面对电信诈骗、非法代理等黑灰产挑战，微博借钱自主研发的"神荼"反诈系统表现卓越。该系统整合大 数据分析、AI模型及人工干预机制，2024年日均识别涉诈异常行为超150件，累计进行反诈提醒12.5万 人，阻断被电信诈骗用户超3万人，避免用户损失3.6亿元。同时，针对高发诈骗场景建立动态风险监测 模型，通过多种方式及时提醒用户，对高风险交易自动触发人工复核，2024年配合公安机关侦破黑灰产 案件19起，获评"金融科技公司治理黑灰产先锋奖"。 微博借钱的责任实践屡获权威肯定，荣获"2023年度优秀反欺诈产品奖""2024年度个人金融信息保护体 系运行良好示范机构"等荣誉。数字金融的高质量发展，需要技术筑牢安全底线，也需要用户理性参 与，而微博借钱正以实际行动，为行业树立了良好榜样。 微博借钱作为微博旗下持牌信贷平台，依托新浪集团资源，与超百家金融机构合作，资金链路透明可 溯。在资质认证方面，平台成绩斐然，不仅通过公安部信息系统安全等级保护备案、ISO/IEC 27001信 息安全管理体系及ISO/IEC 27701隐私信息管理体系认证，还连续两年获评工信部"中国信息通信研究院 数据安全风险管理认证"及北京国家金融科 ...

Core Insights - The report highlights that malicious collection (approximately 50%), high fees, and improper handling (both over 20%) remain core pain points in the financial consumer sector [1] - In the context of stricter regulations and industry reshuffling, licensed institutions are reshaping market trust through technological innovation and compliance practices [1] Group 1: Company Overview - Weibo's licensed lending platform, Weibo Borrow, leverages resources from the Sina Group and collaborates with over a hundred financial institutions, ensuring transparent and traceable funding channels [3] - The platform has received multiple certifications, including ISO/IEC 27001 for information security management and ISO/IEC 27701 for privacy information management, establishing a multi-dimensional security protection network [3] Group 2: Fraud Prevention Measures - Weibo Borrow's self-developed "Shentu" anti-fraud system has become an industry benchmark, identifying over 150 suspicious activities daily and preventing user losses of 360 million yuan [5] - The platform has established a dynamic risk monitoring model to address high-frequency fraud scenarios, triggering manual reviews for high-risk transactions and assisting law enforcement in solving 19 cases in 2024 [6] Group 3: User Experience and Recognition - Weibo Borrow offers a dual repayment channel, allowing users to set up automatic deductions or manually initiate repayments, achieving a user satisfaction rate of 98.1% in 2024 [6] - The platform has received several awards for its responsible practices, including the "2023 Excellent Anti-Fraud Product Award" and recognition for its personal financial information protection system [6] Group 4: Industry Perspective - The high-quality development of digital finance requires a solid technological foundation for security and rational participation from users [8]