金融灰黑产形势越来越严峻，根据《金融黑灰产治理研究报告》报告显示,自2021年起,金融黑灰产 规模急剧扩张,短短三年内增长了超过10倍,造成的财产损失高达百亿级别。不仅是国内，国外黑产势力 也日渐猖獗。 近期很多境外诈骗、黑产势力大量铺设开头的借享花客服电话，诱导受众拨打而至受骗。借享花提 示广大用户：请认准借享花官方客服热线00861-83172-22766，切勿轻信以""开头或其他非官方渠道公 布的电话号码，广大用户务必提高警惕，谨防上当受骗。 警企协作跨区域强力打击黑产 行业共治构建良好生态 纷繁复杂的黑灰产乱象，让金融行业"叫苦不迭"，也严重威胁到消费者合法权益，并且造成消费者 重大损失。业内专家表示，加强以打击金融黑灰产为核心的金融消费者权益保护工作迫在眉睫。 作为AIF联盟理事单位，数禾科技及旗下借享花联合公安、网信等部门构建"技术共享、线索互 通、联合打击"的协同治理机制，形成对包括境外势力在内的黑灰产进行"全链条围剿"。截至目前，数 禾科技及还呗累计向警方报案金融黑灰产案件70起。助力警方成功打击9个黑产团伙，对100名涉案人员 采取刑事强制措施，对40人实施行政处罚或管制措施。打击行动覆盖上 ...

非法代理维权、恶意逃废债、反催收、征信修复……2025年一季度金融黑灰产市场规模已突破2800亿 元。金融黑灰产乱象丛生，不仅严重侵害消费者信息安全和合法权益，更扰乱金融市场正常秩序，甚至 威胁到国家金融安全。如何有效防范和治理金融黑灰产，亟需全社会相关各方的合力共治。 9月5日，在2025世界智能产业博览会(以下简称：智博会)开幕当天，由重庆市互联网界联合会、打击金 融领域黑产联盟(AIF联盟)、消费金融服务联盟主办的金融安全生态创新发展研讨会成功举办，小恒数 科作为科技金融服务企业受邀出席。凭借多年的科技积淀以及数智化成果积累，小恒数科在打造全流程 一体化科技金融服务体系的同时，构建了"三驾马车"的治理黑灰产全域体系，协助多地警方重拳打击金 融黑灰产，联防共治筑牢金融安全防线，有力维护了金融消费者的信息与财产安全。 2025世界智能产业博览会 破解金融黑灰产 多方协同共治 随着我国金融创新发展呈现蓬勃之势，金融黑灰产也愈发猖獗，呈现利益化、团伙化、产业化，对消费 者信息安全和国家金融安全造成的威胁日趋严峻。事实上，金融黑灰产并非单一犯罪，而是从线下伪装 到技术攻防的全链条博弈，涵盖信息窃取、非法代理、虚假 ...

Core Insights - The 2025 Smart Expo emphasizes the need for a collaborative approach to combat financial black and gray markets, which have seen a significant increase in scale, surpassing 280 billion yuan in the first quarter of 2025, marking a 40% growth from 2023 [6][30] - Experts and representatives from various sectors, including government and academia, discussed innovative practices for governance and insights into the black and gray market during the event [1][3] Financial Security Ecosystem - Financial security has evolved from traditional concepts of fund and transaction safety to include data, system, and ecological security, necessitating a multi-departmental approach to risk prevention and resolution [1][5] - The establishment of a comprehensive governance system involving internet platforms, financial institutions, and law enforcement is crucial for effective management of financial black and gray markets [6][8] Technological Empowerment - Companies are increasingly leveraging AI and big data technologies to enhance risk prevention and combat financial black and gray markets [10][11] - Tencent has integrated AI into its fraud prevention systems, creating a comprehensive defense network that adapts to evolving fraud tactics [10][11] Collaborative Governance Initiatives - The establishment of the Tianxing Insight System aims to create a multi-dimensional risk prevention network, covering pre-warning, interception, and post-event handling [18][20] - The AIF Alliance has formed a collaborative governance model with over 161 members, focusing on information sharing and joint efforts to eliminate financial black and gray markets [26][30] Industry Standards and Public Awareness - The AIF Alliance plans to develop standards for identifying financial black and gray markets and enhance public awareness through initiatives like the "Financial Safety Experience Hall" [30] - The alliance has already assisted law enforcement in handling numerous illegal agency cases, demonstrating the effectiveness of collaborative efforts in combating financial crimes [28]

Core Viewpoint - The 2025 Smart Expo highlighted the launch of the Tianxing Insight System, aimed at combating financial black and gray industries through a comprehensive risk prevention network [1][5]. Group 1: Tianxing Insight System - The Tianxing Insight System utilizes technologies such as image forgery detection, sentiment analysis, and complaint mining to enhance the automatic interception and risk warning of black and gray industry information [3]. - The system establishes a full-chain linkage mechanism covering pre-warning, interception, and post-disposal stages, potentially forming a multidimensional risk prevention network [1][3]. Group 2: AIF Alliance Initiatives - The AIF Alliance, a pioneering organization for financial black and gray industry governance, has over 161 members and aims to create a collaborative governance model [5][7]. - The alliance's platform, Aima, has integrated over 170,000 pieces of black and gray industry data and assisted law enforcement in handling 757 illegal agency rights protection cases [5][7]. Group 3: Financial Black and Gray Industry Challenges - The financial black and gray industry market size surpassed 280 billion yuan in Q1 2025, reflecting a 40% increase from 2023, with an estimated workforce exceeding 8 million in 2024 [8][12]. - The complexity and hidden nature of financial black and gray industries pose significant challenges to the financial sector, necessitating a multi-faceted governance approach [8][10]. Group 4: Collaborative Governance and Technology - The conference emphasized the need for a comprehensive governance system involving multiple stakeholders, including internet platforms, financial institutions, and law enforcement [10][12]. - Companies like Tencent and Meituan are leveraging AI and big data to enhance fraud prevention and risk management, creating a collaborative ecosystem for combating financial crimes [14][16]. Group 5: Future Initiatives - The AIF Alliance plans to establish group standards for identifying online financial black and gray industries and develop a "Financial Safety Experience Hall" using VR technology to raise public awareness [7][8]. - The industry is moving towards a governance model that prioritizes information and awareness over traditional regulatory approaches, aiming for a long-term solution to financial crime [12].

Core Viewpoint - The company actively participates in a six-month crackdown on illegal financial activities, establishing a new governance model to combat financial black and gray industries, demonstrating a commitment to consumer rights and market order [1] Group 1: Joint Defense and Control - The company has created a "1+N" linkage system to enhance cross-regional collaboration against financial black and gray activities, forming special consumer protection teams in over 20 regions [2] - A standardized mechanism for evidence collection and case collaboration has been established, significantly improving the efficiency of tackling illegal activities [2] - Successful cases include the arrest of a fraud ring in Shenzhen and the recovery of over 60,000 yuan for a victim, showcasing effective police and corporate cooperation [2] Group 2: Intelligent Risk Warning - The company has integrated artificial intelligence into its risk warning processes, developing an intelligent platform for automatic identification and warning against black and gray activities [4] - The "Smart Core" customer service platform utilizes a dual-engine approach for behavior analysis, improving problem identification efficiency by over 40% [4] - A proactive service platform has been created to identify customer issues early, reducing operational interruptions by 910,000 instances annually [4] Group 3: Public Education and Awareness - The company has launched a "Party Building + Consumer Protection" model to disseminate financial safety knowledge widely, reaching over 3.6 million people through online campaigns [5] - Offline educational activities have been conducted in communities, schools, and businesses, covering over 17.28 million individuals through 588 events [6] - Tailored educational programs for high-risk groups, including interactive performances and legal awareness activities, have been implemented to enhance public understanding of financial risks [6]

Core Viewpoint - The company actively participates in a six-month crackdown on illegal financial activities, establishing a new governance model to combat financial black and gray industries, demonstrating a commitment to consumer rights and market order [1] Group 1: Joint Prevention and Control - The company has developed a "1+N" linkage system to enhance cross-regional collaboration against financial black and gray activities, forming special consumer protection teams in over 20 regions [2] - A standardized mechanism for evidence collection and case collaboration has been established, significantly improving the efficiency of tackling illegal activities [2] - Successful cases include the recovery of over 60,000 yuan for a victim in Jiangsu and the dismantling of a fraudulent organization in Shenzhen [2][3] Group 2: Intelligent Risk Warning - The company integrates artificial intelligence into its risk warning processes, creating an automated platform for identifying and intercepting black and gray activities [4] - The "Smart Core" customer service platform utilizes a dual-engine approach for behavior analysis, improving problem identification efficiency by over 40% [4] - The proactive service platform "Accompanying Core" has reduced customer operational interruptions by 910,000 instances annually [4] Group 3: Public Education and Awareness - The company has launched a "Party Building + Consumer Protection" model to disseminate financial safety knowledge widely, reaching over 3.6 million people through online campaigns [5] - Offline educational activities have been conducted in communities, schools, and businesses, covering over 17.28 million individuals through 588 events [6] - Tailored educational programs for high-risk groups, including interactive performances and legal awareness activities, have been implemented to enhance public understanding of financial risks [6]

Core Viewpoint - The fifth China New E-commerce Conference emphasizes the importance of high-quality development in the new e-commerce sector, focusing on digital intelligence innovation and corporate social responsibility [1] Group 1: Conference Overview - The conference theme is "Digital Intelligence Era, New Value of E-commerce," aiming to unify industry development consensus and clarify responsible development paths [1] - The event highlights the national strategic importance placed on the new e-commerce industry [1] Group 2: Financial Black and Gray Industry Governance - The "Joint Initiative" was released by the AIF Alliance, led by Ma Shang Consumer Finance, in collaboration with several institutions, marking a new phase in the governance of financial black and gray industries [1][2] - The initiative addresses the need for cross-field collaborative governance due to the complexity and rapid spread of financial black and gray industries [2] Group 3: Key Focus Areas of the Initiative - The initiative focuses on five core dimensions: maintaining regulatory compliance, establishing experience-sharing mechanisms, enhancing cross-institutional collaboration, promoting technology for good, and improving risk prevention education [2] Group 4: Achievements of AIF Alliance - The AIF Alliance has established a regular police-enterprise collaboration mechanism, achieving significant results in combating illegal agency rights protection and preventing telecom network fraud [3] - As of July 2025, the alliance assisted in handling 727 illegal agency rights protection cases and effectively warned about 1.8699 million telecom fraud cases [3] Group 5: Long-term Impact and Industry Responsibility - The collaborative initiative aims to enhance overall governance efficiency, curb the spread of black and gray industries, and protect consumer rights while reshaping the industry's integrity [5] - This "collective governance" model is expected to accelerate the establishment of a healthy and orderly financial ecosystem, reinforcing safety measures for sustainable industry development [5]

Group 1 - The core theme of the nationwide campaign is "Anti-fraud is a compulsory course, strengthen the defense and fulfill responsibilities" [1] - The campaign aims to combat the rising trend of online fraud, which poses a significant threat to consumer financial security [1] - During the campaign from June 16 to July 15, the company provided over 7 million anti-fraud safety reminders to users through various channels [1] Group 2 - The company actively collaborates with law enforcement and utilizes technology to combat financial black and gray market organizations [3] - Since 2023, the company has strengthened its cooperation with local police, providing key intelligence to various regions, leading to the resolution of nearly 100 related cases and the dismantling of 25 professional criminal groups [3] - The company has developed a comprehensive anti-fraud monitoring system, including advanced fraud detection models and risk warning robots [3] Group 3 - The company organizes governance seminars involving representatives from law schools and police departments to discuss anti-fraud strategies [4] - It collaborates with industry associations to build and share a blacklist of financial black and gray market entities [4] - The company has formed an alliance with several financial institutions to maintain a high-pressure stance against financial black and gray market activities [4]

Internal Compliance Development - The implementation of the new regulations on internet lending by the National Financial Supervision Administration aims to enhance the management responsibilities of commercial banks and set higher standards for cooperation with lending platforms [1][2] - Several consumer finance companies have begun disclosing their lists of lending partners, with companies like Zhaolian Consumer Finance and Ping An Consumer Finance announcing their partnerships in July [1][2] - Companies are establishing strict admission standards for lending partners, focusing on capital strength, data compliance, risk control capabilities, and brand reputation [2][3] External Environment Protection - The consumer finance market faces threats from fraudulent activities disguised as "agent rights protection" and "credit card debt disposal," which harm consumers financially and psychologically [5] - Consumer finance companies are actively combating financial "black and gray industries" and have utilized big data and AI technologies to enhance their identification capabilities [6] - Initiatives like the "Star Plan" by Hailin Consumer Finance aim to educate consumers on financial literacy, covering over 5 million users in the first half of the year [6]

Group 1 - The core viewpoint of the articles highlights the serious risks posed by black and gray market activities in the financial sector, which threaten market order and consumer rights [1][2] - In 2025, Shanghai police cracked down on over 690 economic crime cases, showcasing their commitment to maintaining market stability and fairness [1] - Criminal gangs have employed shocking tactics under the guise of "debt optimization," including fabricating documents and maliciously complaining about financial institutions to extract illegal profits [1] Group 2 - Weibo Borrowing has established itself as a leader in combating black and gray market activities by adhering to a safe and compliant operational philosophy [1] - In 2024, Weibo Borrowing formed a special team to combat harassment, implementing a comprehensive response mechanism that includes technical identification, investigation, and reporting, successfully addressing 19 cases throughout the year [1] - The platform has received authoritative recognition in personal information protection, completing various security certifications, which affirm its commitment to user privacy [2] Group 3 - Weibo Borrowing emphasizes customer service, providing 7*12 hour online support and achieving a user satisfaction rate of 98.1% with 1,363 customer commendations in 2024 [2] - The collaboration between law enforcement and compliant platforms like Weibo Borrowing is crucial in creating a robust financial security network [2] - Looking ahead, Weibo Borrowing aims to continue its commitment to safety and compliance, working closely with regulatory and law enforcement agencies to combat financial black and gray market activities [2]