在数字化金融高速演进的当下，各类金融产品与服务持续涌现，便利性提升的同时，也给不法分子留下 可乘之机。一段时间以来，以"快速赚钱""不用本人偿还贷款"为噱头的 "职业背债"骗局再度卷土重来， 不少消费者因缺乏金融知识而深陷其中。作为长期扎根金融科技领域、始终秉持"用户至上"的省呗，认 为有必要为公众拆解骗局本质，帮助大家提升自我保护能力，避免落入非法陷阱。 成为"职业背债人"的严重风险 1. 巨额债务由自己承担 "职业背债"骗局的核心套路 1. 虚假宣传诱导上钩 不法分子往往通过社交平台大肆发布诸如 "不用承担债务，还能赚佣金""征信越差越赚钱""提供名下信 息即可获利" 等虚假口号，特别针对急于解决资金困境或对金融知识了解不足的群体。他们营造出一 种"轻松赚钱、毫无风险"的假象，让人觉得只要贡献身份信息或征信，就能获得高回报，实则为诈骗精 心布置的第一步陷阱。 2. 伪造材料骗取贷款 为了顺利骗取金融机构资金，不法分子通常会准备大量伪造材料，包括 虚假收入证明、假银行流水、 假工作信息等，将原本不符合贷款要求的人包装成"高质量申请人"。当贷款成功后，被诱导的"背债 人"却对这一过程毫不知情，所有风险也随之转 ...

Core Viewpoint - The article emphasizes that the true beneficiaries of the AI revolution are not only the companies creating AI technologies but also those that effectively integrate AI into their operations to enhance efficiency and profitability, referred to as "second-order winners" [1][2][9]. Group 1: Historical Context and Examples - Historical examples illustrate that during technological revolutions, the greatest returns often come from companies that leverage new technologies rather than those that create them. For instance, the automotive industry saw more significant gains from downstream service providers than from car manufacturers [1][2]. - Gulf Refining's establishment of self-service gas stations exemplifies how companies can capitalize on technological advancements without being the creators of the technology [2]. Group 2: AI Integration in Companies - Companies like Shake Shack have successfully integrated AI and automation to enhance operational efficiency, reducing the time to prepare meals and lowering labor costs while increasing employee wages and profit margins [3]. - Ecolab's modeling indicates that it can automate approximately 50% of high-probability automation roles, leading to significant cost savings and improved profit margins without altering revenue [4]. Group 3: Chinese Companies Leveraging AI - JD Logistics has implemented the "Zhi Lang" system, which has tripled picking efficiency and significantly improved sorting accuracy, contributing to its profit growth [6]. - Ping An has effectively utilized AI in insurance processes, achieving rapid underwriting and claims processing, which has led to substantial cost reductions and enhanced customer experience [6]. Group 4: Investment Perspective - Investors are encouraged to focus on companies that have embedded AI into their operations, as these firms are likely to provide more stable returns compared to high-valuation AI technology creators [7]. - The characteristics of promising companies include labor-intensive operations that can benefit from AI cost reductions, clear and repetitive business processes, and the ability to scale AI applications effectively [7]. Group 5: Macro Economic Impact - The integration of AI is expected to reshape overall productivity in China, with projections indicating a potential GDP increase of about 8% by 2030 due to AI applications across various sectors [8]. - Companies that can quickly adapt and utilize AI to enhance efficiency are likely to continue benefiting from the efficiency dividends in the coming years [8]. Group 6: Conclusion - The article concludes that AI represents a revolution in efficiency, and investors should focus on companies that effectively integrate AI into their business models, as these "downstream" enterprises may yield better returns than those merely creating AI technologies [9].