4起刑事立案！银行出手了

Core Viewpoint - The article discusses the rampant illegal activities related to credit cards, such as "anti-collection," "agent rights protection," and "credit repair," which have formed a significant illegal industry chain disrupting financial order and harming consumer rights. The banking industry is actively combating these issues through technology, police collaboration, and industry cooperation [3][4][5]. Group 1: Nature of Financial "Black and Gray Industry" - The financial "black and gray industry" refers to illegal activities surrounding credit cards and loans, including false agent complaints and fraudulent credit repair [4]. - These organizations often use online platforms to promote false advertisements, enticing consumers to hire them for resolving disputes with banks, charging high fees, and sometimes committing secondary fraud by stealing personal information [4][5]. - Research indicates that nearly 70% of malicious complaints against credit card businesses are suspected to be orchestrated by "black and gray" organizations [4]. Group 2: Impact on Banking Sector - The "black and gray industry" has led to an increase in non-performing loans and heightened difficulty in post-loan management for banks, as they interfere with normal collection processes [5]. - Malicious complaints and distortion of facts by these organizations damage the reputation of banks, leading to negative public perception and long-term impacts on normal business operations [5]. Group 3: Regulatory and Industry Response - 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 break significant cases and punish offenders [5][6]. - Various financial regulatory agencies 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 [5]. Group 4: Technological Empowerment in Combatting Illegal Activities - Banks are enhancing their digital capabilities to combat the "black and gray industry," employing big data and artificial intelligence to identify suspicious behaviors [6][7]. - For instance, Ping An Bank has established a "1+N" system for combating illegal activities, utilizing a smart risk control system for precise identification and monitoring of financial crimes [7][8]. - The collaboration between banks and law enforcement has led to significant breakthroughs, with Ping An Bank reporting 20 criminal cases and 28 administrative penalties since the establishment of its special task force [6][7]. Group 5: Future Directions and Challenges - The banking sector is expected to continue strengthening technological empowerment to combat the "black and gray industry," including refining risk models and enhancing collaboration with law enforcement [8][9]. - Industry experts highlight the need for clearer regulatory definitions regarding illegal agent rights protection and the establishment of dedicated prosecutorial offices for financial crimes [9].