打击金融黑灰产升级：“征信修复”等非法代理维权被定为敲诈勒索

Core Viewpoint - The rise of illegal debt optimization and rights protection organizations has led to a significant shift in judicial recognition from "fraud" to "extortion," indicating a new phase in the crackdown on financial black and gray industries [1][2][3] Group 1: Nature of Illegal Activities - These organizations operate under the guise of helping overdue clients reduce debts but engage in coercive tactics against financial institutions, including forgery and malicious complaints, to extract profits [1][2] - A recent case revealed a gang that, since 2022, used purchased overdue customer information to lure clients into paying for their "rights protection" services, resulting in illegal gains exceeding one million yuan [2][3] Group 2: Legal and Judicial Developments - The judicial system has begun to classify the actions of these organizations as extortion, which carries heavier penalties compared to fraud, thus increasing the legal risks for offenders [3][4] - The shift in legal classification allows for a comprehensive crackdown on the entire criminal chain, targeting both the deception of clients and the coercion of financial institutions [3][4] Group 3: Impact on Financial Institutions - The illegal activities have raised operational costs for financial institutions and disrupted the normal regulatory environment, leading to broader implications for social credit systems [5][6] - The involvement of personal information violations is prevalent, as criminals require sensitive data to execute their schemes, which can lead to further criminal activities such as fraud and money laundering [5] Group 4: Collaborative Governance Efforts - A multi-departmental approach is being implemented to combat the black and gray financial industries, with law enforcement and regulatory bodies working together to enhance legal enforcement and administrative oversight [5][6] - Recent initiatives include the establishment of risk models using technology to identify and warn against malicious complaints, demonstrating a proactive stance in regulatory measures [5][6] Group 5: Achievements in Law Enforcement - Significant progress has been made in various regions, with numerous cases being prosecuted and substantial amounts of money involved, indicating a strong legal deterrent against these illegal activities [6]