聚焦劍橋 恒昌以金融科技進(jìn)步促進(jìn)金融反欺詐

　　9月3日至9月10日，第三十五屆劍橋經(jīng)濟(jì)犯罪國際論壇在英國劍橋大學(xué)耶穌學(xué)院舉行。來自90多個國家和地區(qū)的官員、專家、學(xué)者匯聚一堂，探討經(jīng)濟(jì)全球化相伴而生的經(jīng)濟(jì)和金融犯罪帶來的挑戰(zhàn)，交流有效防控經(jīng)濟(jì)犯罪的各方經(jīng)驗(yàn)，解讀Barry Rider教授的研究團(tuán)隊(duì)有效預(yù)防和控制經(jīng)濟(jì)犯罪的“劍橋方案”。作為來自中國的互聯(lián)網(wǎng)金融領(lǐng)域的優(yōu)秀企業(yè)代表，恒昌創(chuàng)始人兼CEO秦洪濤也受邀參會，并且發(fā)表了“以金融科技進(jìn)步促進(jìn)反金融欺詐”的主題演講。

　　恒昌創(chuàng)始人兼CEO秦洪濤出席第三十五屆劍橋經(jīng)濟(jì)犯罪國際論壇

　　據(jù)了解，劍橋經(jīng)濟(jì)犯罪國際論壇由劍橋大學(xué)耶穌學(xué)院Barry Rider教授發(fā)起，旨在推動國際社會及各國共同打擊經(jīng)濟(jì)犯罪的專題論壇。其不僅是國際范圍內(nèi)最具影響力、舉辦歷史悠久、匯聚立法、金融、大學(xué)機(jī)構(gòu)等各方智慧的國際經(jīng)濟(jì)犯罪論壇，而且其在防控經(jīng)濟(jì)犯罪領(lǐng)域研究的深度、廣度和相關(guān)性都達(dá)到了前所未有的學(xué)術(shù)高度。到目前為止，劍橋經(jīng)濟(jì)犯罪國際論壇已經(jīng)吸引了來自全球90多個國家的1800多位參與者。一方面，本屆論壇從法律、法規(guī)制定等上層建筑的宏觀層面進(jìn)行了深入探討;另一方面，論壇也非常重視各國經(jīng)濟(jì)犯罪實(shí)踐和解決之道的交流。從而通過來自各國的與會專家、立法者、金融企業(yè)的多方溝通合作，形成互通、互利、互信的防控經(jīng)濟(jì)犯罪的全球化紐帶與橋梁。

　　恒昌創(chuàng)始人兼CEO秦洪濤(左一)與劍橋大學(xué)Barry Rider教授(左二)等合影

　　在會上，恒昌創(chuàng)始人兼CEO秦洪濤同與會專家學(xué)者就互聯(lián)網(wǎng)金融犯罪控防等問題展開了探討交流。在主題演講中，秦洪濤也分享了中國的互聯(lián)網(wǎng)金融犯罪的現(xiàn)狀，并分享了恒昌利用金融科技進(jìn)行反欺詐的實(shí)踐。他表示，隨著互聯(lián)網(wǎng)技術(shù)的蓬勃發(fā)展，催生商業(yè)機(jī)遇的同時也滋生了更為復(fù)雜的經(jīng)濟(jì)犯罪。傳統(tǒng)的監(jiān)管手段已經(jīng)不能完全控制新興類型的犯罪，因此人工智能崛起，以及大數(shù)據(jù)、知識圖譜、機(jī)器學(xué)習(xí)等金融科技的高速發(fā)展為防控互聯(lián)網(wǎng)金融行業(yè)的犯罪，有效反欺詐提供了行之有效的解決方案。目前恒昌也積極利用大數(shù)據(jù)和知識圖譜、生物識別等金融科技手段進(jìn)行反欺詐。以生物識別為例，人臉識別加上活體識別，判斷是否是真實(shí)存在的客戶;聲紋識別系統(tǒng)，判斷是否是同一個人。恒昌的金融科技手段已經(jīng)在反欺詐領(lǐng)域初見成效，如：設(shè)備識別技術(shù)解決了對借款人行為和意圖的精準(zhǔn)識別;標(biāo)識撞庫、高危、欺詐等風(fēng)險名單以及針對羊毛黨團(tuán)隊(duì)的反欺詐等。

　　一直以來，恒昌積極實(shí)施走出去戰(zhàn)略，開展全球發(fā)展布局，不斷汲取國內(nèi)外前沿的理念，學(xué)習(xí)全球管理經(jīng)驗(yàn)。恒昌創(chuàng)始人兼CEO秦洪濤也表示，非常榮幸在歐洲文明搖籃的劍橋大學(xué)耶穌學(xué)院里聆聽國際智慧與經(jīng)驗(yàn)，同時也希望與各方交流和分享恒昌公司的實(shí)踐與經(jīng)驗(yàn)，希望以此次具有全球影響力的論壇做為平臺和契機(jī)，拓展恒昌的國際化、前瞻性視野，承擔(dān)中國企業(yè)應(yīng)負(fù)的責(zé)任，攜手共創(chuàng)金融創(chuàng)新美好未來。

附：秦總演講全文

Ladies and gentlemen. I feel honored to be amidst intellectuals from across the globe gathered here in Cambridge today. I am grateful to Professor Barry for the invitation and opportunity to share Hengchang’s practices and achievements in financial counter-fraud. Like many Chinese people, I was acquainted with Cambridge through Xu Zhimo’s poem, Saying Goodbye to Cambridge Again. I fell in love with Cambridge as soon as I set foot on it, which I believe is more beautiful than the one depicted by Xu Zhimo. However, at this moment, what touches me more is this gathering of intellectuals for sharing wisdom, which I value more than any scenic beauty.

Digital Inclusive Finance Propels China’s Economic Development

China’s Internet finance has developed at a strikingly rapid pace over the last decade. In terms of service users and the scale of working capital, China is definitely a leader in the field. Digital inclusive finance based on innovative financial technology and applications is increasingly empowering China’s economy. The governments of developing countries, represented by China, have released a variety of policies for developing inclusive finance and bringing more people under its ambit, so as to allow the masses to avail truly innovative and convenient services.

In the process of industrial development, financial anti-fraud has been an integral part of constructing risk control systems of Internet financial enterprises. In recent years, Chinese enterprises, including Hengchang, have demonstrated that the application of fintech is fundamental to financial anti-fraud.

Hengchang Realizes Leading Business Scale after Six Years of Efforts

I founded Hengchang six years ago. Based on the Internet as its main channel, Hengchang provides a wide range of services for borrowers and lenders (creditors) for realizing direct lending, such as information collection, information release, credit evaluation, information interaction and lending promotion. As a fintech enterprise engaged in innovative financial services, Hengchang has played a leading role among other enterprises with a similar business scale. So far, Hengchang has promoted loan exchange of more than RMB 30 billion in total, covering more than 300 cities in over 20 provinces, municipalities and autonomous regions.

We have found that the real source of bad debts and losses lies in defrauding customers rather than subprime customers. Our top priority of risk control in Internet finance is to prevent fraud. Overseas fraud rate is roughly 20%, but China’s rate is much higher. The fraudsters these days cannot be equated with the thieves who used to work alone in past times. Using the Internet, several developers, camouflage kit providers, trainers, implementers and cash-out personnel have made their nexuses with complete underground industrial chains. In response to increasingly professional fraudulent conducts, manly platforms have constructed an anti-fraud management system.

Application of Fintech Constantly Improves Hengchang’s Anti-Fraud Abilities

With the rise of artificial intelligence and rapid development of big data, knowledge mapping, machine learning, etc., we can increase the accuracy and coverage of risk control system based on adept rules and training models of mass historical data by controlling risks with objective data. As a practitioner of financial innovation, Hengchang has proactively developed and taken advantage of financial technologies to improve risk control, especially for anti-fraud. Our anti-fraud measures involve equipment identification technology, which can guarantee accurate identification of the behaviors and intention of borrowers. We also use anti-fraud API services, which can identify library hitting, high-risk and fraudulent persons, coupled with authentication, account risk identification and anti-fraud against “Wool Group”, among others.

For example, knowledge mapping technology ensures accurate identification of the behaviors and intention of borrowers. Hengchang has constructed a graph data system based on big data. As the core of anti-fraud measures, a man should be judged by the company he keeps and not by what he describes himself to be. A person has little chance of creditworthiness if he is surrounded by deadbeats or punks. Therefore, the essence of graph database is to measure the characteristics of a person from the people surrounding him (even the environment at N levels). It should be mentioned that graph data storage is the most convenient and suitable storage mode, and construction of graph database has become inevitable for anti-fraud. Based on this, Hengchang has integrated various data, such as data for respective stages of the main service lines in operation system and user authorization data, besides forming a graph database covering hundreds of millions of entities and billions of relationships. The data increases as the number of users increases. Relying on knowledge mapping technology based on graph database, a variety of information can be connected, forming a network of relationships without the barrier of fragmented information. In addition, new data sources can be added with ease and such visualized content can help credit auditors (to) analyze the potential risks in complicated relationships more effectively.

Hengchang Looks Forward to Global Cooperation on Financial Anti-Fraud

Furthermore, Hengchang has applied AI’s biometric identification and other technologies to the anti-fraud system. For example, anti-spoofing is used to judge the client’s honesty, coupled with face recognition. Similarly, voiceprint recognition can also identify the person just like fingerprint. At present, our technical platforms cover customer disconnection repair, engine for anti-fraud rules, fraud ring investigation, etc., with early risk warning and other technologies which shall be updated in the near future.

Internet finance is bound to be globally influential. I hope the experience from Hengchang can provide some reference for fintech enterprises in financial anti-fraud through such a forum of global influence. I also hope our technical team can contribute more to global financial anti-fraud through ongoing efforts.

90 years ago, Xu Zhimo wrote in Saying Goodbye to Cambridge Again, “Very quietly I take my leave, as quietly as I came here”. However, I will not leave Cambridge quietly but with greater responsibility, for I have gained a lot during this exchange. I am already looking forward to the meeting next year where I hope to share latest technological updates and other business stories. Thank you.