治代理维权陷阱，关键是让维权不难

Core Viewpoint - The article emphasizes the urgent need to combat illegal "proxy rights protection" practices that exploit vulnerable financial consumers and investors, highlighting the importance of establishing effective regulatory measures and improving legitimate rights protection channels [2][3]. Group 1: Current Situation and Risks - The article outlines the characteristics of illegal "proxy rights protection," including false claims about new regulations and activities by financial institutions, as well as the use of provocative language by unlicensed agents [2]. - It stresses that the crackdown on illegal "proxy rights protection" is crucial to reduce the risk of further victimization for those already in financial distress and to maintain a lawful financial market environment [2]. Group 2: Root Causes and Solutions - The persistence of illegal "proxy rights protection" is attributed to the inadequacies in legitimate rights protection channels, which fail to effectively reach those in need, allowing rumors and fraudulent tactics to thrive [3]. - To effectively curb illegal practices, it is essential to reduce information asymmetry and enhance communication between policies and the market, ensuring that accurate information reaches debtors and investors [3]. Group 3: Structural Improvements - The article calls for the establishment of a personal bankruptcy system and credit repair mechanisms to provide individuals with affordable options for restructuring their financial situations, as current systems are insufficient [4]. - It advocates for the introduction of collective litigation, burden of proof on the defense, and dispute resolution mechanisms in the financial market to empower consumers and ensure equitable negotiations with service providers [4]. Group 4: Conclusion - The article concludes that addressing the shortcomings in the legal protection of financial consumers and improving communication channels will create a more secure financial environment, ultimately diminishing the conditions that allow illegal "proxy rights protection" to flourish [5].