经济日报：大力整治非法存贷款中介

Group 1 - The core issue is the rise of illegal loan intermediaries, which have become a significant manifestation of "black and gray industries" in the financial sector, prompting a warning from the National Financial Regulatory Administration [1] - Illegal intermediaries exploit borrowers' psychological tendencies for discounts and urgent needs, using complex methods to lure them into traps, such as claiming to have "internal discounts" from banks while charging high service fees [1] - Some intermediaries target small and micro enterprises with insufficient credit, assisting them in fabricating loan application materials, leading to borrowers becoming "professional debtors" while the intermediaries abscond with the funds [1] Group 2 - The illegal loan intermediary phenomenon not only infringes on the legitimate rights of financial consumers but also disrupts the financial market order, necessitating strict regulation and enforcement to protect consumer rights [2] - A contributing factor to the success of illegal intermediaries is their collusion with certain bank employees, which requires banks to enhance management of "assisted loan" services and prohibit cooperation with illegal intermediaries [2] - Financial management departments should utilize big data analysis and regular supervision to identify and eliminate illegal intermediaries, focusing on banks that collaborate with unqualified third-party institutions [3] Group 3 - There is a need for collaborative governance between central and local authorities to strengthen the crackdown on illegal financial activities, including the swift punishment of bank employees involved in collusion with illegal intermediaries [3]