国家金融监管总局：持续加大对非法贷款中介、非法代理维权等重点领域打击力度

Core Viewpoint - The Ministry of Public Security and the National Financial Regulatory Administration have jointly launched a crackdown on illegal financial activities, focusing on "black and gray industries" in the financial sector, with significant results reported in a recent press conference [1][2]. Group 1: Crackdown Measures and Achievements - From June to November, a six-month operation was conducted across 17 key provinces and cities to combat illegal financial activities, with a focus on enhancing regulatory effectiveness and market order [2]. - The regulatory authorities have shifted from a fragmented approach to a coordinated effort, resulting in the transfer of over 4,500 leads to law enforcement, involving amounts exceeding 21 billion yuan [3]. - The crackdown has led to the identification and reporting of over 1,700 cases by financial institutions, with amounts exceeding 17 billion yuan, showcasing the effectiveness of the "regulatory + police" collaboration [3]. Group 2: Strategic Shifts in Enforcement - The approach has evolved from "passive response" to "proactive measures," with financial institutions being urged to manage partnerships more effectively and to issue public statements to guide public perception [5]. - The regulatory framework has been enhanced to include the establishment of evidence transfer standards for criminal activities, aiming to improve the efficiency of law enforcement collaboration [2][4]. - The focus has also shifted from "end-of-line disposal" to "source governance," with extensive educational campaigns and the publication of typical cases to raise awareness and improve compliance [6]. Group 3: Recommendations for Financial Institutions - Financial institutions are encouraged to adopt the "three iron" internal control management principles to strengthen risk management and compliance [7]. - There is a call for increased investment in technology, utilizing big data and artificial intelligence to enhance the identification of risks associated with "black and gray industries" [7]. - Institutions are advised to refine their operational philosophies, ensuring that core services are not outsourced and that they maintain direct control over customer acquisition channels [8].