Core Viewpoint - The article provides a comprehensive analysis of the definition, common forms, and prevention strategies related to financial black and gray industries, aiming to help consumers strengthen their financial security defenses [4][20]. Group 1: Definition of Financial Black and Gray Industries - Financial black and gray industries refer to activities related to the financial sector that exploit illegal means for profit or operate on the fringes of legality, potentially involving illegal actions such as fraud and money laundering, or violations of regulatory standards [4][20]. Group 2: Common Forms and Classifications - Financial black and gray activities are categorized into two main types: 1. **Abnormal Rights Protection**: This includes illegal agency rights protection, organized debt evasion, malicious complaints, credit record repair, and illegal insurance return agency [5][21][23]. 2. **Financial Fraud**: This encompasses telecom network fraud, loan intermediary fraud, and counterfeit websites and apps that deceive users into revealing account information [8][24][25]. Group 3: Common Tactics in Financial Black and Gray Industries - Common tactics include impersonating financial institutions to steal funds, using fake official channels, phishing websites, and sending scam messages to lure consumers into disclosing sensitive information [10][26][28]. - Illegal agency rights protection often involves false claims of helping debtors reduce or eliminate debts, leading to high fees and subsequent disappearance of the fraudsters [12][29]. - There is a risk of information selling and money laundering, where personal information obtained by illegal agencies may be sold to other criminal organizations, potentially involving victims in further illegal activities [13][30].

Core Insights - The report highlights a significant increase in credit fraud risks in China's financial loan sector for 2025, with malicious fraud incidents rising by 200% compared to 2024, indicating a serious challenge for financial institutions [1][11][16]. Group 1: Overview of Credit Fraud Risks - In 2025, the total monitored financial loan-related public sentiment reached 6.8 million, with malicious loan fraud sentiment accounting for 1.89 million, representing 28% of the total [16][21]. - The top three types of malicious loan fraud in 2025 are corporate loans, credit loans, and housing loans, with public sentiment in these areas showing significant growth [26][27]. - The regions most affected by malicious loan fraud are Guangdong, Sichuan, Shandong, Jiangsu, and Zhejiang, with Guangdong showing the highest risk levels [34]. Group 2: Types of Fraud and Their Trends - The primary types of malicious loan fraud include occupational debt (37%), debt optimization, and credit repair, with occupational debt being the most critical risk type [29][30]. - The risk of credit repair fraud surged dramatically, with a year-on-year increase of 199% in the second half of 2025 compared to the same period in 2024 [38][43]. - The credit fraud industry has developed a clear division of labor, with upstream actors researching vulnerabilities, midstream actors coordinating resources, and downstream actors recruiting clients [49]. Group 3: Industry Response and Regulatory Actions - Financial institutions are continuously upgrading their anti-fraud defense systems in response to the evolving fraud landscape, while regulatory bodies are collaborating with law enforcement to combat black market activities [11][12]. - In 2025, over 200 major black market groups were targeted in crackdown operations, resulting in more than 1,500 criminal cases with a total amount involved nearing 30 billion [11][12].

Core Viewpoint - The article highlights a significant "AB loan" fraud case in Pingdingshan, Henan Province, where a criminal gang exploited financial vulnerabilities under the guise of "business consulting" and engaged in deceptive practices to defraud numerous victims [1][2]. Group 1: Fraud Mechanism - The "AB loan" scheme involves a deceptive process where victims are lured by promises of loans despite poor credit, using "internal green channels" as bait [2][3]. - The gang employs a professional approach, manipulating victims (A parties) to recruit creditworthy friends (B parties) as "credit witnesses," while misleading them about their responsibilities [2][3]. - Once loans are approved, the gang deducts approximately 20% in fees under various pretenses, leaving B parties unaware of their new obligations as primary borrowers [3][4]. Group 2: Legal Implications - The gang's operations are characterized by a lack of legitimate agreements with financial institutions, raising significant legal concerns regarding the validity of their contracts [1][5]. - Legal experts indicate that banks are protected by contracts signed by individuals, making it challenging for B parties to contest their obligations without solid evidence of collusion between banks and the gang [3][5]. - The distinction between legitimate brokerage services and fraudulent activities is crucial, as the gang's actions are classified as criminal fraud rather than mere contractual disputes [5]. Group 3: Law Enforcement Response - In January 2025, law enforcement conducted a large-scale operation, uncovering a network of 22 similar companies involved in the fraud, with total illicit gains exceeding 330 million yuan [4][5]. - The investigation revealed a systematic approach to fraud, including detailed scripts for persuading victims and a complete operational workflow from marketing to financial transactions [4][5]. - Collaborative efforts between police and financial regulatory bodies have been essential in tracing the flow of funds and identifying the fraudulent nature of the operations [5].

Core Viewpoint - The company, Fenqile, has initiated a special governance program in collaboration with law enforcement to dismantle multiple illegal activities related to "shopping cash-out" scams, protecting consumers from falling into fraud traps [1][7]. Group 1: Fraudulent Activities - "Shopping cash-out" scams are defined as illegal activities where black and gray market organizations exploit consumers' urgent need for funds, misleading them into converting their e-commerce platform credit into cash [4][10]. - Scammers often impersonate platform staff, presenting cash-out as a "convenient turnover" option, specifically targeting consumers in financial distress [4][10]. - A case study involving a consumer, Ms. Li from Hubei, illustrates the scam's mechanics, where she lost thousands of yuan after being deceived into providing her account details [4][10]. Group 2: Scale and Impact of Black and Gray Market - The financial black and gray market has grown to a scale exceeding 280 billion yuan, with nearly 8 million individuals involved, creating a highly organized chain of operations from technology development to fund transfer [6][12]. - This organized crime severely infringes on consumer rights and disrupts the financial market order, prompting increased efforts from regulators, police, and companies to combat these activities [6][12]. Group 3: Company Initiatives - Fenqile has actively collaborated with various stakeholders, investing resources to combat financial black and gray market activities, leveraging its parent company Lexin's technological advantages in AI and smart models [6][12]. - Over the past two years, Fenqile has assisted law enforcement in solving nearly 100 related cases and dismantling 25 specialized criminal groups, leading to legal repercussions for over a hundred offenders [6][12]. - The company maintains a "zero tolerance" policy towards financial black and gray market activities and emphasizes the importance of consumer vigilance against fraudulent cash-out claims [6][12].

Core Viewpoint - The rise of financial black and gray industries has created a complete criminal chain that disrupts financial market order, posing serious threats to financial security and consumer rights. In response, Zhongyuan Consumer Finance has enhanced technological empowerment and industry collaboration to assist law enforcement in cracking down on these criminal activities [1]. Group 1: Case Studies and Actions - In February 2025, Zhongyuan Consumer Finance detected suspicious activities related to debt discount scams and reported a company in Guangdong to the police, leading to the arrest of a criminal gang that misled over 14,000 clients and involved more than 900 million yuan [2]. - In December 2024, Zhongyuan Consumer Finance identified a case of malicious complaints where a borrower attempted to extort the company by making unreasonable demands. The company reported the case to the police, which led to the identification of a broader extortion scheme involving multiple financial institutions [3]. - In December 2025, a meeting was held in Shandong to discuss the organized crime led by a group that affected over 40 financial institutions, with the police having arrested 156 suspects and identified over 60 million yuan in illicit funds [4]. Group 2: Strategies and Future Directions - Zhongyuan Consumer Finance is committed to combating financial black and gray industries by leveraging technology for risk identification and response efficiency, while also enhancing collaboration with law enforcement and industry associations [5][6]. - The company plans to deepen its collaboration with police and improve its ability to identify and respond to black and gray industry threats, while also promoting consumer rights protection and awareness [6].

Core Viewpoint - A criminal gang exploited a bank's loan product designed to support small and micro enterprises, resulting in fraudulent loans totaling over 130 million yuan [2][11]. Group 1: Criminal Activities - The criminal group, led by Mao, fabricated false materials to present over 20 individuals as small business owners, securing loans from the bank [2][11]. - The gang managed to defraud the bank of approximately 130 million yuan, with actual losses to the bank estimated at 110 million yuan after repayments [9][12]. - Eight members of the criminal group and 16 "professional borrowers" have been sentenced to prison terms ranging from one year to eleven and a half years, with fines between 20,000 and 300,000 yuan [12]. Group 2: Loan Fraud Mechanism - The scheme involved recruiting individuals with good credit records, such as Cao, who was promised a share of the loan proceeds in exchange for signing documents [3][4]. - The gang used various tactics, including inflating property values and creating fictitious business identities, to secure loans [4][11]. - Mao's group took advantage of a bank's online loan approval process, which lacked thorough verification of the applicants' actual business operations [11]. Group 3: Legal Proceedings and Outcomes - Following a public tip-off, law enforcement initiated an investigation, leading to the arrest of key figures in the fraud [7][8]. - The investigation revealed extensive communication and financial transactions among the gang members, solidifying the case against them [8][10]. - The court proceedings resulted in significant sentences for the main perpetrators, with recommendations made to financial regulatory bodies to enhance oversight and prevent similar frauds in the future [12].

转自：最高人民检察院 骗贷团伙成员李某 得知曹某生活窘迫 主动询问曹某是否有意办理贷款 并承诺只要签个字 就能到手100万元 曹某可以拿到其中的三成 面对高额回报 曹某心动了 …… 为助力小微企业发展，某银行量身定制推出了一种专项贷款产品。不料，这一惠企产品却被一群不法分子钻了空子。以毛某为首的"黑中介"犯罪团伙通过 捏造虚假材料，将20多名没有还款能力的"职业背贷人"包装成小微企业主后，向银行申请这种专项贷款，累计骗取银行贷款1300余万元。 经江苏省沭阳县检察院提起公诉，截至2025年12月25日，已有8名"黑中介"和16名"职业背贷人"被法院判处有期徒刑十一年六个月至一年不等，各并处罚 金30万元到2万元不等。该案中，其余7名涉案人员案件正在进一步审理中。 关关造假，层层包装 36岁的曹某是20余名"职业背贷人"中的一员。 2022年10月，在江苏南京打工的曹某，偶遇老乡李某。彼时，作为骗贷团伙成员的李某为扩大"业务"，正在全国各地物色征信记录良好的对象，发展骗 贷"工具人"。得知曹某生活窘迫，李某便主动询问曹某是否有意办理贷款，并承诺："只要签个字，最快一个月最多半年，就能到手100万元，你可以拿到 ...

2025年4月10日，江苏省沭阳县检察院组织召开检察官联席会议讨论案情。 ◆为支持小微企业纾困解难，某银行为小微企业量身定制了一种专项贷款产品，可以选择"先息后本"的 还款方式，不仅利息较低，而且贷款条件也低。 ◆犯罪团伙形成了"选择贷款主体、包装背贷人、申请贷款、分赃、贷后管理"的链条化作案模式。 ◆2022年至2024年间，毛某"包装"了20余名"职业背贷人"，骗取金融机构贷款1300余万元，其中，代为 偿还200余万元，造成银行实际损失1100余万元。 为助力小微企业发展，某银行量身定制推出了一种专项贷款产品。不料，这一惠企产品却被一群不法分 子钻了空子。以毛某为首的"黑中介"犯罪团伙通过捏造虚假材料，将20多名没有还款能力的"职业背贷 人"包装成小微企业主后，向银行申请这种专项贷款，累计骗取银行贷款1300余万元。 经江苏省沭阳县检察院提起公诉，截至2025年12月25日，已有8名"黑中介"和16名"职业背贷人"被法院 判处有期徒刑十一年六个月至一年不等，各并处罚金30万元到2万元不等。该案中，其余7名涉案人员案 件正在进一步审理中。 关关造假，层层包装 36岁的曹某是20余名"职业背贷人"中的一员。 ...

国家金融监督管理总局和公安部在日前举行的新闻发布会上表示，2025年6月至11月，公安部会同金融 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。工作开展以来，共 立案查处金融领域"黑灰产"犯罪案件1500余起，涉案金额累计近300亿元，有效净化了金融市场生态。 近年来，金融领域的消费纠纷较为突出，滋生了非法贷款中介等乱象，并借助互联网快速蔓延，已形成 完整的黑灰产业链，严重侵害金融消费者合法权益，扰乱金融市场正常秩序。 素喜智研高级研究员苏筱芮表示，目前贷款领域金融"黑灰产"的操作手段和套路通常有以下3类：一是 在社交平台上以"代理维权""征信修复"等为名对债务人实施欺骗；二是不法贷款中介包装"职业背债 人"，伪造身份和流水材料实施骗贷；三是不法分子利用AI换脸、仿冒APP、虚假交易平台等技术手段 实施欺诈。 在互联网经济浪潮下，金融"黑灰产"依托平台进行市场营销和规模扩张，呈现出链条化、批量化等特 点。"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 不断翻新且愈加隐蔽。"国家金融监督管理总局稽查局局长邢桂君表示。 面对这一严峻形势，消 ...

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows eligible individuals to have overdue information not displayed in the financial credit information database, leading to potential scams by fraudsters posing as financial institutions offering credit repair services [1][7]. Group 1: Policy Overview - The new credit repair policy is automatic, meaning individuals do not need to apply; the central bank's credit system will identify and adjust eligible overdue information automatically [2][8]. - The policy applies to all institutions connected to the central bank's credit system, covering overdue information from personal loans on lending platforms if the lender is connected to the system [2][8]. - Specific conditions for overdue information to qualify for repair include: 1) the overdue occurred between January 1, 2020, and December 31, 2025; 2) the overdue amount does not exceed 10,000 RMB; 3) the overdue debt must be fully repaid by March 31, 2026 [2][8]. Group 2: Fraud Risks - Fraudsters have exploited the new policy, creating scams that mislead individuals unfamiliar with the rules, claiming to offer credit repair services for a fee [2][8]. - Three main types of scams related to credit repair have been identified: 1) falsely claiming to apply for credit repair for a fee; 2) fabricating internal documents to suggest additional conditions for the policy; 3) inducing consumers to engage in "debt rollover" schemes, leading to higher debt costs [2][8]. Group 3: Company Initiatives - The company has been actively collaborating with regulatory bodies and law enforcement to combat financial fraud related to credit repair and other gray market activities [5][11]. - Utilizing technological advantages in AI and smart models, the company has established a mechanism for sharing leads and conducting joint investigations with police, resulting in the resolution of nearly 100 cases and the dismantling of 25 organized crime groups over the past two years [5][11]. - The company emphasizes the importance of protecting personal information and advises users to avoid engaging with suspicious communications regarding credit repair [5][11].