此外，该体系已覆盖中邮消费金融贷前准入、贷中审批、贷后管理全流程，在营销薅羊毛检测、身份核 验、团伙欺诈识别等关键场景实现突破，应用成效显著。2024年，精准拦截不合规申请超109万笔，阻 断欺诈案件8479笔；有效防范营销"薅羊毛"行为，挽回营销损失455万元。 中邮消费金融表示，此次入选是对公司金融科技创新的高度认可。未来，公司将持续深化该体系应用， 深耕智能反欺诈领域前沿技术研发，不断迭代升级全流程风控体系，以更扎实的科技实力守护金融安 全，为数字金融高质量发展注入持久动能。 本报讯 （记者李冰）7月17日，在广东省金融科技协会主办的"行业交流会暨智能金融创新应用优秀案 例"颁奖仪式上，中邮消费金融有限公司（以下简称"中邮消费金融"）凭借《智能风险反欺诈的创新研 究与应用实践》案例，入选"智能金融十佳案例"。该案例聚焦AI技术滥用引发的新型欺诈风险，创新构 建了"视觉反欺诈+星网反欺诈+多模态反欺诈"三位一体智能防御体系，为行业风控升级提供新范式。 该体系核心竞争力源于三大技术突破：一是动态生物特征深度防御，融合多重活体检测技术，结合视频 三维动态分析与动作时序追踪，成功拦截身份伪冒与深度合成伪造等欺诈 ...

Core Insights - The recent collaboration between the Industrial Bank Hohhot Branch and local police has successfully intercepted fraudulent funds amounting to 165,000 yuan, earning commendation from the Public Security Bureau's anti-fraud center [1] - The bank has effectively utilized its digital intelligent anti-fraud platform to identify and block fraudulent transactions, demonstrating a proactive approach to financial security [2] Group 1: Fraud Prevention Actions - On May 13, a young man attempted to lift a bank card restriction to pay temporary workers, but the bank staff detected suspicious activity and coordinated with the police, leading to the recovery of 22,000 yuan linked to a fraud case [1] - On May 7, a customer claimed urgent medical expenses, but the bank staff identified discrepancies in the provided information, resulting in the freezing of funds that were confirmed to be associated with fraud [1] Group 2: Technological Advancements - The Hohhot Branch has enhanced its digital anti-fraud platform, allowing for precise identification and interception of fraudulent activities, including a recent case where 150,000 yuan was blocked [2] - Since January 2025, the branch has intercepted multiple suspicious transactions totaling 1.78 million yuan, protecting potential victims' funds amounting to 1.1 million yuan [2] Group 3: Future Strategies - The Hohhot Branch plans to maintain a focus on the political and public nature of financial work, implementing strict account management and risk prevention measures to combat financial fraud [2]