近年来，随着人工智能技术的快速发展，电商领域黑灰产作案手段日趋隐蔽化、智能化，不仅严重扰乱正常平台经营 秩序，更对消费者合法权益构成直接威胁。京东始终以合规作为立身之本，围绕消费者权益保护与平台良好经营生态 构建，依托强大的供应链、AI与数字技术等，持续推动平台生态治理体系优化升级。 反诈防控实现"预警-拦截-止损"全链条覆盖 为落实《反电信网络诈骗法》要求，京东依托行业领先的反诈风控能力构建了全流程防护体系。当系统识别到用户存 在被骗风险时，将实时阻断风险交易并向用户推送预警提示，必要时联动公安机关开展劝阻工作；针对用户反馈的诈 骗问题，平台会第一时间拦截风险订单，并对涉诈资产采取临时性保全冻结措施，后续将根据公安机关要求完成资金 返还。 对于有诈骗嫌疑的行为，京东坚持"零容忍"并重拳出击，根据违规程度可采取款项冻结、货款延迟结算、商品下架、 后台登录限制等多项处置措施，同时对关联店铺实施联动管控。例如，在今年10月，京东风控系统通过涉诈预警模型 精准识别到某用户存在潜在被骗风险，迅速联动有关公安机关开展预警劝阻，成功拦截风险订单并为受害人挽回经济 损失21万余元，成为平台反诈防控能力的典型案例。此外，京东 ...

Core Insights - User experience has become a core competitive advantage for JD.com, with increasing recognition of third-party merchants' service experiences by consumers [1] - JD.com has coordinated with insurance companies to significantly reduce freight insurance costs, with over 60% of merchants benefiting from fee reductions, with the highest rate drop exceeding 90% [1][3] - The new pricing model simplifies premium calculations, allowing merchants to better manage costs and financial planning, especially during the high-demand period of the JD 618 sales event [2] Cost Management and Pricing Model - The previous pricing model based on SKU pricing led to fluctuations in premiums due to dynamic user factors, creating uncertainty for merchants in financial planning [2] - The new model distinguishes between first weight and additional weight, providing a clearer understanding of premium costs for each order, facilitating better budget allocation for core business areas [2] Significant Cost Reductions - The new freight insurance pricing rules allow over 60% of merchants to enjoy discounts, with maximum reductions reaching 94%, particularly benefiting those with lower return rates [3] - The pricing model also considers order discount amounts, alleviating pressure on merchants selling low-priced items, which can enhance conversion rates by 15%-30% [3] - JD.com has introduced a tiered discount mechanism for "price insurance," with single policy cost reductions exceeding 50%, and free trial activities for new merchants during the 618 period to lower operational costs [3]