北京金融监管局加力严打非法存贷款中介：从严从快惩治银行“内鬼”

Core Viewpoint - Beijing Financial Regulatory Bureau is intensifying efforts to combat illegal loan intermediary practices, which are a significant manifestation of "black and gray industries" in the financial sector, aiming to protect consumers' legal rights [1][2] Group 1: Regulatory Actions - The bureau has implemented a combination of measures termed "strong responsibility, full coverage, and severe crackdown" to address illegal loan intermediaries [1] - Banks are required to strengthen management of loan assistance services and are prohibited from collaborating with illegal intermediaries or colluding with their employees [1] - Comprehensive clue investigation is being conducted through big data analysis and daily supervision to identify suspected illegal loan intermediaries [1] - A collaborative effort between central and local authorities is being formed to enhance source governance and criminal enforcement, increasing the intensity of dealing with harmful financial information online [1] Group 2: Characteristics of Illegal Practices - Illegal loan intermediaries often use deceptive marketing tactics, claiming partnerships with banks or offering low-interest loans, while charging high service fees that exceed consumer expectations [2] - They engage in fraudulent packaging to assist borrowers in fabricating loan application materials, targeting small businesses or individuals with poor credit [2] - The "loan shark" practices involve inducing borrowers to sign inflated loan contracts and using various illegal methods to seize borrowers' assets [2] Group 3: Consumer Awareness - Financial consumers are urged to remain vigilant against illegal loan intermediaries, protect their credit, and adhere to legal boundaries to avoid significant losses [2]