5起金融“黑灰产”案例曝光！金融监管总局联合公安部重磅发布

Core Viewpoint - The National Financial Supervision Administration and the Ministry of Public Security have jointly exposed a second batch of typical cases of illegal activities in the financial sector, highlighting the ongoing crackdown on financial "black and gray" industries, which include loan fraud and insurance scams [1][4]. Group 1: Banking Sector Black and Gray Activities - Three cases of illegal activities in the banking sector were reported, involving "packaged loan fraud," "shell company loan fraud," and "white household" loan fraud, which severely disrupt credit management and occupy inclusive financial resources [5][6]. - Case 1 involved a company that assisted clients in obtaining business loans by misrepresenting their financial status, resulting in illegal loans totaling 56.39 million yuan, with an effective annual interest rate exceeding 36% [6]. - Case 2 detailed a scheme where an individual created multiple shell companies to fraudulently obtain 102 million yuan in unsecured business loans, leading to significant losses for financial institutions [7]. - Case 3 described a gang that recruited individuals with no intention or ability to repay loans, resulting in the fraudulent acquisition of 7.344 million yuan in auto loans, causing a loss of 6.765 million yuan to banks [8]. Group 2: Insurance Sector Black and Gray Activities - The insurance sector has seen a rise in illegal activities centered around "policies" and "commissions," with two cases reported involving "short-term speculative cancellations" and "illegal information acquisition" [9][10]. - Case 4 involved a scheme where an insurance broker developed clients under false pretenses, leading to the cancellation of policies worth 17.63 million yuan and illicit gains of 23.48 million yuan, resulting in a net loss of over 5.84 million yuan for the insurance company [11]. - Case 5 highlighted the illegal purchase of personal information to facilitate "agent cancellation" services, with over 67,000 records acquired, leading to a profit of 68,000 yuan for the perpetrators [12]. Group 3: Regulatory Actions and Future Directions - The National Financial Supervision Administration has intensified efforts against financial black and gray activities, with over 1,500 cases investigated and more than 200 organized crime groups dismantled, involving a total of nearly 30 billion yuan [12]. - The administration plans to continue its crackdown on illegal loan intermediaries and enhance cross-departmental collaboration to improve the effectiveness of law enforcement in the financial sector [13][14]. - Future measures will include developing standards for evidence transfer related to illegal activities to enhance the efficiency of criminal prosecution [14].