全链条打击金融“黑灰产”

Core Viewpoint - The Beijing People's Procuratorate, in collaboration with the National Financial Regulatory Administration's Beijing Bureau and China University of Political Science and Law, has issued a joint initiative to combat financial black and gray industries, aiming to create a safe and trustworthy financial ecosystem [1][2]. Group 1: Financial Black and Gray Industries - Financial "black and gray industries" exploit consumers' urgent needs for rights protection, disguising illegal activities as "legitimate rights protection" to gain undue profits [1]. - Typical examples include improper debt collection, illegal loan mediation, malicious debt evasion, illegal insurance claims processing, false credit repair, and illegal stock recommendations [1]. - These activities disrupt financial management order and infringe on consumers' property safety [1]. Group 2: Multi-Party Collaborative Prevention System - A comprehensive prevention system involving judiciary, regulation, industry, platforms, and the public is necessary to combat these illegal financial activities [1]. - Strengthening information sharing and establishing a collaborative mechanism are essential for effective risk prevention [1]. - Financial institutions are required to report high-risk information proactively, while regulatory bodies should regularly conduct clue assessments and organize special rectifications [1]. Group 3: Consumer Rights Protection - It is crucial to enhance consumer rights protection to prevent illegal actors from exploiting consumers' eagerness to defend their rights [2]. - Improving complaint and reporting standards will ensure that consumers' reasonable demands are addressed promptly, preventing malicious complaints from consuming resources [2]. - Responsibilities of all parties must be clarified, particularly for online platforms regarding the verification of the qualifications of their members, information dissemination, and risk event management [2].