PAB(SZ:000001) Zhong Guo Jing Ying Bao·2025-09-09 14:44Core Viewpoint - The rise of illegal activities related to credit cards, such as "anti-collection," "agent rights protection," and "credit repair," has created a disruptive and harmful industry chain that undermines financial order and consumer rights. The banking sector is intensifying efforts to combat these activities through technology, collaboration with law enforcement, and industry cooperation [1][2]. Group 1: Nature of Financial "Black and Gray Industry" - The financial "black and gray industry" encompasses illegal activities surrounding credit cards and loans, including fraudulent agent complaints and false credit repair services [2]. - These organizations often use online platforms to promote deceptive advertisements, enticing consumers to hire them for resolving disputes with banks, charging high fees, and sometimes engaging in secondary fraud by stealing personal information [2][3]. - Research indicates that nearly 70% of malicious complaints against credit card businesses are suspected to be orchestrated by "black and gray" organizations [2]. Group 2: Impact on Banking Sector - The "black and gray industry" has led to an increase in non-performing loans and heightened challenges in post-loan management for banks, complicating the collection process and damaging the banks' reputations [3]. - Malicious complaints and distortion of facts by these organizations create negative public perceptions of banks, which can adversely affect their operations in the long term [3]. Group 3: Regulatory and Collaborative Actions - In March 2025, the Ministry of Public Security and the National Financial Regulatory Administration launched a special crackdown on the financial "black and gray industry," emphasizing the need to address illegal agent complaints and anti-collection activities [3][4]. - Various financial regulatory bodies across provinces have issued risk warnings to consumers about scams related to "debt clearance" and "agent rights protection," urging them to resolve financial disputes through legitimate channels [3]. Group 4: Technological Empowerment in Combatting "Black and Gray Industry" - Banks are leveraging technology to enhance their capabilities in identifying and combating the "black and gray industry," employing big data and artificial intelligence to develop risk models [4][6]. - For instance, Ping An Bank has established a specialized task force to combat the "black industry," achieving significant results, including 20 criminal cases and 28 administrative penalties since its inception in September 2022 [5][6]. Group 5: Future Directions and Challenges - Industry experts believe that ongoing regulatory policies will be crucial for financial institutions to effectively manage the "black and gray industry" [7]. - There are calls for clearer definitions of illegal operating criteria for "agent rights protection" and the inclusion of forged documents in the evidence chain to facilitate prosecution [7].