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Core Viewpoint - The financial industry is undergoing unprecedented transformation due to the deep integration of technologies such as artificial intelligence, big data, and blockchain, while also facing increased complexity and hidden risks associated with financial crimes [1][3]. Group 1: Financial Crime Trends - The number of illegal fundraising cases is showing a positive downward trend, but methods are evolving with a dual online and offline approach, increasing involvement from high-net-worth individuals [4][5]. - Money laundering is increasingly penetrating new sectors like digital payments and virtual currencies, with organized crime groups becoming more active [4]. - Securities and futures crimes are characterized by specialization and collaboration, raising concerns about the involvement of intermediary institutions in financial fraud [4][5]. Group 2: Legal and Regulatory Responses - Legal supervision is shifting from passive responses to proactive measures, leveraging digital technologies to enhance financial risk prevention and governance [3]. - The Beijing Financial Regulatory Bureau, in collaboration with the Beijing People's Procuratorate and China University of Political Science and Law, issued a joint initiative to combat financial black and gray industries, emphasizing the need for a collaborative approach to governance [7][8]. Group 3: Recommendations and Initiatives - The joint initiative proposes several measures, including enhancing information sharing among financial institutions, improving risk monitoring mechanisms, and ensuring consumer rights protection [7][8]. - It emphasizes the importance of public education on financial knowledge to build a collective resistance against financial black and gray industries [8].