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].

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 effective regulation and communication to protect legitimate rights and interests [1][2][4]. Group 1: Current Situation and Risks - Illegal "proxy rights protection" is characterized by misleading claims about new regulations and financial activities, which can deceive consumers and investors [1]. - The prevalence of these scams indicates a significant gap in the effectiveness of formal rights protection channels, which fail to reach those in need [2][3]. Group 2: Regulatory Measures - Effective regulation should not only focus on punitive measures but also address the root causes of these scams, promoting a long-term governance mechanism [1][3]. - There is a need to enhance communication between policies and the market to reduce information asymmetry, which is crucial for preventing the occurrence of illegal "proxy rights protection" [2][3]. Group 3: Systemic Improvements - The establishment of a personal bankruptcy system and credit repair mechanisms is essential to provide individuals with viable options for debt restructuring and recovery [3]. - Introducing collective litigation, burden of proof on the defense, and dispute resolution systems in the financial market will empower consumers and investors to protect their rights effectively [3][4].

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].