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明确两个“严禁”!北京金融监管局“重拳”打击非法存贷款中介
Bei Ke Cai Jing·2025-08-11 09:21

Core Viewpoint - The Beijing Financial Regulatory Bureau is taking strong measures to combat illegal loan intermediaries, aiming to protect the rights of financial consumers through a comprehensive approach that includes strict responsibilities and full coverage of monitoring efforts [1][2][3][4][5]. Group 1: Regulatory Measures - The bureau has implemented a "strong responsibility" framework, prohibiting institutions from collaborating with illegal loan intermediaries and preventing bank employees from colluding with these entities [2]. - A "full coverage" strategy is being employed, utilizing big data analysis and routine supervision to identify suspected illegal loan intermediaries [3]. - The bureau plans to enhance collaboration with relevant departments to intensify the crackdown on illegal financial activities and improve the handling of harmful online financial information [4]. Group 2: Consumer Protection - The bureau emphasizes the need for strict and swift punishment of bank employees involved in illegal loan intermediary activities to deter such practices [5]. - Financial consumers are urged to remain vigilant against illegal loan intermediaries, to protect their personal credit and avoid falling into traps that could lead to significant financial loss [9]. Group 3: Illegal Practices - Illegal loan intermediaries often employ deceptive marketing tactics, claiming low-interest loans and partnerships with banks, while charging exorbitant service fees that inflate the actual cost of loans [8]. - They may assist borrowers in fabricating loan application materials, targeting individuals with insufficient credit or small businesses, sometimes colluding with bank employees to secure loans through fraudulent means [8]. - Some intermediaries engage in "loan sharking" practices, coercing borrowers into signing inflated loan agreements and using various illegal methods to seize borrowers' assets [8].