PAB(SZ:000001) Jin Tou Wang·2025-11-06 08:14Core Viewpoint - The rise of illegal proxy complaint services in the credit card sector has led to a systematic and industrialized approach, exploiting vulnerable debtors through deceptive practices and false advertising [1][2]. Group 1: Industry Trends - The illegal proxy complaint industry is increasingly using social media and short video platforms to promote fraudulent services, claiming to have internal bank partnerships that can eliminate bad credit records at no cost [1]. - The operational model of these illegal services is highly covert, luring debtors with "free consultations" and subsequently charging high fees under the guise of "deposit + final payment" [1]. Group 2: Consumer Impact - Debtors, such as individual Zhang, have fallen victim to these scams, paying significant sums (e.g., 5,000 yuan) for services that were never delivered, leading to personal information being sold to loan platforms and resulting in harassment [6]. - The fraudulent activities have severe consequences, including being placed on risk lists by banks due to falsified documents, which further complicates the debtor's financial situation and leads to a cycle of increasing debt [6]. Group 3: Regulatory Response - In response to the rampant illegal activities, regulatory bodies and financial institutions are developing a multi-dimensional governance system to disrupt the customer acquisition chain of these black and gray market operations [7]. - Initiatives such as the "Qinglang Pujiang" special action plan for 2025 will focus on illegal financial intermediaries, while financial institutions are employing big data models to identify and block abnormal complaint behaviors [7].