聚焦剑桥 恒昌以金融科技进步促进金融反欺诈

　　9月3日至9月10日，第三十五届剑桥经济犯罪国际论坛在英国剑桥大学耶稣学院举行。来自90多个国家和地区的官员、专家、学者汇聚一堂，探讨经济全球化相伴而生的经济和金融犯罪带来的挑战，交流有效防控经济犯罪的各方经验，解读Barry Rider教授的研究团队有效预防和控制经济犯罪的“剑桥方案”。作为来自中国的互联网金融领域的优秀企业代表，恒昌创始人兼CEO秦洪涛也受邀参会，并且发表了“以金融科技进步促进反金融欺诈”的主题演讲。

　　恒昌创始人兼CEO秦洪涛出席第三十五届剑桥经济犯罪国际论坛

　　据了解，剑桥经济犯罪国际论坛由剑桥大学耶稣学院Barry Rider教授发起，旨在推动国际社会及各国共同打击经济犯罪的专题论坛。其不仅是国际范围内最具影响力、举办历史悠久、汇聚立法、金融、大学机构等各方智慧的国际经济犯罪论坛，而且其在防控经济犯罪领域研究的深度、广度和相关性都达到了前所未有的学术高度。到目前为止，剑桥经济犯罪国际论坛已经吸引了来自全球90多个国家的1800多位参与者。一方面，本届论坛从法律、法规制定等上层建筑的宏观层面进行了深入探讨;另一方面，论坛也非常重视各国经济犯罪实践和解决之道的交流。从而通过来自各国的与会专家、立法者、金融企业的多方沟通合作，形成互通、互利、互信的防控经济犯罪的全球化纽带与桥梁。

　　恒昌创始人兼CEO秦洪涛(左一)与剑桥大学Barry Rider教授(左二)等合影

　　在会上，恒昌创始人兼CEO秦洪涛同与会专家学者就互联网金融犯罪控防等问题展开了探讨交流。在主题演讲中，秦洪涛也分享了中国的互联网金融犯罪的现状，并分享了恒昌利用金融科技进行反欺诈的实践。他表示，随着互联网技术的蓬勃发展，催生商业机遇的同时也滋生了更为复杂的经济犯罪。传统的监管手段已经不能完全控制新兴类型的犯罪，因此人工智能崛起，以及大数据、知识图谱、机器学习等金融科技的高速发展为防控互联网金融行业的犯罪，有效反欺诈提供了行之有效的解决方案。目前恒昌也积极利用大数据和知识图谱、生物识别等金融科技手段进行反欺诈。以生物识别为例，人脸识别加上活体识别，判断是否是真实存在的客户;声纹识别系统，判断是否是同一个人。恒昌的金融科技手段已经在反欺诈领域初见成效，如：设备识别技术解决了对借款人行为和意图的精准识别;标识撞库、高危、欺诈等风险名单以及针对羊毛党团队的反欺诈等。

　　一直以来，恒昌积极实施走出去战略，开展全球发展布局，不断汲取国内外前沿的理念，学习全球管理经验。恒昌创始人兼CEO秦洪涛也表示，非常荣幸在欧洲文明摇篮的剑桥大学耶稣学院里聆听国际智慧与经验，同时也希望与各方交流和分享恒昌公司的实践与经验，希望以此次具有全球影响力的论坛做为平台和契机，拓展恒昌的国际化、前瞻性视野，承担中国企业应负的责任，携手共创金融创新美好未来。

附：秦总演讲全文

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.