Nan Fang Du Shi Bao·2025-09-16 13:47Core Viewpoint - Shenzhen has taken action to enhance financial consumer rights by publicly disclosing the list of third-party cooperation institutions involved in credit business among eight major banks during the "Shenzhen 2025 Financial Education Promotion Week" [2][3]. Group 1: Third-Party Cooperation Institutions - Eight banks, including Industrial and Commercial Bank of China and Agricultural Bank of China, have announced their third-party cooperation institutions, focusing on marketing, guarantee enhancement, and collection services [2][3]. - For example, Shenzhen's Bank of China has nearly 80 third-party cooperation institutions, with over 70% involved in credit card auto installment and home decoration installment services [3]. - The list includes 49 auto installment companies, 9 home decoration installment companies, and 9 personal housing loan institutions, indicating a significant reliance on third-party services for credit management [3]. Group 2: Consumer Rights Protection - The Shenzhen Banking Association stated that the public disclosure of third-party cooperation institutions is a positive step towards protecting financial consumer rights and regulating banking practices [3]. - This initiative aims to combat illegal loan intermediaries and promote fair competition within the financial sector [3][4]. Group 3: Issues with Illegal Loan Intermediaries - Illegal loan intermediaries have been a persistent issue, prompting banks in Shenzhen to issue "anti-intermediary" statements against a specific consulting service named Xin Xin Hui Lin [4]. - These intermediaries often mislead consumers with false claims of partnerships with banks and charge excessive fees, leading to significant consumer rights violations [4][5]. - Regulatory authorities have highlighted various deceptive tactics used by these intermediaries, such as posing as bank employees and promoting unrealistic loan conditions [5].