Core Viewpoint - The article emphasizes the urgent need to combat illegal "proxy rights protection" practices that exploit vulnerable financial consumers and investors, highlighting the importance of establishing effective regulatory measures and improving legitimate rights protection channels [2][3]. Group 1: Current Situation and Risks - The article outlines the characteristics of illegal "proxy rights protection," including false claims about new regulations and activities by financial institutions, as well as the use of provocative language by unlicensed agents [2]. - It stresses that the crackdown on illegal "proxy rights protection" is crucial to reduce the risk of further victimization for those already in financial distress and to maintain a lawful financial market environment [2]. Group 2: Root Causes and Solutions - The persistence of illegal "proxy rights protection" is attributed to the inadequacies in legitimate rights protection channels, which fail to effectively reach those in need, allowing rumors and fraudulent tactics to thrive [3]. - To effectively curb illegal practices, it is essential to reduce information asymmetry and enhance communication between policies and the market, ensuring that accurate information reaches debtors and investors [3]. Group 3: Structural Improvements - The article calls for the establishment of a personal bankruptcy system and credit repair mechanisms to provide individuals with affordable options for restructuring their financial situations, as current systems are insufficient [4]. - It advocates for the introduction of collective litigation, burden of proof on the defense, and dispute resolution mechanisms in the financial market to empower consumers and ensure equitable negotiations with service providers [4]. Group 4: Conclusion - The article concludes that addressing the shortcomings in the legal protection of financial consumers and improving communication channels will create a more secure financial environment, ultimately diminishing the conditions that allow illegal "proxy rights protection" to flourish [5].

当前打击不法"代理维权"行为，再怎么强调都不为过。这有助于降低陷入财务困局者再次遭遇侵害的风 险，也有助于规范法治化的金融市场环境，降低各种噪声对市场正常秩序的侵害。 当然，有效规制不法"代理维权"行为，在严厉整治、露头就打的同时，也要正视监管他律的一个可能性 边界问题，即信息不对称问题。由于不法欺诈等行为更多来自私有信息，属于典型的内部信息，监管部 门获取的成本相对较高，这导致监管规制更多是以儆效尤的经典案例打击。因此，信息获取成本决定着 监管他律的适用范围，仅靠事后的严厉整治，难以根除其滋生土壤。 代理维权陷阱迎来重拳出击。 6日国家金融监管总局、中央网信办、公安部、中国人民银行、中国证监会发布风险提示，提醒广大群 众警惕不法"代理维权"侵害，依法理性维权。 提示指出，不法"代理维权"短视频、直播乱象存在谎称"监管部门出新政"、谎称"金融机构有活动"、宣 称"专业律师专业维权"及其他煽动性话术等四大特征，金融消费者、投资者勿听信谣言，警惕"代理维 权"骗局，共同守护清朗网络空间。 因此，让可重整个人资产负债表的政策和信息，畅通无阻地直达债务人和投资人，才能有效阻断不 法"代理维权"行为的发生场景，才不会让 ...

Core Viewpoint - The protection system for the legal rights of financial consumers and investors urgently needs improvement, and there is room for enhancement in the communication channels between policy and the market [1][5]. Group 1: Issues with Illegal "Proxy Rights Protection" - Illegal "proxy rights protection" has distinct characteristics, including false claims about new regulations from regulatory bodies, misleading information about financial institutions' activities, and the use of provocative language by so-called "professional lawyers" [2]. - The existence of illegal "proxy rights protection" highlights the inadequacies in formal rights protection channels and the legal rights protection system, which fail to effectively reach those in need [3]. - The first line of defense against illegal "proxy rights protection" is to reduce information asymmetry and improve dialogue between policy and the market to avoid misunderstandings [3]. Group 2: Solutions and Recommendations - The second line of defense involves promoting the restructuring and reconstruction of personal balance sheets based on affordability, as many debtors lack legal, feasible, and transparent debt relief channels [4]. - There is an urgent need to establish a personal bankruptcy system and a personal credit repair system to provide individuals with affordable options for balance sheet repair [4]. - The third line of defense is to provide systematic institutional guarantees for the protection of financial consumers and investors' legal rights, including the introduction of collective litigation, burden of proof for the defense, and dispute resolution mechanisms [4].