泰州农商银行：防范金融“黑灰产” 筑牢风险防线

Core Viewpoint - The article highlights the importance of enhancing compliance and risk awareness within the financial sector, specifically addressing the prevention of financial "black and gray industries" through a comprehensive educational initiative organized by Taizhou Rural Commercial Bank [1][2]. Group 1: Educational Initiative - The warning education activity organized by Taizhou Rural Commercial Bank on August 17 aimed to strengthen compliance capabilities and risk assessment levels across the industry [1]. - The event included participation from various departments, including corporate finance, inclusive finance, risk management, and credit management, ensuring a broad and targeted approach [1][2]. - Attendees watched a CCTV program that exposed typical cases of "packaged loans" and "black and gray industries," which shocked and alerted participants to the risks involved [1][2]. Group 2: Risk Prevention Measures - The activity focused on the new forms and characteristics of "black and gray industries" in the financial sector, analyzing illegal lending, money laundering, and fraudulent loan behaviors [2]. - Strict preventive measures were proposed, including comprehensive customer information collection, verification of application behaviors, and tracking of fund flows [2]. - Emphasis was placed on "penetrating management" to prevent risk loopholes in business processes and to block the infiltration of "black and gray industries" from the source [2]. Group 3: Future Actions - Taizhou Rural Commercial Bank plans to deepen the effectiveness of the warning education by integrating risk prevention requirements into the entire business process [3]. - The bank aims to strengthen risk control throughout the credit process and enhance employees' compliance awareness and professional capabilities [3]. - The initiative is intended to contribute to financial safety and ensure the stable development of credit business [3].