第一财经

Yicai Editorial: Laying the Foundations for Artificial Intelligence in Anti-Fraud Initiatives

原文:一财社论:打造人工智能反诈“地基”

Summary of the Key Points

The recently released 15th Five-Year Plan for the information and communications industry by the Ministry of Industry and Information Technology outlines a concrete development roadmap for the national communications sector from 2025 to 2030. On one hand, an investment of 3.8 trillion yuan will be made to establish a new generation of high-speed communication networks across the country, aiming to boost the total size of the communications industry to 4.1 trillion yuan. This will enable new services such as autonomous driving and remote surgery, which rely on high-speed networks, to become commonplace. On the other hand, the plan focuses not just on increasing network speed but also on addressing critical issues like telecom fraud and the leakage of personal information. It recognizes the limitations of relying solely on real-name registration systems for fraud prevention and proposes to strengthen measures by clarifying the ownership of personal data and encouraging public participation in governance. The ultimate goal is to create a communication environment that is not only fast but also completely trustworthy.

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Detailed Explanation of the Key Points

1. All 13 quantitative targets are tangible requirements, not empty promises

The massive investment of 3.8 trillion yuan and the expected industry revenue of 4.1 trillion yuan are not just figures; they represent tangible benefits for consumers. This money will be used to build infrastructure such as base stations, optical cables, and communication satellites. By 2030, internet speeds will be so high that downloading a 4K movie will take just a few seconds, regardless of whether you are in a remote mountain area, an underground garage, or a high-speed train traveling at 300 kilometers per hour. The increased industry revenue will not mean higher phone bills for users; instead, it will lead to the proliferation of new services like remote consultations, connected vehicles, smart homes, and VR tours, creating new jobs and opportunities. None of the 13 targets are theoretical; they are all measurable and must be achieved.

2. This time, security is built into the foundation from the start

In the past, communication infrastructure was often laid out quickly, with security measures added later, leaving vulnerabilities that could be exploited by fraudsters. The new plan integrates anti-fraud and information security requirements from the outset. For example, apps suspected of fraud will be rated and banned from app stores, and AI systems will automatically alert users or prevent transactions when suspicious activities are detected. The so-called “full lifecycle real-name registration” ensures that every aspect of a phone’s usage, from application to disposal, is tracked, preventing fraudsters from using “blank” numbers. This approach prevents problems before they occur.

3. Why do people still get scammed despite years of real-name registration? Two fundamental issues have been identified

The plan explains why real-name registration has not been more effective: first, the cost of supervision is too high; it is impossible for authorities to verify the information of billions of users effectively. Second, the people responsible for enforcement and those who suffer from fraud are not the same, leading to a lack of motivation for platforms to take proactive measures. The new plan aims to change this by clarifying ownership of personal data and encouraging public participation in security.

4. Personal information is now clearly defined as “private property”

The plan establishes a system for information ownership and authorization, specifying that personal data, such as phone numbers, location, browsing history, and purchase records, belongs to the individuals themselves. Apps and platforms must clearly explain how they use and store this data and how it will be deleted. This prevents them from secretly using or selling this information for profit, addressing the issue of fraudsters obtaining personal data.

5. Everyone can contribute to fraud prevention

The plan promotes a collaborative approach, involving both the public and regulatory authorities. Users will have more power to report fraud and platforms will be encouraged to self-regulate. This combined effort will help to fill gaps in security, creating an environment where no one can easily steal or use personal information for fraudulent purposes.

In summary, this plan goes beyond merely focusing on increasing speeds and reducing costs. It addresses the needs of a future where AI and the Internet of Things are widely used. It ensures that personal data is protected, providing the foundation for a safe and trustworthy smart life.