长沙晚报掌上长沙11月24日讯（通讯员 张晓杭） 近日，客户覃先生专程赶到中信银行长沙东风路支 行，向工作人员表达谢意，其背后，是一场发生在11月7日、与诈骗分子赛跑的"资金保卫战"。该行凭 借精准的风控预警和快速的应急响应，成功拦截一笔利用NFC技术的境外盗刷交易，为客户避免了重大 经济损失。 交易被拦截后，故事并未结束。为何客户的银行卡会在境外被盗刷？ 经后续沟通，真相浮出水面。原来，覃先生此前遭遇了冒充"贷款人员"的精准诈骗。诈骗分子诱导他在 手机中安装了一款具备NFC读取功能的恶意APP，并借此获取了他的银行卡信息。 "诈骗分子利用这些信息，在境外复制了卡片信息并进行盗刷尝试。"支行工作人员解释道。这是一种技 术含量较高、隐蔽性强的诈骗手段，令普通消费者防不胜防。 深度服务：两天持续跟进，筑牢安全防线 拦截成功只是第一步。中信银行长沙东风路支行展现出高度的责任感，并未就此止步。考虑到客户信息 已泄露，可能面临持续风险，该行工作人员持续两天主动跟进，做了三件关键事： 事件还原：境外大额消费触发风控警报 11月7日下午，中信银行长沙分行的风控系统捕捉到一条高度可疑的交易信息。 系统显示，客户覃先生的银行卡 ...

Core Insights - A successful interception of a telecom fraud case occurred at CITIC Bank's Nanjing branch, saving a customer nearly 200,000 yuan [1] - The incident highlights the effectiveness of the bank's intelligent risk control system, which utilizes big data and artificial intelligence for real-time risk alerts [1] Group 1: Incident Details - The fraud attempt involved a customer, Ms. Zhu, who was misled by a caller posing as a "Douyin customer service" representative, leading her to share sensitive information [1] - The bank's staff noticed that Ms. Zhu's phone was in "screen sharing" mode and acted quickly to prevent further loss [1] - The bank's emergency response system was activated, connecting branches from Changzhou to Nanjing and up to the Beijing headquarters to facilitate a rapid response [1] Group 2: Bank's Response and Strategy - CITIC Bank plans to deepen its "police-bank cooperation" mechanism to combat evolving telecom fraud tactics [2] - The bank aims to enhance its predictive warning systems and long-term public awareness campaigns to protect customers' financial security [2]

Core Insights - Helipay, a leading payment technology platform in China, has established a physical entity in Hong Kong and obtained a Money Service Operator (MSO) license to expand its cross-border payment services [1] - The company collaborates with Dun & Bradstreet to enhance compliance and risk management in its operations, focusing on KYC and CDD processes [3][4] - Helipay aims to improve data credibility and efficiency by integrating Dun & Bradstreet's global business database, which covers over 600 million companies [4][6] Group 1: Business Expansion - Helipay has launched B2B cross-border payment, wallet services, foreign exchange, and cross-border settlement, extending its service network to regions including mainland China, Southeast Asia, Europe, and Latin America [1] - The partnership with Dun & Bradstreet aims to create a compliance "data engine" for cross-border payments, leveraging their extensive database and experience [1][5] Group 2: Compliance and Risk Management - The company prioritizes compliance and risk prevention as core strategic directions, enhancing its KYC and CDD processes through collaboration with Dun & Bradstreet [3] - Helipay is improving its compliance management by adopting proactive risk control measures and optimizing process design to enhance identification and response capabilities [3][7] Group 3: Data Integration and Efficiency - By integrating Dun & Bradstreet's global enterprise data API, Helipay can access structured data on over 600 million companies, improving the efficiency of compliance management processes [6] - The company has established a one-stop KYC data capability center, enabling real-time queries of Hong Kong company registration information and enhancing customer due diligence [5][6] Group 4: Project Outcomes - Helipay has achieved significant improvements in various operational scenarios, including enhanced efficiency in identity verification during account opening and dynamic monitoring of customer risk levels [7] - The implementation of a high-frequency information retrieval mechanism supports rapid risk assessment during fund transfers, reducing compliance errors and optimizing collaboration between compliance and business functions [7]

Core Insights - Recent fluctuations in international financial markets have been driven by unexpected U.S. non-farm employment data, leading to a decrease in gold prices and an increase in oil production by OPEC+, which has pressured oil prices [1][3]. Group 1: Oil and Gold Correlation - The traditional strong positive correlation between oil and gold, previously at 0.92 from 2002 to 2008, has weakened significantly, dropping below 0.2 due to various factors [3]. - The rise of gold as a monetary asset is evident, with central banks increasing gold holdings for 16 consecutive years, purchasing 493 tons in the first half of 2025 [3]. - Energy transition policies are reducing long-term demand for oil, while digital currencies challenge gold's monetary attributes, reshaping the traditional correlation [4]. - The independent price-driving factors for oil and gold have intensified due to fluctuating Federal Reserve interest rate expectations and trade policies [5]. Group 2: Investment Challenges and Solutions - Investors face dual challenges of short-term volatility and compliance risks, exemplified by significant price swings in gold and execution delays on trading platforms [6]. - Gold trading platforms like Jinsheng Precious Metals are addressing these challenges through comprehensive compliance measures and advanced technology [6]. - Jinsheng offers a full compliance guarantee with unique electronic codes for transactions and independent fund storage, audited daily by PwC [7]. - The platform's intelligent risk control system reduces average leverage during volatile periods, helping users minimize risk exposure by 35% [7]. Group 3: Practical Applications and Strategies - Jinsheng's risk management system provides actionable solutions, such as automated alerts for critical price levels during geopolitical tensions [8]. - The platform's "intelligent brake system" has helped users limit average drawdowns to 7.2%, significantly better than the market average of 15.6% during Q2 2025 [9]. - For long-term investors, Jinsheng offers physical gold delivery services, balancing liquidity and risk management [9]. - New investors benefit from a low entry threshold of $10 and access to expert live broadcasts and simulated trading features [9]. Group 4: Market Outlook - The correlation between oil and gold is shifting from a synchronized relationship to independent narratives, with Jinsheng positioning itself as a reliable platform for navigating market volatility [10]. - Bloomberg forecasts suggest that gold prices may exceed $4,000 per ounce by 2026, emphasizing the importance of choosing a robust and innovative trading platform [10].

Core Viewpoint - The joint crackdown on "black and gray industries" in the financial sector is an ongoing exploration, with significant efforts being made to combat illegal activities in loans, insurance, and credit cards [1][2]. Group 1: Crackdown Efforts - In March 2023, the Ministry of Public Security and the Financial Regulatory Administration launched a six-month special operation targeting four types of illegal activities in the financial sector [1]. - Various financial institutions have actively engaged in public awareness campaigns regarding "black and gray industries" and have been collecting leads to assist in the crackdown [1]. - Law enforcement has made notable progress, with cases such as the first "anti-collection alliance" extortion case being solved in Jinan, and over 20 cases of black and gray industry crimes in the loan sector being uncovered in Shanghai this year [1][2]. Group 2: Challenges Faced - Despite the crackdown, financial institutions face challenges in identifying standards, investigation costs, and legal definitions related to "black and gray industries" [2]. - The emergence of new business models in the gray industry, particularly in the context of economic slowdown and rising non-performing loans, complicates the identification of illegal activities [2]. - The rapid growth of financial "black and gray industries" has been noted, with a tenfold increase since 2021 [2]. Group 3: Identification and Investigation Difficulties - The identification of malicious and false complaints is particularly challenging, as many illegal agents have transitioned from the collection industry and utilize their experience to manipulate the system [3]. - A report indicated that around 30% of consumer complaints contained similar text, highlighting the adaptability and sophistication of "black and gray industries" [3]. - Financial institutions struggle to verify the authenticity of claims made by debtors, necessitating collaboration with third-party platforms, which adds to the time and resource burden [4]. Group 4: Need for Collaborative Governance - The effective identification of genuinely distressed debtors is crucial, but institutions face significant hurdles in conducting thorough investigations [4]. - Some financial institutions are leveraging AI technology to enhance their risk management systems and identify abnormal complaint behaviors [4]. - A comprehensive approach involving cross-industry collaboration is essential to combat the proliferation of financial "black and gray industries," which disrupts financial order and harms legitimate consumers [4].

Core Insights - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is enhancing its support for the manufacturing sector by establishing a comprehensive service ecosystem that focuses on major projects, small and micro enterprises, and full-chain risk control [1][2][3] - As of April 2025, the loan balance for manufacturing at ICBC Beihai Branch exceeded 5.5 billion yuan, with a net increase of over 900 million yuan, representing a growth rate of 20.3% [1] - The bank is actively addressing the financing needs of local industries, particularly in electronic information, new materials, and energy sectors, by providing a diverse range of financial products [1][2] Manufacturing Loan Support - The bank's manufacturing loans include project loans exceeding 270 million yuan and working capital loans surpassing 560 million yuan, with off-balance-sheet financing exceeding 100 million yuan [1] - The bank has developed a dual-track approach of on-balance and off-balance sheet financing to meet the diverse funding needs of enterprises [1] Small and Micro Enterprises - ICBC Beihai Branch has created an online and offline inclusive service system to stimulate the vitality of small and micro enterprises, with a total of 135 million yuan in loans issued to small manufacturing enterprises, marking a year-on-year increase of 48.21% [2] - The bank has introduced innovative products such as "Guangxi Guihui Guarantee e-loan" and "Industrial e-loan" in collaboration with local guarantee companies [2] Project Loan Initiatives - Project loans are a core strategy for supporting high-quality development in manufacturing, with a focus on the "Double Hundred and Double New" projects in the region [2] - As of April 2025, the bank has supported a paper industry group's green upgrade project with a loan of 162 million yuan and a technology upgrade project for a new energy company with a loan of 113 million yuan [2] Working Capital Loans - The bank has issued over 560 million yuan in working capital loans to local manufacturing enterprises, reflecting a year-on-year growth of 203.45% [3] - The "Supply Chain + Working Capital Loan" model has been innovated to extend services to upstream and downstream enterprises based on the credit of core companies [3] Risk Management - ICBC Beihai Branch emphasizes risk management by establishing a multi-dimensional debt repayment capacity assessment system and implementing a dynamic monitoring mechanism for manufacturing loans [3] - The bank has maintained a 100% recovery rate for maturing manufacturing loans since 2025, achieving both growth in scale and quality of assets [3]