经济观察网12月8日，广东银行同业公会发布消息称，中邮消费金融有限公司于2025年全面启动打击金 融领域"黑灰产"违法犯罪专项行动。今年下半年以来，公司已成功识别并确认相关违规信息3000余条， 推动平台下架处置超过2000条，并通过数据模型精准预警中介包装、有组织骗贷等可疑行为，有效维护 金融秩序与消费者权益。在内部风险识别层面，中邮消费金融深度聚焦"进件地域集中""客户特征集 中""申请设备信息集中"等六个集中异常特征，通过数据模型精准识别和预警中介团伙包装、有组织骗 贷等可疑行为。 ...

"您的快递在运输中损坏，可通过以下方式申请全额理赔……"2025年夏天时，河南市民张鹏(化名)接到 这样一通"物流公司客服"电话，在随后的沟通中，对方准确报出他的收货信息、商品型号，让他深信不 疑。按照指引添加专属理赔平台后，张鹏在对方"指导"下完成多笔"验证转账"。等到他察觉不对时，银 行账户46万元已不翼而飞。 技术破局：用AI对抗AI，一场"魔高一尺"的竞速 山东案件的侦破，只是冰山一角。当前，金融黑灰产已从跨境诈骗、非法代理维权，延伸到"职业背 债"和AI换脸诈骗等多种形态，成为威胁金融稳定与消费者权益的一大"毒瘤"。数据显示，2025年一季 度其市场规模已突破2800亿元。它们不再是散兵游勇，而是拥有专业话术、精通法律漏洞，甚至熟练运 用AI技术的"军团作战"。 据公安部与国家金融监督管理总局2025年联合部署的集群打击工作披露，当前金融黑灰产已形成两大核 心业态：一类是以贷款中介欺诈为代表的金融诈骗，另一类则涵盖非法代理维权、反催收、有组织逃废 债、征信修复等在内的异常维权，且已形成"引流获客-虚假指导-非法获利"的完整产业化链条。 更值得警惕的是，随着数字技术的发展，金融黑灰产的作案手段正不断迭 ...

Core Insights - The financial black and gray market has shifted from traditional scams to algorithm-driven targeting of high-education and high-income groups, utilizing professional personas and AI-generated fake materials to lure victims with offers like "low-interest loans" and "debt negotiation" [1][2][5] Group 1: Evolving Scam Tactics - Current scams are no longer broad and indiscriminate but are now packaged to appear compliant and professional, making them more deceptive [2] - Scammers create fake investment research reports and impersonate financial experts to mislead victims on social media platforms [2][4] - The use of AI has significantly lowered the barrier for creating fake materials, allowing for rapid dissemination across multiple platforms [2][5] Group 2: Payment Schemes and Customer Interaction - Scammers offer various financial solutions with hidden fees, such as debt restructuring, charging between 6,000 to 8,000 yuan for services that promise to reduce interest payments [3][4] - Customer service representatives often downplay the fees, suggesting they are minimal compared to potential interest savings, and emphasize the legitimacy of their operations [3][4] Group 3: Regulatory and Institutional Responses - Regulatory bodies are actively conducting special operations to combat these scams, with significant actions taken against illegal financial intermediaries and fraudulent activities [8][9] - Companies like Qifu Technology and Xinye Technology are enhancing their anti-fraud technologies, implementing systems for fraud detection and case handling [6][7] - Collaborative efforts among various internet companies and regulatory agencies aim to establish a unified governance framework to combat financial misinformation and scams [9]

Core Viewpoint - The article discusses a significant crackdown on fraudulent insurance claims in the financial sector, particularly focusing on a large-scale insurance fraud case involving luxury vehicles in Shanghai, with over 80 suspects arrested and an estimated fraud amount exceeding 100 million yuan [2][14]. Group 1: Fraudulent Activities - A criminal gang was discovered to be orchestrating a large-scale insurance fraud scheme by purchasing second-hand luxury cars through loans and deliberately causing traffic accidents to claim high insurance payouts [5][13]. - The gang employed "drivers" to create accidents, specifically targeting large vehicles to ensure significant damage to the luxury cars involved [6][13]. - The investigation revealed that the gang utilized a network of intermediaries to facilitate the fraud, with some individuals posing as car owners to file claims [4][11]. Group 2: Mechanisms of Fraud - The fraud involved a two-step process: first, the intentional creation of accidents, followed by a second phase where the vehicles were taken to a so-called "repair shop" that was actually a front for further fraud [8][10]. - The "repair shop" staff were not skilled in actual car repairs but were adept at dismantling vehicles to exaggerate damage and inflate insurance claims [10][12]. - The gang also engaged in malicious activities to pressure insurance companies into paying claims, including harassment and threats [12][13]. Group 3: Law Enforcement Response - The Shanghai police, in collaboration with financial regulatory authorities, initiated a special operation to combat financial crimes, leading to the arrest of over 80 suspects involved in the fraud [2][14]. - The investigation uncovered that the three interconnected criminal groups had been operating since 2020, with the total amount involved in fraudulent claims exceeding 100 million yuan [14]. - Law enforcement officials emphasized the need to address such organized crime in the financial sector to protect the integrity of insurance companies and the broader industry [13][14].

Core Viewpoint - The article highlights a significant crackdown on fraudulent insurance claims in Shanghai, revealing a complex network of criminal activities involving multiple gangs that exploit the insurance system through staged accidents and inflated claims [1][9]. Group 1: Criminal Activities - A major insurance fraud case was uncovered, involving over 80 suspects who staged traffic accidents to claim insurance payouts exceeding 100 million yuan [1][11]. - The criminal gang purchased second-hand luxury cars through financing and then hired "drivers" to deliberately cause accidents, targeting high-value vehicles for maximum insurance claims [2][9]. - The gang utilized a method of "precision collision," selecting sturdy vehicles like trucks or SUVs to ensure significant damage to the luxury cars involved [3][9]. Group 2: Fraudulent Processes - The investigation revealed a two-step process where the first gang staged the accidents, and a second gang, posing as a repair shop, would further damage the vehicles to inflate repair costs [5][6]. - The so-called "repair shop" employees were skilled in dismantling vehicles rather than repairing them, focusing on maximizing the insurance claims by creating the appearance of extensive damage [7][9]. - A third gang, known for aggressive tactics, would pressure insurance companies into paying claims by threatening and harassing them, often refusing to allow for further inspections [8][9]. Group 3: Law Enforcement Response - The Shanghai police conducted multiple operations from May to November, resulting in the arrest of over 80 individuals involved in the fraud scheme [11]. - The total amount involved in fraudulent claims since 2020 has exceeded 100 million yuan, indicating a significant impact on the insurance industry [11]. - Authorities emphasized the need to combat such financial crimes to protect the integrity of the insurance sector and prevent further exploitation [10].

Core Viewpoint - The article highlights a significant crackdown on fraudulent insurance claims in the automotive sector, particularly focusing on a large-scale organized crime operation involving fake car accidents to claim high insurance payouts [1][10]. Group 1: Criminal Activities - A major insurance fraud scheme was uncovered in Shanghai, involving over 80 suspects who created fake traffic accidents to claim insurance money, with the total amount involved exceeding 1 billion yuan [1][10]. - The criminal gang purchased second-hand luxury cars through financing and then hired "drivers" to deliberately cause accidents, targeting high-value vehicles to maximize insurance claims [2][9]. - The gang employed a method of "precision collisions," selecting sturdy vehicles like trucks or SUVs to ensure significant damage to the luxury cars while maintaining their own safety [3][9]. Group 2: Fraudulent Operations - The investigation revealed a secondary group posing as an auto repair shop that manipulated vehicle conditions to inflate damage claims, often causing further damage to high-value parts to achieve a total loss status [4][5][6]. - This "repair shop" did not perform actual repairs but instead served as a staging area for vehicles awaiting insurance assessments, with employees skilled in dismantling rather than repairing [6][9]. - A third group, known as the "malicious claims group," pressured insurance companies through harassment and threats to ensure payouts, often refusing to allow for re-evaluations of claims [7][8][9]. Group 3: Law Enforcement Response - From May to November, law enforcement conducted multiple operations leading to the arrest of over 80 individuals involved in the fraud scheme, with 17 suspects formally charged with various crimes including insurance fraud [10]. - The organized crime operation was described as an ecosystem within the financial black and gray market, posing significant risks to the insurance industry and requiring ongoing vigilance and enforcement [9][10].

Core Viewpoint - The Ministry of Public Security and the Financial Regulatory Administration have launched a special operation to combat illegal activities in the financial sector, focusing on insurance fraud, leading to the dismantling of a major insurance fraud ring in Shanghai involving over 80 suspects and more than 100 million yuan in claims [1][16]. Group 1: Fraud Scheme Overview - A significant insurance fraud case was uncovered in Shanghai, where a gang purchased second-hand luxury cars through loans and staged traffic accidents to claim high insurance payouts [1][2]. - The fraud involved a network of intermediaries who would approach insurance companies to claim compensation on behalf of car owners, often not the actual owners [2][4]. Group 2: Methodology of the Fraud - The gang employed "drivers" to deliberately cause accidents, primarily targeting large vehicles to ensure significant damage to the luxury cars [5][7]. - The fraudsters would select accident locations and times to maximize the chances of being deemed at fault, often using low-speed collisions to ensure safety while inflicting severe damage [8][9]. Group 3: Role of Repair Shops - A separate group operated under the guise of an auto repair shop, which would assess damaged vehicles and intentionally cause further damage to increase the insurance claims [9][10]. - This "repair shop" did not perform actual repairs but focused on dismantling vehicles to create conditions for higher insurance payouts [11][12]. Group 4: Intimidation Tactics - The fraud ring included an "extortion group" that would threaten insurance companies to force them into paying claims, often using aggressive tactics such as loudspeakers and harassment [13][14]. - This group would not allow insurance companies to conduct secondary inspections, further complicating the claims process [14]. Group 5: Law Enforcement Action - From May to November, Shanghai police conducted multiple operations, resulting in the arrest of over 80 suspects involved in the fraud, with the total amount of fraudulent claims exceeding 100 million yuan since 2020 [16].

Group 1 - The core issue highlighted is the illegal practices in the loan assistance and insurance sectors, where criminal groups exploit vulnerable individuals through fraudulent "rights protection" services and "insurance refund" schemes [1][3][5] - A recent court ruling in Shanghai has classified the actions of a criminal gang as extortion rather than fraud, marking a significant legal precedent in addressing illegal rights protection activities in the loan industry [3][4] - The criminal gang led by Zeng Moupeng was found to have illegally obtained personal information and used coercive tactics to extort financial institutions, resulting in significant financial losses [3][6] Group 2 - In the insurance sector, a similar case involved a gang that created false advertisements for full insurance refunds, charging clients fees while systematically fabricating evidence to pressure insurance companies [5][6] - The court recognized the involvement of ordinary policyholders in the criminal activities, establishing that anyone participating in evidence fabrication and coercive complaints could be held criminally liable [5][6] - The tactics employed by these criminal organizations specifically target financially vulnerable groups, such as the elderly and individuals with poor credit histories, exploiting their lack of financial knowledge [8][9] Group 3 - Common scams related to credit repair include fabricating credit issues, charging high fees for unfulfilled promises, and misleading individuals into believing they can learn credit repair techniques through fraudulent training programs [9][10] - The Ministry of Public Security has clarified that any claims of paid credit repair services are fraudulent, emphasizing that no entity has the authority to alter accurate credit records [10]

Core Viewpoint - The article discusses the rise of illegal debt relief organizations that exploit overdue clients under the guise of "debt optimization" and "credit repair," transitioning from being classified as "fraud" to "extortion" in judicial terms, indicating a significant shift in legal recognition and enforcement against financial black and gray industries [1][3][4]. Group 1: Legal Developments - Recent court rulings have classified the actions of these organizations as extortion, marking a shift in legal interpretation from fraud to extortion, which allows for harsher penalties [3][6]. - A specific case in Shanghai involved a group that collected overdue client information and charged high fees for their "rights protection" services, leading to significant financial losses for financial institutions [4][6]. - The legal framework now targets the entire chain of illegal activities, focusing on both the deception of clients and the coercion of financial institutions [6][8]. Group 2: Financial Impact - The illegal activities of these organizations have resulted in substantial financial losses for financial institutions, with one case leading to over 2 million yuan in damages [4][7]. - The operational model of these organizations involves a cycle of complaints and pressure tactics, which increases operational costs for financial institutions and disrupts market order [6][7]. Group 3: Regulatory Response - A coordinated effort between judicial and regulatory bodies is underway to combat the rise of financial black and gray industries, with initiatives launched to strengthen enforcement and oversight [5][8]. - The use of technology in monitoring and identifying malicious complaints is becoming a key strategy for financial regulators [7][8]. - Recent statistics indicate significant progress in tackling these issues, with numerous cases being prosecuted and substantial amounts of money involved [8].

Core Viewpoint - The rise of illegal debt optimization and rights protection organizations has led to a significant shift in judicial recognition from "fraud" to "extortion," indicating a new phase in the crackdown on financial black and gray industries [1][2][3] Group 1: Nature of Illegal Activities - These organizations operate under the guise of helping overdue clients reduce debts but engage in coercive tactics against financial institutions, including forgery and malicious complaints, to extract profits [1][2] - A recent case revealed a gang that, since 2022, used purchased overdue customer information to lure clients into paying for their "rights protection" services, resulting in illegal gains exceeding one million yuan [2][3] Group 2: Legal and Judicial Developments - The judicial system has begun to classify the actions of these organizations as extortion, which carries heavier penalties compared to fraud, thus increasing the legal risks for offenders [3][4] - The shift in legal classification allows for a comprehensive crackdown on the entire criminal chain, targeting both the deception of clients and the coercion of financial institutions [3][4] Group 3: Impact on Financial Institutions - The illegal activities have raised operational costs for financial institutions and disrupted the normal regulatory environment, leading to broader implications for social credit systems [5][6] - The involvement of personal information violations is prevalent, as criminals require sensitive data to execute their schemes, which can lead to further criminal activities such as fraud and money laundering [5] Group 4: Collaborative Governance Efforts - A multi-departmental approach is being implemented to combat the black and gray financial industries, with law enforcement and regulatory bodies working together to enhance legal enforcement and administrative oversight [5][6] - Recent initiatives include the establishment of risk models using technology to identify and warn against malicious complaints, demonstrating a proactive stance in regulatory measures [5][6] Group 5: Achievements in Law Enforcement - Significant progress has been made in various regions, with numerous cases being prosecuted and substantial amounts of money involved, indicating a strong legal deterrent against these illegal activities [6]