"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 - 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]