严打金融“黑灰产”，北京重拳整治非法存贷款中介

Core Viewpoint - The article highlights the ongoing issues with illegal loan intermediaries in the financial sector, emphasizing the need for regulatory action to protect consumers and maintain financial integrity [3][4]. Group 1: Illegal Loan Intermediary Practices - Illegal loan intermediaries are a significant manifestation of "black and gray industries" in finance, with tactics including false marketing and low-interest temptations, often claiming to have "internal channels" with banks [4]. - Common schemes involve fraudulent loan packaging, where intermediaries assist small businesses or individuals with poor credit in fabricating loan applications, sometimes colluding with bank employees to secure loans [4]. - The "loan shark" practices include inducing borrowers to sign inflated contracts, creating false financial records, and employing tactics like malicious debt accumulation and fraudulent lawsuits to unlawfully seize assets [4]. Group 2: Regulatory Response - The Beijing Financial Regulatory Bureau has intensified efforts to combat illegal loan intermediaries, implementing a "strong responsibility, full coverage, severe crackdown" strategy to protect consumer rights [4]. - Specific measures include enforcing strict responsibilities on banks to regulate lending practices, prohibiting partnerships with illegal intermediaries, and preventing collusion between bank employees and external parties [4]. - The bureau is also conducting comprehensive investigations using big data analysis and daily monitoring to identify suspicious intermediaries, while enhancing collaboration with multiple departments to address the root causes of these issues [4].