Recently, at the 2025 annual selection by the Internet and Financial Anti-Fraud Alliance, LexinFintech Holdings Ltd. (NASDAQ: LX) was honored with the "Outstanding Pioneer Award" for its outstanding performance in building police-enterprise collaboration mechanisms, innovating financial anti-fraud technologies, and promoting public financial security education. Other award-winning institutions included CITIC Consumer Finance, BOC Consumer Finance, and Zhaolian Consumer Finance.
Currently, financial "black and gray industry" activities are rampant. Data indicates that the scale of the related industry has exceeded 280 billion yuan, employing nearly 8 million people, forming a highly organized criminal chain covering multiple links such as technology development, lead generation, fraud implementation, and fund transfers, which severely infringes upon consumers' legitimate rights and interests and disrupts financial market order.
In the dynamic battle against the "black and gray industry," quickly identifying and countering new fraudulent methods has become a critical test of a participating institution's core capabilities. Addressing this challenge, Lexin has continuously advanced the intelligent upgrade of its anti-fraud system. Leveraging its self-developed Singularity AI large model and a multi-modal composite intelligent agent matrix, Lexin utilizes small-sample learning and adversarial adaptation mechanisms to rapidly capture key features from just a few samples of new attack types, automatically iterating and optimizing defense strategies. This builds an intelligent closed loop of "discovery-response-learning-optimization," enabling the risk control system to maintain high agility and adaptability, thereby securing a technological advantage in the ongoing fight against the "black and gray industry."
Beyond technical prevention and control, the collaborative anti-fraud governance framework involving regulators, public security organs, and financial institutions is continuously deepening. Over the past two-plus years, through a dual-track model of "online monitoring + offline crackdowns," Lexin has collaborated with police departments in Shanghai, Zhejiang, Jiangsu, Shandong, Jiangxi, Hubei, and other regions to investigate nearly 100 cases related to the financial black and gray industry, dismantling 25 specialized criminal gangs and leading to the lawful punishment of over 100 offenders, effectively curbing the spread of these illicit activities.
It is understood that the Internet and Financial Anti-Fraud Alliance is an industry-based, public welfare joint organization established under the guidance of the Ministry of Public Security's Control Center for Combating and Governing New Types of Telecom and Online Crimes. It brings together over 50 licensed financial institutions and related enterprises from sectors including banking, consumer finance, insurance, payment, and fintech, aiming to build a long-term mechanism for preventing online financial fraud through multi-party collaboration, technological empowerment, and information sharing. As the tactics of the financial "black and gray industry" continue to evolve, anti-fraud governance is moving towards systematization and intelligence. Lexin will uphold a "zero-tolerance" attitude towards the financial black and gray industry, continue to increase technological investment, and strengthen collaborative efforts with various sectors to help maintain the long-term healthy development of the financial market.
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