北京金融监管局等三方金融街论坛联合发布倡议，剑指金融黑灰产

Core Viewpoint - The financial sector is facing challenges from emerging black and gray industries, prompting a collaborative initiative to combat these issues and enhance financial risk prevention and governance [1][3]. Group 1: Financial Black and Gray Industries - Financial black and gray industries refer to illegal or borderline legal activities in the financial sector that generate improper benefits, including improper debt collection, illegal loan mediation, malicious debt evasion, and fraudulent credit repair [1]. - These industries are expanding rapidly, leveraging media platforms for marketing and exhibiting characteristics such as chain-like operations, cross-regional activities, bulk operations, and concealment [1][3]. Group 2: Challenges in Governance - Current governance efforts face challenges such as a lack of collaborative mechanisms, ambiguous legal standards, and insufficient punitive measures [3]. - The initiative aims to address these challenges by fostering a comprehensive prevention and control system to mitigate systemic financial risks [4]. Group 3: Joint Initiative Proposals - The initiative includes several proposals: 1. Information Sharing: Enhance collaboration in financial risk prevention through information sharing for pre-warning, rapid response, and precise post-event actions [4]. 2. Mechanism Improvement: Establish a risk monitoring mechanism and encourage financial institutions to report high-risk information proactively [4]. 3. Rights Protection: Develop standards for handling complaints and ensure quick resolution of legitimate claims while preventing malicious complaints [4]. 4. Accountability: Clarify the responsibilities of platforms regarding the verification of entities, information dissemination, and risk event management [4][5]. 5. Multi-Party Interaction: Create regular interaction mechanisms among regulatory bodies, judicial authorities, and academic institutions to conduct joint legal research on emerging black and gray industries [5].