Core Viewpoint - The financial sector is facing challenges from emerging black and gray industries, prompting a collaborative initiative to combat these issues and enhance financial risk prevention and governance [1][3]. Group 1: Financial Black and Gray Industries - Financial black and gray industries refer to illegal or borderline legal activities in the financial sector that generate improper benefits, including improper debt collection, illegal loan mediation, malicious debt evasion, and fraudulent credit repair [1]. - These industries are expanding rapidly, leveraging media platforms for marketing and exhibiting characteristics such as chain-like operations, cross-regional activities, bulk operations, and concealment [1][3]. Group 2: Challenges in Governance - Current governance efforts face challenges such as a lack of collaborative mechanisms, ambiguous legal standards, and insufficient punitive measures [3]. - The initiative aims to address these challenges by fostering a comprehensive prevention and control system to mitigate systemic financial risks [4]. Group 3: Joint Initiative Proposals - The initiative includes several proposals: 1. **Information Sharing**: Enhance collaboration in financial risk prevention through information sharing for pre-warning, rapid response, and precise post-event actions [4]. 2. **Mechanism Improvement**: Establish a risk monitoring mechanism and encourage financial institutions to report high-risk information proactively [4]. 3. **Rights Protection**: Develop standards for handling complaints and ensure quick resolution of legitimate claims while preventing malicious complaints [4]. 4. **Accountability**: Clarify the responsibilities of platforms regarding the verification of entities, information dissemination, and risk event management [4][5]. 5. **Multi-Party Interaction**: Create regular interaction mechanisms among regulatory bodies, judicial authorities, and academic institutions to conduct joint legal research on emerging black and gray industries [5].

Core Viewpoint - The financial industry is undergoing unprecedented transformation due to the deep integration of technologies such as artificial intelligence, big data, and blockchain, while also facing increased complexity and risks associated with financial crimes [1][3]. Group 1: Financial Risk and Crime Trends - The shift from passive response to proactive shaping in legal supervision is emphasized, with a focus on leveraging digital empowerment to enhance financial risk prevention and collaborative governance [3]. - The Beijing Financial Regulatory Bureau and the Beijing People's Procuratorate released a joint initiative to combat financial black and gray industries, aiming to block their internet dissemination channels and create a nationwide anti-black industry atmosphere [1][6]. - The "Financial Prosecution White Paper" was published, detailing trends in financial crimes such as illegal fundraising, money laundering, and securities fraud, highlighting a decrease in illegal fundraising cases but an increase in online and cross-border financial crimes [4][5]. Group 2: Measures to Combat Financial Black and Gray Industries - The joint initiative proposes several measures, including enhancing information sharing, improving risk monitoring mechanisms, and ensuring timely reporting of high-risk information by financial institutions [6][7]. - It emphasizes the need for consumer rights protection, establishing standards for complaint handling, and ensuring quick resolution of legitimate claims while preventing malicious complaints [7]. - The initiative also calls for public education on financial knowledge to enhance the public's ability to identify and combat financial black and gray industries, aiming to reduce their survival space from the source [7].

Core Viewpoint - The financial industry is undergoing unprecedented transformation due to the deep integration of technologies such as artificial intelligence, big data, and blockchain, while also facing increased complexity and hidden risks associated with financial crimes [1][3]. Group 1: Financial Crime Trends - The number of illegal fundraising cases is showing a positive downward trend, but methods are evolving with a dual online and offline approach, increasing involvement from high-net-worth individuals [4][5]. - Money laundering is increasingly penetrating new sectors like digital payments and virtual currencies, with organized crime groups becoming more active [4]. - Securities and futures crimes are characterized by specialization and collaboration, raising concerns about the involvement of intermediary institutions in financial fraud [4][5]. Group 2: Legal and Regulatory Responses - Legal supervision is shifting from passive responses to proactive measures, leveraging digital technologies to enhance financial risk prevention and governance [3]. - The Beijing Financial Regulatory Bureau, in collaboration with the Beijing People's Procuratorate and China University of Political Science and Law, issued a joint initiative to combat financial black and gray industries, emphasizing the need for a collaborative approach to governance [7][8]. Group 3: Recommendations and Initiatives - The joint initiative proposes several measures, including enhancing information sharing among financial institutions, improving risk monitoring mechanisms, and ensuring consumer rights protection [7][8]. - It emphasizes the importance of public education on financial knowledge to build a collective resistance against financial black and gray industries [8].

Core Viewpoint - The joint initiative aims to combat financial black and gray industries, enhance information sharing, and establish a comprehensive prevention system to mitigate systemic financial risks [1][2][3] Group 1: Initiative Details - The initiative emphasizes the need for collaborative information sharing to improve risk prevention and response efficiency [2] - It calls for the establishment of a robust mechanism for risk monitoring and reporting by financial institutions [2] - The initiative seeks to standardize consumer rights protection and ensure quick resolution of legitimate complaints [2] Group 2: Responsibilities and Education - It stresses the importance of holding platforms accountable for verifying the qualifications of their participants and managing risk events [2][3] - The initiative promotes the establishment of regular interaction mechanisms among regulatory bodies, legal institutions, and academic organizations to enhance legal research on emerging black and gray industries [3] - It advocates for public education on financial knowledge to improve awareness and reduce the prevalence of black and gray industries [3]

Core Viewpoint - The joint initiative aims to combat the spread of financial black and gray industries, which pose significant threats to the rights of individuals and financial institutions, as well as to the overall financial market order and security [1] Group 1: Initiative Details - The initiative was released by the Beijing Financial Regulatory Bureau, the Beijing Procuratorate, and China University of Political Science and Law on October 28, 2025 [1] - It emphasizes the need for collaborative information sharing, mechanism improvement, rights protection standardization, and responsibility enforcement among multiple parties [1] - The goal is to create a safe, credible financial ecosystem and establish a comprehensive prevention and control system against financial black and gray industries [1] Group 2: Challenges in the Financial Sector - The financial sector is currently facing severe challenges from the proliferation of financial black and gray industries, which are described as a "tumor" hidden within the financial system [1] - These industries not only harm the legitimate rights of the public and financial institutions but also threaten the order of financial markets and the security of financial defenses [1] Group 3: Definition and Impact of Financial Black and Gray Industries - Financial black and gray industries refer to emerging business practices that obtain improper benefits in the financial sector through illegal or technically legal means [1] - Key activities include improper debt collection, illegal loan mediation, malicious debt evasion, illegal insurance claims processing, fraudulent credit repair, and illegal stock recommendations, all of which disrupt financial management order and endanger public property safety [1]

Core Viewpoint - The "Joint Initiative" aims to combat financial black and gray industries by promoting collaborative governance, enhancing information sharing, and establishing a comprehensive prevention system to mitigate systemic financial risks [1][2]. Group 1: Challenges in Governance - Financial black and gray industries face multi-dimensional challenges, including the need for improved collaborative mechanisms and information sharing, as well as the difficulty in identifying and controlling hidden risks [2][3]. - Legal standards for financial black and gray industries are ambiguous, leading to inconsistent judicial standards and complicating governance efforts [2]. - The lack of sufficient punitive measures results in an imbalance between the costs and benefits of illegal activities, making effective deterrence difficult [2][3]. Group 2: Proposed Measures - The initiative emphasizes the importance of collaborative information sharing to enhance risk prevention and response capabilities across the entire process [2][3]. - It calls for the establishment of a robust risk monitoring mechanism, requiring financial institutions to report high-risk information proactively [3]. - The initiative seeks to standardize consumer rights protection and ensure quick resolution of legitimate complaints while preventing malicious claims [3]. Group 3: Responsibilities and Education - Platforms are urged to take responsibility for verifying the qualifications of their participants and managing risk events effectively to prevent the spread of black and gray industries [3]. - The initiative promotes the establishment of regular interactions among regulatory bodies, legal institutions, and academic organizations to enhance legal research and application [3]. - Public education campaigns are to be conducted to improve financial literacy and awareness, thereby reducing the space for black and gray industries to thrive [4].

Core Viewpoint - The financial sector is facing severe challenges from the proliferation of black and gray industries, which threaten the legitimate rights of individuals and financial institutions, as well as the order and security of financial markets [1] Group 1: Characteristics of Financial Black and Gray Industries - The financial black and gray industries exhibit four main characteristics: chain-like structure, cross-regional operations, batch processing, and concealment [2][3] - Chain-like structure involves clear division of labor across various stages, from marketing to illegal profit-making, creating a complete chain of "customer acquisition - traffic generation - implementation - profit sharing" [2] - Cross-regional operations leverage online channels to break geographical limitations, allowing illegal activities to span across multiple regions [2] - Batch processing utilizes standardized templates and processes, making the models easy to replicate [2] - Concealment is achieved through disguising illegal activities under various titles, such as "rights protection consultant" or "debt planner," to mislead the public and evade legal scrutiny [3] Group 2: Challenges in Governance - Governance of financial black and gray industries faces multi-dimensional challenges, including the need for improved collaborative mechanisms, legal standards, enforcement intensity, and platform governance [3] - The collaborative governance system across regions and sectors is still underdeveloped, and information sharing mechanisms are not sufficiently effective [3] - Some behaviors exist in legal gray areas, leading to inconsistent judicial standards and increased governance difficulties [3] - The cost of illegal activities is disproportionately low compared to the potential gains, with some actions not classified as criminal offenses or facing weak penalties [3] Group 3: Joint Initiative for Governance - A joint initiative was launched by the Beijing People's Procuratorate, the Beijing Financial Regulatory Bureau, and China University of Political Science and Law to combat financial black and gray industries [4][5] - The initiative emphasizes the need for collaborative information sharing to enhance risk prevention and response capabilities [5] - It calls for the establishment of a comprehensive mechanism for risk monitoring and the active reporting of high-risk information by financial institutions [6] - The initiative also aims to standardize complaint handling processes and ensure rapid resolution of legitimate claims while preventing malicious complaints [6] Group 4: Public Awareness and Education - The initiative includes plans to enhance public awareness and education through campaigns like "Financial Knowledge Popularization Month" to improve the public's ability to identify and resist black and gray industries [7]

Core Insights - Money laundering crimes are increasingly infiltrating new fields such as digital payments, securities trading, and virtual currencies, with organized and professional laundering groups becoming more active [1][2] - The Beijing People's Procuratorate reported handling 1,971 financial cases involving 3,360 individuals from October 2024 to September 2025, focusing on illegal fundraising, money laundering, and financial fraud [1][2] Group 1: Trends in Financial Crimes - The total number of illegal fundraising cases is showing a positive downward trend, but methods are evolving with a dual-track return of online and offline tactics, particularly affecting high-net-worth individuals [1] - Financial crimes in illegal business operations, such as stock recommendations and foreign exchange, are continuously innovating, leveraging new media for increased concealment and dissemination [1][2] Group 2: Specialized Criminal Activities - Securities and futures crimes exhibit clear characteristics of specialization, organization, and chain-like operations, with a notable involvement of intermediary institutions in financial fraud [2] - In the credit sector, credit card fraud is shifting from traditional malicious overdrafts to technological theft, with illegal credit intermediaries showing signs of industrialization and cross-regional expansion [2] Group 3: Collaborative Initiatives - A joint initiative was launched by the Beijing People's Procuratorate, Beijing Financial Regulatory Bureau, and China University of Political Science and Law to combat financial black and gray industries, emphasizing the establishment of a regular interaction mechanism among regulatory bodies, procuratorial agencies, and academic institutions [2]

倡议书指出，在互联网经济浪潮下，金融黑灰产广泛依托流媒体平台进行市场营销和规模扩张，呈现出 链条化、跨地域化、批量化、隐蔽化等特点。 一是链条化。各个环节分工明确，从营销推广到违法获利紧密衔接，形成"获客-引流-实施-分利"完整链 条。如不法代理维权中介先通过网络平台"引流"，再伪造材料向金融机构施压，然后获得不法收益并向 消费者收取高额佣金。如不法贷款中介由网络平台引流，到伪造银行流水、申贷资质等材料，再到骗取 贷款，瓜分资金，环环相扣。 10月28日，在"数智化时代下的金融风险防控与协同治理"2025金融街论坛年会平行论坛上，北京市人民 检察院、北京金融监管局、中国政法大学联合发布了《关于打击治理金融黑灰产的联合倡议书》（下 称"倡议书"）。 金融黑灰产，即金融领域黑灰产业，指在金融领域以违法或者形式上不违法的方式获取不当利益的新兴 业态。主要涉及不正当反催收、不法贷款中介、恶意逃废债、非法办理退保理赔、虚假征信修复、非法 荐股等破坏金融管理秩序和侵害人民财产安全的行为。 倡议书指出，金融安全是国家安全的重要组成部分，是经济平稳健康发展的重要基础。维护金融安全， 是关系我国经济社会发展全局的一件带有战略性 ...

当你在商场爽快刷卡付款，或是躺在家里用手机完成线上支付时，不知有一双"黑手"正通过网络漏洞悄 悄盯上你银行卡里的资金。 "金融黑灰产"从不是遥不可及的行业术语，它时时刻刻都隐匿在人们的日常生活中，或是伪装成一条银 行短信通知，或是一个"代办高额度信用卡"的弹窗，甚至会利用人们随手丢弃在垃圾桶里的交易小票窃 取信息。无论是通过POS机盗刷、银行卡信息批量贩卖，还是利用虚拟货币转移盗取资金，黑灰产早已 形成一条分工明确的产业链，而持卡人的每一个用卡习惯，都可能成为他们伺机钻取漏洞、突破防线 的"突破口"。 黑灰产盯上银行卡 先钻"用卡漏洞" 很多人可能尚未意识到，随意处置交易凭条、在非授权平台绑定卡片信息，都可能成为黑灰产业链的重 要"生产资料"。他们通过伪造银行卡、窃取支付验证码、搭建虚假支付通道等手段，将你的卡片变 成"提款机"。 秘诀一：善用交易监测服务，第一时间识破异常。 黑灰产盗刷往往具有"快、准、隐"的特点，且常在人们毫不知情的情况下，几分钟内完成多笔交易。因 此，及时发现异常交易是防范盗刷的第一道关口。 以交通银行信用卡"用卡无忧尊享版"服务为例，该服务提供实时短信提醒，如发生交易会立即通知持卡 人 ...