直击黑灰产，平安银行信用卡捍卫金融安全成果显著

Core Viewpoint - The rise of illegal credit card activities disguised as "debt collection resistance," "agency rights protection," and "credit repair" has severely disrupted financial order and harmed consumer rights, prompting banks to enhance their efforts in combating these issues through technology and collaboration [2][3][8] Group 1: Overview of the Black and Gray Industry - The financial black and gray industry has rapidly developed, primarily involving intermediaries that claim to assist consumers with debt complaints, often using illegal methods such as forgery and harassment [3][4] - These intermediaries pose as helpers but ultimately exploit consumers, leading to personal information leaks and financial losses due to high fees and unauthorized access to bank accounts [4][5] Group 2: Actions Taken by Financial Institutions - Financial institutions, particularly Ping An Bank's credit card division, have actively engaged in combating these intermediaries, including a case involving a law firm that was investigated for illegal complaint representation [5][6] - Ping An Bank has established a specialized task force to address illegal activities related to debt collection and credit repair, resulting in significant legal actions, including 10 criminal cases and 12 administrative penalties by 2025 [5][6] Group 3: Technological Measures and Strategies - Ping An Bank has upgraded its measures to combat black and gray activities by implementing advanced identification technologies and optimizing case handling processes to enhance efficiency [6][7] - The bank has developed a comprehensive support system for frontline teams, utilizing big data to analyze and identify black and gray industry clues, and has created a manual to assist in legal reporting [6][7] Group 4: Impact on Market and Consumer Rights - The ongoing efforts to combat financial black and gray activities are crucial for maintaining market order, protecting consumer rights, and ensuring the stability of the financial system [8] - Ping An Bank's actions have not only deterred illegal activities but also contributed to the healthy and orderly development of the financial market, reinforcing consumer trust and safety [8]