11月21日，由上海市委网信办、上海金融监管局联合主办，普陀区委网信办承办，奇富科技(QFIN.US)协办的"清朗浦江·e企共治"整治网上金融信息乱象专 项行动总结交流活动，在半马苏河国际会议中心举行。来自监管、网络平台、金融机构等代表齐聚一堂，以"协力共建网上金融信息传播良好生态"为主题， 共话治理经验、协商共治良策。国家金融监管总局金融消保局副局长向巴泽西，上海市委网信办主任范小伟，上海金融监管局局长綦相，普陀区委书记胡广 杰，上海金融监管局副局长曹光群，上海证监局副局长王登勇，普陀区委常委、副区长李荣华等出席活动。 作为协办单位及行业代表，奇富科技在活动中分享了企业在金融黑灰产治理方面的实践经验："面对金融黑灰产蔓延、隐蔽、智能化的发展趋势，奇富科技 始终将守护金融安全、保护消费者权益作为核心责任，通过技术创新、案件打击、生态协同三大路径构建治理体系。" 技术层面，公司自研"反欺诈专家策略系统"，集成四大核心模块形成全流程闭环治理，运用声纹识别、智能伪造材料识别等技术精准锁定黑产行为，累计处 理涉及黑灰产事件8.9万个，确认黑产关联客户4.4万名。案件打击方面，专门设立黑灰产治理部门，联动警方及同业推动 ...

Core Viewpoint - The event highlighted the importance of regulating online financial information dissemination as a systematic project that requires sustained efforts and continuous action [1] Group 1: Regulatory Actions - Since March, a joint initiative named "Clear Yangtze River · e-Enterprise Co-Governance" has been launched by various Shanghai authorities to combat illegal financial intermediaries, stock recommendations, and other issues disrupting financial market order [3] - The Shanghai Financial Regulatory Bureau has guided key financial institutions and major online platforms to establish cooperative mechanisms, utilizing big data and AI for precise monitoring and identification of illegal financial activities [3] - From 2025 onwards, the Shanghai Financial Regulatory Bureau and public security agencies have cracked 117 cases related to the banking and insurance sectors, arresting 323 suspects and involving over 3.7 billion yuan [3] Group 2: Guidelines and Initiatives - A significant outcome of the event was the release of the "Shanghai Guidelines for Handling Bad Financial Information Online," which provides standardized procedures for identifying and addressing harmful financial information [4] - The event also saw the launch of an initiative by various internet companies, including Alipay and Bilibili, to promote self-regulation in the industry, proposing seven specific measures to enhance responsibility and maintain orderly online financial information dissemination [5]

Core Viewpoint - The event highlighted the importance of regulating online financial information dissemination as a systematic project that requires continuous effort and collaboration among various stakeholders [2]. Group 1: Regulatory Actions - Since March, a joint initiative named "Clear and Bright Pujiang: e-Enterprise Co-Governance" has been launched by multiple Shanghai authorities to combat illegal financial intermediaries, stock market manipulation, and the misuse of AI in financial activities [2]. - The Shanghai Financial Regulatory Bureau has guided key financial institutions and major online platforms to establish cooperative mechanisms, utilizing big data and AI for precise monitoring and identification of illegal activities [2][3]. - A total of 117 cases related to banking and insurance have been cracked down on since 2025, leading to the arrest of 323 suspects and involving over 3.7 billion yuan in illicit funds [3]. Group 2: Guidelines and Standards - The "Shanghai Guidelines for Handling Bad Online Financial Information" was officially released, providing standardized procedures for identifying and addressing harmful financial information [3]. - The guidelines outline key aspects such as identification standards, disposal processes, and responsibility allocation for various online platforms and financial institutions [3]. Group 3: Industry Collaboration - A joint initiative was launched by several internet companies, including Qifu Technology and Alipay, to promote self-regulation and responsibility in the dissemination of online financial information [4][5]. - The initiative proposes seven specific measures across three areas: building a joint governance system, fulfilling platform responsibilities, and enhancing public education and guidance [5]. - Qifu Technology reported that it has processed nearly 2,300 pieces of illegal financial content, contributing to the purification of the online ecosystem and maintenance of financial order [4].

规范网上金融信息传播秩序是一项系统工程，需要久久为功、持续发力。 11月21日，"清朗浦江・e企共治"整治网上金融信息乱象专项行动总结交流活动在普陀区举行。活动以"协力共建网上金融信息传播良好生态"为主题， 总结工作成效，发布一系列成果。 "随着金融科技的快速发展，金融黑灰产活动也呈现出蔓延、隐蔽、智能化的趋势。"会上，奇富科技首席风险官郑彦表示，奇富科技从技术创新、案件 打击、生态协同三个层面，系统推进金融黑灰产治理工作。公司自研并落地了"反欺诈专家策略系统"，集成了欺诈识别、策略制定、情报分析、案件处理四 大核心模块，形成了从识别到处置的全流程闭环。"在反催收治理中，我们引入了声纹识别技术和智能伪造材料识别系统，能够精准锁定反催收中介。同 时，通过反欺诈智能体，主动挖掘深层黑产线索，自去年八月系统落地以来处理涉及黑灰产事件量8900个，确认黑产关联客户4400名，实现了对金融信息乱 象的更精准、更智能、更高效治理。" "公司通过多方协同，精准打击黑灰产及违规引流内容。"郑彦表示，还与多家媒体平台建立了常态化沟通机制，通过信息互通、线索共享、协同处理， 形成了"企业自查+平台共治"的治理模式。截至10月，协 ...

一场由AI、大数据和流媒体赋能的"暗战"，正在金融领域的隐秘角落激烈上演，攻守双方争夺的焦点， 是价值数千亿的市场秩序与消费者权益。某金融机构内部数据显示，2025年上半年，非法代理维权类黑 灰产信息同比增长约42%，其中约91.54%集中于快手、抖音、小红书和微信四大平台。这些内容以"征 信修复""债务减免""内部渠道"等话术引流，诱导用户支付高额服务费，并通过伪造通话录音、虚构投 诉理由等方式向金融机构施压，严重干扰正常金融管理秩序。 面对黑灰产手段快速迭代、样本稀缺及AIGC深度伪造带来的识别难题，传统风控机制已显乏力。马上 消费以科技赋能作为治理黑灰产的核心支撑，基于多年攻防实战经验，搭建起智能化技术治理体系，推 出了自研的"黑产关键词提取&泛化模型"、"黑灰产套路识别模型"与"举证洞察模型"。应用实践表明， 相关模型在非法代理维权等场景下识别准确率超90%，效率提升40%，案件处理周期大幅缩短至一周 内，有效提升了金融机构的举证效率与反制能力。 从"维权代理"到敲诈勒索 黑灰产运作模式完成闭环 生态共治 从单点打击到联合防御 面对日益智能化、组织化、跨平台化的金融黑灰产攻势，单一机构的"单兵防御"已 ...

法院审理认定，微众银行依法享有"微众""微众银行"商标专用权，"微众"经持续使用已成为知名字号， 相关权益受法律保护；被告未经许可将"微众"用于企业名称注册及经营宣传，易致公众混淆，构成商标 侵权与不正当竞争。依据判决，被告需在三十天内变更企业名称，立即停止涉"微众""微众银行"注册商 标专用权的侵权行为，登报澄清与微众银行无关联，并向原告赔偿经济损失及维权合理费用合计280万 元。目前该判决已生效，原告已向法院申请强制执行。 近日，湖北省武汉市中级人民法院对微众银行起诉湖北微众森态信息科技集团有限公司、微众众诚企业 管理（武汉）有限公司、星微众网络科技（武汉）有限公司、优化信用管理（武汉）有限公司及实际控 制人商标侵权及不正当竞争案件作出一审判决，判定各被告构成共同侵权。经查，由同一实际控制人控 制的4家涉案企业，均未经微众银行同意擅用"微众"商标，其中3家企业注册登记的名称中就明确含 有"微众"字样。4家关联公司于2021年1月-2023年9月期间陆续进行注册，而微众银行早在2014年12月成 立，"微众"作为其核心字号及系列商标，经多年运营已形成较高的知名度与辨识度，被告在后登记及擅 用商标的行为主观恶 ...

Core Viewpoint - The "Joint Initiative" aims to combat financial black and gray industries by promoting collaborative governance, information sharing, and enhancing consumer protection to create a safer financial ecosystem [1][2]. Group 1: Challenges in Governance - Financial black and gray industries face multi-dimensional challenges, including the need for improved collaborative mechanisms and information sharing [2]. - The identification and control of hidden risks are complicated due to the lack of clear legal definitions and standards, leading to inconsistent judicial rulings [2]. - Insufficient punitive measures result in a significant imbalance between the costs and benefits of illegal activities, making effective deterrence difficult [2]. Group 2: Proposed Measures - Establish a collaborative information-sharing system to enhance risk prevention and response efficiency [2][3]. - Improve risk monitoring mechanisms and ensure financial institutions report high-risk information proactively [3]. - Standardize consumer rights protection processes to ensure quick resolution of legitimate complaints while preventing malicious claims [3]. Group 3: Responsibilities and Education - Platforms must take responsibility for verifying the qualifications of entities they host and managing risk events effectively [3]. - Develop a multi-faceted dispute resolution system to streamline complaint processes and enhance consumer protection [3]. - Conduct public education campaigns to improve financial literacy and awareness, thereby reducing the space for black and gray industries to thrive [4].

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 ...

Core Insights - The financial black and gray market in China has exceeded 280 billion yuan in the first quarter of 2025, reflecting a 40% increase compared to the same period in 2023, posing significant threats to consumer information security and national financial stability [1][7][9] Group 1: Financial Black and Gray Market Overview - The financial black and gray market is characterized by illegal activities such as debt evasion, malicious debt avoidance, and credit repair, which disrupt normal financial market order and threaten national financial security [1][4] - The market is not a single crime but a complete industrial chain involving information theft, illegal agency, false litigation, and money laundering [4][7] - Approximately 30% of consumer complaints in 2024 showed similarities, indicating the rapid adaptation of black and gray market activities to new technologies, complicating industry identification and governance [4] Group 2: Collaborative Governance Initiatives - The need for a collaborative governance approach involving financial institutions, regulatory bodies, industry organizations, and consumers is emphasized to build a financial safety net [4][5] - The Chongqing Municipal Financial Work Committee has proposed three initiatives: strengthening collaborative governance, focusing on technological cooperation, and building a "clean financial" environment [4] Group 3: Law Enforcement and Regulatory Actions - In March 2023, the Ministry of Public Security and the National Financial Regulatory Administration launched a special crackdown on financial black and gray market activities, emphasizing coordination between criminal law enforcement and financial regulatory agencies [5][6] - Multiple local financial regulatory agencies have issued risk warnings and conducted cluster operations against illegal financial activities [6] Group 4: Company Initiatives and Technological Empowerment - The company, Xiaoheng Data Science, has developed a comprehensive governance system for black and gray market activities, collaborating with law enforcement in various regions to combat these illegal activities [6][8] - Xiaoheng Data Science employs advanced technologies such as AI and big data to enhance risk control and consumer protection, integrating dynamic risk management and real-time monitoring systems [7][8] Group 5: Consumer Education and Awareness - The company has been actively involved in financial education initiatives to raise consumer awareness about risks and rights, particularly against scams like "debt clearance" and "free agency" [8][9] - During the Financial Education Promotion Week, the company organized activities to educate consumers on legal rights and rational consumption [8]

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]