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].