重拳出击！银行围剿信用卡“黑灰产”

Core 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, police collaboration, and industry cooperation [2][4]. Regulatory Actions - The Ministry of Public Security and the National Financial Regulatory Administration have launched a six-month crackdown on illegal activities in the financial sector, focusing on illegal agent complaints and anti-collection practices starting in 2025 [2][4]. - Financial regulatory agencies in various 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 [4]. Industry Response - Banks are leveraging digital capabilities to develop various big data risk control models, such as "black industry identification models" and "complaint customer group identification models," to identify and combat illegal activities [2][5]. - The banking sector has seen a significant impact from "black and gray industry" activities, with nearly 70% of malicious complaints against credit card businesses suspected to be orchestrated by these organizations [3]. Collaborative Efforts - Banks are enhancing collaboration with law enforcement and industry associations to expedite case handling and improve the effectiveness of their responses to illegal activities [5]. - For instance, Ping An Bank's credit card division has established a specialized task force that has led to 20 criminal cases and 28 administrative penalties since its inception in September 2022 [6]. Technological Empowerment - Technology is becoming a crucial tool for banks in combating the "black and gray industry," with advancements in big data and artificial intelligence being utilized to refine risk models and identify fraudulent activities [7]. - Ping An Bank has implemented an innovative "1+N" system for combating illegal activities, utilizing a centralized command structure and advanced monitoring technologies [6]. Future Directions - Industry experts emphasize the need for ongoing regulatory support to effectively address the "black and gray industry," highlighting gaps in current policies that need to be addressed for more effective enforcement [8]. - Financial education and public awareness campaigns are also being prioritized to enhance consumer understanding of financial risks and prevent falling victim to scams [9].