Group 1 - The People's Bank of China (PBOC) has decided to resume the trading of government bonds in the open market after a pause due to imbalances in supply and demand and accumulated market risks [1] - The PBOC is focused on optimizing the management system of the digital renminbi and supporting more commercial banks to become operational entities for digital renminbi [2] - The PBOC will continue to combat the operation and speculation of domestic virtual currencies, maintaining economic and financial order while monitoring the development of overseas stablecoins [2] Group 2 - The PBOC is enhancing its macro-prudential management system to prevent systemic financial risks, focusing on monitoring and assessing risks, reinforcing preventive measures for key institutions and sectors, and improving the macro-prudential management toolbox [3] - The PBOC plans to release a list of systemically important insurance companies and implement additional regulatory measures [3] - The PBOC aims to strengthen coordination among monetary policy, macro-prudential management, micro-prudential regulation, and other policies to create a unified approach [3]

Group 1 - The People's Bank of China (PBOC) has decided to resume the trading of government bonds in the open market after a pause due to imbalances in supply and demand and accumulated market risks [1] - The digital yuan ecosystem has been preliminarily established, and the PBOC plans to further optimize its management system and support more commercial banks to operate digital yuan services [1] - The PBOC will continue to combat the operation and speculation of domestic virtual currencies, maintaining economic and financial order while monitoring the development of overseas stablecoins [1] Group 2 - The PBOC is researching a one-time personal credit relief policy to help individuals repair their credit records, which will exclude certain default information from credit reports if loans have been repaid [2] - The PBOC aims to enhance macro-prudential management of cross-border capital flows, focusing on monitoring systemic financial risks and improving risk prevention measures for key institutions and sectors [2] - The PBOC plans to strengthen the collaborative governance mechanism of macro-prudential management, aligning monetary policy with fiscal and industrial policies [3]

Core Viewpoint - The article highlights a fraudulent training program that misleads individuals into believing they can legally modify their credit records, ultimately resulting in financial loss and no legitimate qualifications obtained [1] Group 1: Fraudulent Training Program - A woman named Ms. Zhang was misled by an advertisement for a "credit repair and enhancement practical training course" promising to teach "legal" methods to modify credit records [1] - After paying 2000 yuan for the training, she discovered that the "credit repair specialist" qualification was not recognized by the state and could not be used for employment or assisting others in credit repair [1] - Upon attempting to recover her training fee, she found that the organization had disappeared [1] Group 2: Warnings from Financial Institutions - Guangfa Bank's Nanjing branch warns that neither credit agencies nor financial institutions have the authority to arbitrarily change or delete information displayed in credit reports [1] - The bank emphasizes that so-called "credit knowledge training" should aim to help the public better understand credit knowledge and related policies, rather than imparting false "modification secrets" [1]

Core Points - The article highlights a case of fraud involving a credit repair agency that deceived a customer into paying for services that were never rendered [1] Group 1: Fraudulent Practices - The fraudulent agency promised to remove negative credit records through special means, which is deemed untrustworthy by financial institutions [1] - Illegal financial intermediaries often lure customers with terms like "credit washing" and "quick repair," charging high fees without delivering any real solutions [1] - The victim, Mr. Zhang, was misled into paying a total of 30,000 yuan (approximately 4,200 USD) for services that did not exist [1] Group 2: Recommendations - Financial institutions advise individuals to directly contact credit agencies or the financial institutions that reported the information if they have disputes regarding their credit records [1] - It is emphasized that all claims of being able to "delete credit records" are scams, and individuals should avoid trusting "black intermediaries" to prevent further complications [1]

Core Viewpoint - The article highlights the emergence of fraudulent "credit repair" services that mislead consumers into believing they can erase negative credit records, emphasizing that such practices are scams and do not exist within the legitimate credit system [1][2]. Group 1: Fraudulent Practices - Some intermediaries are promoting "credit repair" services online, claiming they can help consumers "repair credit, wash records, and remove entries," often through deceitful means such as fabricating facts and pressuring financial institutions [1]. - A recent court ruling has penalized individuals involved in credit card "credit repair" scams, resulting in prison sentences and fines for those who forged documents [1]. Group 2: Credit Reporting System - The personal credit report has become a crucial document for loan applications, with banks relying on it to assess creditworthiness, making it essential for individuals to maintain good credit by repaying loans on time [1]. - Negative credit records are retained for five years, as stipulated by the Credit Reporting Management Regulations, which state that such records should be deleted after this period [1]. Group 3: Consumer Awareness and Protection - Consumers are urged to be cautious of "credit repair" scams, as engaging with these fraudulent intermediaries can lead to financial loss and potential misuse of personal information for illegal activities [2]. - The orderly development of the credit industry is vital for building a trustworthy market economy, and the existence of "credit repair" scams contradicts the efforts to establish a sound credit system [2]. - Authorities are encouraged to strengthen collaboration to eliminate false "credit repair" advertisements online and enhance the management of credit records, making it easier for individuals to access and correct their credit information [2].

Core Viewpoint - The so-called "credit repair" services are fraudulent, involving illegal operations such as fabricating evidence or malicious complaints, and consumers are at risk of personal information leakage and financial loss [1][4][6]. Group 1: Nature of "Credit Repair" Services - Intermediaries charge fees for "repairing" bad credit records, with prices reported at 4,000 yuan for removing compensation records and 3,000 yuan for overdue records [1]. - Many social media accounts claim to offer professional help for credit issues, often misleading users into believing they can resolve their problems [2][3]. - The process typically involves submitting false documents and claims, which can lead to legal consequences for both the intermediaries and the consumers [4][5]. Group 2: Legal Implications - Submitting false materials for credit disputes is illegal and can result in civil liability, administrative penalties, and even criminal charges [5]. - Legal experts emphasize that legitimate credit dispute applications must be based on accurate records and submitted through proper channels [5]. Group 3: Regulatory Warnings - The People's Bank of China has issued warnings about the scams associated with credit repair, highlighting the tactics used by fraudsters to deceive consumers [6][7]. - Consumers are advised to avoid trusting any claims of guaranteed credit record deletion, as legitimate dispute processes are available for free through official channels [7]. Group 4: Credit Record Management - Negative credit records automatically expire after five years, and consumers are encouraged to settle overdue payments promptly [8]. - Frequent inquiries into personal credit reports can negatively impact credit scores and loan applications, with new regulations allowing free online access to credit reports starting July 1, 2025 [9][10]. - Having overdue records does not necessarily prevent loan applications, as banks may consider individual circumstances [11].

Group 1 - The Ministry of Public Security and the National Financial Regulatory Administration have launched a six-month crackdown on illegal financial activities, targeting illegal agency rights protection, anti-collection alliances, and credit repair scams [1] - ZhongAn Insurance has responded by collaborating with several financial institutions to combat "black and gray production" through an upgraded intelligent risk control system that enhances service quality and accurately identifies financial crimes [1][4] - The financial industry has seen a rapid rise in black and gray production alongside digitalization, which disrupts market order and harms consumer rights [2][3] Group 2 - Fraudulent schemes often disguise themselves as "agency complaints" or "credit repair," using social media and short video apps to lure consumers, leading to financial losses and potential misuse of personal information [3] - ZhongAn Insurance emphasizes that credit records are managed by the People's Bank of China and cannot be altered by any individual or organization, warning consumers against scams promising to erase negative records [3][6] - The company is committed to building a robust technical defense system using AI models to detect abnormal behaviors associated with black and gray production, thereby improving customer service and early warning mechanisms [5][6] Group 3 - Financial institutions are urged to take on multiple responsibilities, including technical defense, risk management, user education, and industry collaboration to eliminate financial black and gray production [6] - ZhongAn Insurance plans to enhance its intelligent risk control system to better identify black and gray production activities and protect consumer data from leaks [6] - The company calls on consumers to educate themselves about financial knowledge, recognize the nature of black production, and protect their personal information and financial security [6]

安全提示 接到陌生电话 必须核实对方 身份,对于自 称工作人员的 人,要通过官 方渠道进行核 实。 电信诈骗案例剖析 0 冒充银行客服类诈骗 违法人员通过非法手段获取受害人信 息,冒充银行客服人员,发送虚假的银行卡 查询链接,要求被害人填写个人信息、银行 卡卡号及密码并引诱被害人告知银行短信验证码,从而划走 资金,导致被害人财产损失。 案例 在江西打工的王某接到一个电话,显示的是个陌生的 个人号码,对方自称是某银行客户经理,告知王某其信用 良好,有资格提高其信用卡的透支额度。王某心想信用卡 额度高点比较方便,银行打来一些营销电话也正常,还不 用去网点，便应允了。按照对方要求,王某将自己在该银 行办理的信用卡卡号、有效期、卡背面数字验证码等信息 告诉了对方。随后,对方称银行正在审核,需要王某提供 动态密码确认,王某信以为真,便提供给了对方,直到资 金被划走方知被骗。 这位所谓的老同学极力说服李女士先垫付 资金。基于对老同学的信任,加上已经视频通话核实了身 份,李女士将自己手里的40万元转入了对方提供的一个银 行账号。随后李女士感觉到事有蹊跷并拨打了真正的老同学 电话,这才发现被骗了,随即便报了警。 安全提示 0 ...