"您的快递在运输中损坏，可通过以下方式申请全额理赔……"2025年夏天时，河南市民张鹏(化名)接到 这样一通"物流公司客服"电话，在随后的沟通中，对方准确报出他的收货信息、商品型号，让他深信不 疑。按照指引添加专属理赔平台后，张鹏在对方"指导"下完成多笔"验证转账"。等到他察觉不对时，银 行账户46万元已不翼而飞。 技术破局：用AI对抗AI，一场"魔高一尺"的竞速 山东案件的侦破，只是冰山一角。当前，金融黑灰产已从跨境诈骗、非法代理维权，延伸到"职业背 债"和AI换脸诈骗等多种形态，成为威胁金融稳定与消费者权益的一大"毒瘤"。数据显示，2025年一季 度其市场规模已突破2800亿元。它们不再是散兵游勇，而是拥有专业话术、精通法律漏洞，甚至熟练运 用AI技术的"军团作战"。 据公安部与国家金融监督管理总局2025年联合部署的集群打击工作披露，当前金融黑灰产已形成两大核 心业态：一类是以贷款中介欺诈为代表的金融诈骗，另一类则涵盖非法代理维权、反催收、有组织逃废 债、征信修复等在内的异常维权，且已形成"引流获客-虚假指导-非法获利"的完整产业化链条。 更值得警惕的是，随着数字技术的发展，金融黑灰产的作案手段正不断迭 ...

Core Insights - The article highlights the increasing sophistication of financial black and gray markets, which exploit vulnerable consumers through deceptive practices and advanced technology [1][5][10] - Financial institutions are responding with technological innovations and collaborative efforts to combat these threats, emphasizing the need for a multi-layered defense system [6][10][11] Group 1: Financial Black and Gray Market Operations - The financial black and gray market has evolved into a complete industry chain, utilizing internet platforms for customer acquisition and employing fake legal teams for fraudulent litigation guidance [2][5] - Tactics include creating false evidence such as fake poverty certificates and using coded language to evade detection by platforms [2][5] - The market size of financial black and gray activities surpassed 280 billion yuan in the first quarter of 2025, with illegal activities like proxy rights protection rapidly expanding [5][10] Group 2: Technological Responses from Financial Institutions - Financial institutions are developing advanced technology systems to counteract black and gray market tactics, such as the "Tianxing Insight System" for precise identification and tracking of fraudulent activities [6][9] - A shift from post-event handling to proactive prevention and early warning systems is being implemented, utilizing multi-modal anti-fraud technologies [7][9] Group 3: Industry Collaboration and Governance - The establishment of the AIF Alliance aims to enhance collaborative governance against financial black and gray markets, focusing on data sharing and joint risk management [10][11] - The "Yulei Police-Enterprise Cooperation System" facilitates information exchange between financial institutions and law enforcement, improving the efficiency of tracking and apprehending suspects [11][12] - The AIF Alliance has shared over 203,400 pieces of black market data and assisted in numerous law enforcement actions since its inception [10][11]

Core Insights - A covert battle fueled by AI, big data, and streaming is intensifying in the financial sector, focusing on a market order worth hundreds of billions and consumer rights [1] - The rise of illegal agency rights protection activities has surged by approximately 42% year-on-year, with 91.54% of such activities concentrated on platforms like Kuaishou, Douyin, Xiaohongshu, and WeChat [1] - Traditional risk control mechanisms are struggling to cope with the rapid evolution of black and gray market tactics, necessitating the development of advanced technological solutions [1][4] Group 1: Black and Gray Market Operations - The case of Zeng Moupeng and others highlights the organized crime network's evolution from individual complaints to a structured operation involving data acquisition, script training, and evidence forgery [2][3] - The operation involved luring clients with promises of debt reduction and credit repair, charging high service fees, and submitting false materials to pressure financial institutions [2][3] - The court case established a precedent for defining illegal agency rights protection as extortion, providing judicial guidance for similar cases nationwide [2] Group 2: Technological Countermeasures - Companies are developing a multi-faceted governance system that combines technology, collaboration, and legal frameworks to combat the increasingly sophisticated black and gray market activities [4][8] - The introduction of models such as the "black market keyword extraction & generalization model" and "black gray market routine identification model" has shown over 90% accuracy in identifying illegal activities [4][6] - The implementation of these models has significantly improved evidence collection efficiency and reduced case processing times to within a week [1][6] Group 3: Collaborative Governance - The establishment of the "Anti-Financial Black Market Alliance" (AIF) has led to over 167 member organizations collaborating to combat illegal financial activities [7] - The AIF has shared over 20.34 million pieces of black market data and facilitated the police's crackdown on 796 cases of illegal agency rights protection since its inception [7] - The development of the Tianxing Insight System has enabled precise identification and handling of black and gray market information, processing 80,000 cases this year alone [7] Group 4: Systemic Challenges and Future Directions - The governance of financial black and gray markets is a complex system involving legal, regulatory, technological, and public education components [8] - Current regulatory challenges include outdated laws, significant differences in internal regulatory standards, and a lack of public awareness regarding financial risks [8] - Future governance strategies should focus on enhancing data sharing, technological advancements, and collaborative legal frameworks to effectively combat the evolving threats posed by black and gray markets [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]

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].