公安部：“反催收联盟”、“职业背债”等新形态“黑灰产”蚕食金融机构合法利益

Core Viewpoint - The Ministry of Public Security and the National Financial Regulatory Administration have launched a joint initiative to combat illegal activities in the financial sector, particularly focusing on the "black and gray industry" that poses significant risks to financial order and institutions [1][2]. Group 1: Characteristics of Financial "Black and Gray Industry" - The operational model of the financial "black and gray industry" has become industrialized, forming a complete chain that includes false advertising, providing counter-tutorials, standardized scripts, forging false documents, and negotiating on behalf of others [1][3]. - The personnel involved in these activities have become professionalized, with some lawyers and collection agency professionals familiar with national laws and complaint rules, joining "anti-collection" teams driven by profit motives, leading to the emergence of professional complainants and agents [1][3]. - The methods of committing these crimes have become more covert, utilizing various new technologies and intelligent generation tools, making detection and identification significantly more challenging [1][3]. Group 2: Impact and Response - New forms of "black and gray industry," such as "anti-collection alliances" and "professional debtors," are rapidly expanding, undermining the legitimate interests of financial institutions and threatening national financial management order, thus becoming a significant industry issue [2][4]. - As industry rectification and criminal prosecution deepen, illegal activities in the financial sector are expected to become even more concealed, with increasingly complex and varied criminal methods [2][4]. - The Ministry of Public Security will continue to enhance collaboration with financial regulatory departments, maintain a regular deterrent against these activities, and actively participate in the governance of illegal financial intermediary industry chaos to contribute to high-quality financial development [2][4].