They offer free stock recommendations for a limited time, using stocks that have already risen to create a false impression of predictive accuracy [4]. - Fraudsters employ models and videos featuring hired actors posing as financial experts, claiming partnerships with reputable firms like Goldman Sachs and Bridgewater [8]. Group 2: Prevention Guidelines - Investors are advised to verify the credentials of institutions and individuals through the official website of the China Securities Regulatory Commission [9]. - It is recommended to avoid sharing sensitive personal information with unknown platforms [10]. - The installation of the National Anti-Fraud Center app is suggested to block AI-related scam calls [10].

Core Viewpoint - The rise of AI technology has led to new risks, particularly for the elderly, who are increasingly targeted by scammers using deepfake techniques to impersonate family members and trusted figures [2][4][5]. Group 1: AI Technology and Scams - AI deepfake technology has significantly lowered the barrier for scammers, allowing them to create convincing impersonations of voices and faces for fraudulent purposes [3][4]. - Scammers often exploit the emotional vulnerabilities of elderly individuals, using AI to mimic the voices of their relatives to solicit money under false pretenses [4][5]. - The availability of AI voice and face cloning services at low prices (as low as 1 yuan) has made it easier for scammers to execute their schemes [3][5]. Group 2: Legal and Regulatory Concerns - The use of AI for impersonation and fraud raises serious legal issues, including potential violations of portrait rights and consumer protection laws [3][13]. - New regulations, such as the requirement for AI-generated content to be clearly labeled, aim to combat the misuse of AI technology in scams [15]. - Legal experts emphasize the importance of adhering to laws when using AI technologies, as violations can lead to significant legal repercussions [13]. Group 3: Prevention and Awareness - Experts recommend that elderly individuals enhance their awareness of digital technologies to better recognize potential scams [16]. - Families are encouraged to support elderly relatives in understanding and navigating digital platforms safely, while also maintaining open communication about potential risks [16]. - Authorities suggest practical measures for verifying identities during suspicious calls or video chats, such as contacting known numbers or asking personal questions [14][16].

Core Viewpoint - The news highlights a fraudulent scheme involving a so-called "feng shui master" who exploited over 1,400 elderly victims, resulting in losses exceeding 46 million yuan through a meticulously designed online scam that utilized AI-generated scripts to manipulate and extract money from vulnerable individuals [1][9]. Group 1: Scam Mechanism - The scam began with victims being lured into watching free feng shui videos, leading them to purchase expensive courses [4][7]. - Victims were then subjected to emotional manipulation, where they were told that their family members were in danger, prompting them to pay high fees for "disaster relief" [3][8]. - The operation was structured in three phases: initial engagement through free content, emotional exploitation by predicting disasters, and finally, the collection of high fees for supposed solutions [7][12]. Group 2: Target Demographics - The majority of victims were elderly individuals, primarily aged between 50 and 65, with over 80% being women [4][5]. - This demographic was particularly vulnerable due to their concerns for family health and safety, making them easy targets for the scammers [5][9]. Group 3: Criminal Organization Structure - The criminal organization operated like a business, with distinct roles for each team member, including a central control department and a compliance team to evade law enforcement [12]. - The "second stage" team, responsible for the most critical part of the scam, had the highest earnings, with employees making over 20,000 yuan monthly, and team leaders earning even more [12]. - The use of AI software to craft detailed scripts for interactions with victims was a key tactic, allowing for a more convincing and tailored approach to each individual [12]. Group 4: Law Enforcement Response - Following investigations, police arrested 92 suspects involved in the scam, with 88 facing criminal charges, and identified a total of 46 million yuan in fraudulent activities [9][10]. - The operation was extensive, with evidence showing that the scammers had created detailed profiles of victims to facilitate targeted fraud [9][10].

Group 1 - The article emphasizes the importance of raising awareness about AI-related scams and encourages rational investment practices [2] - It highlights the upcoming 2025 World Investor Week, which aims to educate investors on various financial topics [2] Group 2 - The content does not provide specific information regarding companies or industries, focusing instead on general investment advice and awareness [1][4]

Core Insights - The article discusses the dual nature of AI in investment, highlighting both its conveniences and the deeper risks it poses [2][4] Group 1: AI in Investment - AI applications have permeated various aspects of life, leading to perceptions of AI as efficient, professional, convenient, and authoritative [4] - Many individuals now turn to AI for investment-related inquiries, which has also become a new ground for scammers [6][7] Group 2: Scams Utilizing AI - Fraudsters on social media claim to use AI tools for precise stock predictions, disseminating misleading investment information, such as claims of significant short-term stock price increases [7][9] - Some accounts showcase fabricated trading screenshots to demonstrate high returns, often based on virtual trading platforms [7][9] Group 3: Case Studies of Fraud - In March 2025, Douyin's security center announced that certain accounts were promoting false claims of high returns from AI-assisted stock trading without proper investment consulting qualifications [8][9] - Scammers utilize persuasive language and fabricated profit screenshots to market AI as a "stock-picking miracle" and sell overpriced training courses [9][12] Group 4: Advanced Techniques in Scams - The article notes that the use of AI technology in scams is still in its early stages, with criminals employing advanced methods to enhance their fraudulent schemes [12][21] - Scammers create synthetic identities and use AI-generated videos to impersonate financial professionals, thereby building trust with potential victims [14][15][18] Group 5: Psychological Manipulation - Scammers employ psychological tactics to create a sense of urgency and scarcity, prompting impulsive decisions from victims [19][21] - The article emphasizes that the success of these scams is not solely due to innovative techniques but also stems from investors' lack of risk management awareness [21]

Core Viewpoint - The rapid development of the telecom fraud industry in East and Southeast Asia is likened to the Industrial Revolution in 18th century Britain, significantly impacting and potentially overturning traditional underground societies in Asia [2][6]. Group 1: Historical Context - The traditional underground society in Asia has roots in secret societies from feudal times, evolving through various historical phases, including the establishment of the Hongmen [3][4]. - The transition from a feudal to a capitalist underground society marks a significant historical shift, with mainland Chinese individuals now playing a prominent role in global underground activities [4][6]. Group 2: Current Landscape of Underground Economy - The telecom fraud industry has grown to a scale where it constitutes over 30% of Cambodia's GDP, with global fraudsters stealing over $1.03 trillion in 2024 [7]. - Money laundering is estimated to account for 2% to 5% of global GDP, translating to approximately $800 billion to $2 trillion annually, highlighting the vast scale of the underground economy [7]. Group 3: Technological Impact - The rise of AI technology has revolutionized the fraud industry, exemplified by a significant case in Hong Kong where AI was used to impersonate a CFO, resulting in a loss of 200 million HKD [8][14]. - The telecom fraud industry is transitioning from labor-intensive to capital-intensive and technology-driven, making it easier to replicate and scale operations [14][15]. Group 4: Economic Integration - The underground economy is increasingly intertwined with legitimate sectors, as illicit gains are often reinvested into legal businesses, contributing to GDP statistics [13]. - The telecom fraud industry is characterized by a high degree of specialization and marketization, creating a complex ecosystem that is difficult to dismantle [12][15]. Group 5: Future Outlook - The telecom fraud industry is expected to continue its global expansion, driven by technological advancements and the increasing ease of entry into the market [15]. - The integration of traditional underground elements with modern capitalistic practices suggests a transformative phase for the industry, reshaping the power dynamics within global underground societies [15][16].