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].

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 "black and gray" industries, emphasizing the need for financial institutions to strengthen risk management and compliance responsibilities [1][2]. Group 1: Strengthening Risk Management - Financial institutions are required to enhance their comprehensive risk management, particularly in internal control and compliance [1][2]. - Institutions must standardize the management of partner organizations, improve the qualification review and daily supervision of third-party partners, and optimize complaint handling processes [1][2]. Group 2: Technological Empowerment - Financial institutions should increase investment in technology, utilizing big data and artificial intelligence to improve the identification of risks associated with "black and gray" industries [1][2]. - The goal is to build an intelligent risk prevention system [1][2]. Group 3: Changing Business Philosophy - Regulatory authorities will continue to standardize industry operations, urging financial institutions to establish correct views on business, performance, and risk [1][2]. - Institutions are encouraged to refine their market positioning, optimize assessment criteria, enhance customer acquisition capabilities, and ensure that core service functions are not outsourced to eliminate profit channels for "black and gray" industries [1][2].

Group 1 - The article highlights a significant case of illegal fundraising in the financial sector, where a group led by Zhou engaged in fraudulent activities under the guise of "debt resolution" by promising to help clients eliminate their debts at a 40% fee [2][3] - The criminal organization utilized multiple affiliated companies to create a facade, leveraging the urgent desire of consumers to resolve their debts, and employed complex service contracts and persuasive scripts to deceive clients [3] - The scheme operated as a Ponzi-like model, where new funds were used to pay off earlier investors, with no actual business activities taking place, resulting in a total of over 9 billion yuan in funds raised from approximately 14,000 clients across 28 provinces [2][3] Group 2 - The article warns consumers to be vigilant against enticing offers such as "no repayment loans" and "100% refund if unsuccessful," urging them to avoid falling for false advertising [4] - It advises consumers to reject prepayment of high fees and to seek resolution through legitimate channels such as negotiation with relevant institutions or reporting to regulatory authorities [5]

Core Viewpoint - The Ministry of Public Security in China has revealed a series of typical cases of illegal fundraising in the financial sector, highlighting the emergence of organized crime in this area, particularly through schemes that promise debt relief at a significant discount. Group 1: Case Details - A case in Zhongshan, Guangdong, involved suspects who, since March 2023, established multiple related companies to conduct illegal fundraising under the guise of "debt relief" services, claiming to have partnerships with asset management firms [1] - The suspects attracted 14,000 clients from 28 provinces, raising over 900 million yuan (approximately 126 million USD) by promising to help clients eliminate their debts for a fee of 40% of the total debt amount [1][2] - The suspects have been charged with fundraising fraud and illegal public deposit acceptance, and the case has been forwarded to the prosecution for further action [1] Group 2: Characteristics of Criminal Activities - The financial sector's "black and gray industry" has developed a complete industrial chain, including false advertising, provision of "counter" tutorials, and negotiation services, often involving professionals familiar with legal regulations [2] - Criminal organizations are characterized by their professional and organized nature, utilizing complex service contracts and persuasive scripts to exploit consumers' urgent desire to resolve their debts [2] - The schemes often operate under the pretense of debt relief but are essentially Ponzi schemes, where new funds are used to pay off earlier investors, with no legitimate business activities taking place [2] Group 3: Consumer Warnings - Consumers are advised to remain vigilant against enticing offers that promise "no repayment loans," "full debt cancellation," or "low-cost rights protection," and to avoid prepaying high fees [3] - It is recommended that consumers seek resolution through legitimate channels such as negotiations with relevant institutions or reporting to regulatory authorities [3]

Core Viewpoint - The Chinese Ministry of Public Security reported significant progress in combating financial-related "black and gray industry" crimes, with over 1,500 cases investigated and nearly 30 billion yuan involved from June to November this year [1]. Group 1: Crime Statistics and Actions - From June to November, over 1,500 financial-related "black and gray industry" criminal cases were filed, with a total amount involved reaching nearly 30 billion yuan [1]. - The Ministry of Public Security, in collaboration with the National Financial Regulatory Administration, initiated a six-month crackdown on financial-related "black and gray industry" crimes across 17 key provinces and cities [1]. - The operation led to the dismantling of over 200 professional criminal groups and nearly 60 organized crackdowns were conducted nationwide [1]. Group 2: Characteristics and Challenges of Financial Crimes - The operational model of financial-related "black and gray industry" crimes has become industrialized, forming a complete chain that includes false advertising, providing "counter" tutorials, and negotiating on behalf of clients [2]. - The personnel involved in these crimes have become professionalized, with some lawyers and collection agency professionals familiar with laws and regulations, contributing to illegal activities [2]. - The methods of committing these crimes have become more concealed, utilizing new technologies and smart generation tools, making detection challenging [3].

Core Viewpoint - The Chinese Ministry of Public Security reported significant progress in combating financial "black and gray" market crimes, with over 1,500 cases investigated and nearly 30 billion RMB involved from June to November this year [1]. Group 1: Crime Statistics and Measures - From June to November, over 1,500 financial "black and gray" market crime cases were filed, with a total amount involved reaching nearly 30 billion RMB [1]. - The Ministry of Public Security and the National Financial Regulatory Administration launched a six-month crackdown on financial "black and gray" market crimes across 17 key provinces and cities [1]. - The operation has led to the dismantling of over 200 professional criminal groups involved in these crimes [1]. Group 2: Characteristics and Challenges of Financial Crimes - The operational model of financial "black and gray" market crimes has become industrialized, forming a complete chain that includes false advertising, providing "counter" tutorials, and creating fake documents [2]. - The personnel involved in these crimes have become professionalized, with some lawyers and collection agency professionals joining "anti-collection" teams, thus facilitating illegal activities [2]. - The methods of committing these crimes have become more covert, utilizing new technologies and intelligent generation tools, making detection challenging [3].

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 operation model of the financial "black and gray industry" has become industrialized, forming a complete chain that includes false advertising, providing counter-tactics, custom scripts, forging false documents, and negotiating on behalf of others [1] - The personnel involved in these activities have become professionalized, with some lawyers and collection agency professionals familiar with laws and regulations, joining "anti-collection" teams driven by profit motives, leading to the emergence of professional complainants and agents [1] - The methods of committing these crimes have become more concealed, utilizing new technologies and intelligent generation tools, making detection and identification increasingly difficult [1] Group 2: Impact and Ongoing Efforts - New forms of "black and gray industry," such as "anti-collection alliances" and "professional debtors," are rapidly expanding in the financial sector, undermining the legitimate interests of financial institutions and creating various illegal activities, thus becoming a significant industry issue affecting financial order [2] - As industry regulation and criminal prosecution deepen, illegal activities in the financial "black and gray industry" are expected to become more concealed and complex [2] - The public security authorities will continue to strengthen collaboration with financial regulatory departments, maintain regular deterrent actions, and actively participate in the governance of illegal financial intermediary industry chaos to contribute to high-quality financial development [2]

国家金融监督管理总局稽查局局长邢桂君表示，金融领域"黑灰产"严重扰乱金融市场秩序，严重损害消 费者合法权益，严重破坏社会信用体系，必须予以严厉打击。金融领域"黑灰产"的坐大成势并非短期形 成，打击治理工作需持续发力、久久为功。经过公安系统和监管系统半年多的努力，金融领域"黑灰 产"蔓延的势头虽有所收敛，但作案手段不断翻新，且愈发隐蔽，治理难度加大。 2026年，金融监管总局将坚持防风险、强监管、促高质量发展工作主线，多措并举持续规范市场秩序， 着力提升强监管严监管质效：一是继续加大打击力度。持续加大对非法贷款中介、非法代理维权等重点 领域的打击力度，保持"公安+监管"联合执法高压态势，全力维护金融市场秩序、保障金融消费者合法 权益。二是加强跨部门工作协同。强化与市场监管、司法部门等行业主管部门的沟通联动，发挥跨部门 执法乘数效应，着力推动金融领域"黑灰产"综合治理。三是推动完善制度机制。研究制定有关违法犯罪 行为的证据移送标准，进一步提升行刑衔接质效。同时，与相关部门开展联合调研，对金融犯罪相关制 度进行专题研究，提出立法建议，共同推动健全金融法治。 北京商报讯（记者 岳品瑜 董晗萱）12月25日，公安部召开 ...

公安部经济犯罪侦查局局长华列兵介绍，今年6月至11月，公安部会同国家金融监管总局部署17个重点 省市开展为期6个月的金融领域"黑灰产"违法犯罪集群打击工作，工作开展以来，全国公安经侦部门先 后组织发起集群打击近60次，共立案查处金融领域"黑灰产"犯罪案件1500余起，打掉职业化犯罪团伙 200余个，涉案金额累计近300亿元，针对集群打击中发现的制度漏洞、金融机构风险治理短板等问题， 累计向主责部门发送"公安经侦建议函"39份，压缩不法中介利用制度漏洞从事违法犯罪活动的空间，有 效净化金融市场生态，全力维护国家金融管理秩序和安全稳定，有力保护金融消费者合法权益。 华列兵提及，在此次两部门联合行动中，特别突出行刑联动、衔接高效，公安部门强化与金融监管部 门、行业清算组织的协作配合，把监管数据、产业数据和警务数据整合汇聚，进一步健全违法犯罪案件 线索跨部门通报机制，有效推动形成行政稽查和刑事打击无缝衔接、一体推进常态化打击整治工作格 局。 南都讯 记者蒋小天 发自北京 12月25日，公安部举行新闻发布会，通报公安部和国家金融监管总局联合 部署开展金融领域"黑灰产"违法犯罪集群打击工作举措成效情况。 国家金融监督管理 ...

南都讯 记者蒋小天 发自北京 12月25日，公安部在京召开专题新闻发布会，通报公安部和国家金融监督 管理总局联合部署开展金融领域"黑灰产"违法犯罪集群打击工作举措成效情况。 2025年8月，内蒙古自治区呼和浩特市公安机关依法立案侦办宋某某等人涉嫌敲诈勒索案。经查，2024 年10月至2025年7月间，犯罪嫌疑人宋某某等人非法获取大量信用卡欠款人信息，随后与信用卡持卡人 签订所谓"委托合作协议"，以"代理人"身份结成反催收敲诈团伙。该团伙通过"设局"故意捏造银行及催 收公司存在违规操作的假象，短期内频繁向金融监管机构发起大量恶意投诉，以此向相关银行和催收公 司施压，达到既帮助持卡人免除信用卡欠款、又借机勒索额外钱财的非法目的，累计敲诈催收公司18.8 万元。目前，宋某某等犯罪嫌疑人已被检察机关批准逮捕，案件正在进一步侦办中。 三、上海师某等人涉嫌合同诈骗案 2025年3月，上海市公安机关依法立案侦办师某等人涉嫌合同诈骗案。经查，2022年3月以来，犯罪嫌疑 人师某以非法占有为目的，与北京某保险代理公司签订《保险业务团队经营协议》《保单续期责任 书》，随后，师某伙同他人在全国各地寻找出资人，利用没有实际投保意图的 ...