Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy to provide a legitimate and free channel for credit-damaged individuals, but fraudulent activities disguised as "credit repair" are on the rise, exploiting the anxiety of affected individuals [1][2]. Group 1: Fraudulent Activities - Fraudsters target credit-damaged individuals by using their anxiety to conduct targeted scams, often claiming to have official backgrounds and the ability to repair credit for a fee [1][2]. - In a recent case, an individual was sentenced to 10 months in prison for defrauding victims under the pretense of helping them eliminate credit issues, highlighting the prevalence of such scams [2]. - Scammers utilize various online platforms to disguise their activities, avoiding sensitive terms related to credit repair and instead using euphemisms like "credit consultation" and "debt reduction" [2][3]. Group 2: Methods of Operation - Fraudsters employ a "multi-platform jump" strategy to attract victims, initially posting vague information online before directing them to private messaging platforms for detailed scam proposals [2][3]. - Some loan intermediaries exploit the credit approval rules of financial institutions, turning credit-damaged individuals into tools for fraud by encouraging them to seek third-party guarantors for loans [3]. - A case involved an individual who tricked a victim into taking out a loan under false pretenses, resulting in significant financial loss for the victim, which underscores the need for public awareness of such scams [3]. Group 3: Recommendations and Prevention - It is suggested that financial institutions enhance public awareness of credit repair scams by sharing real case studies and improving the promotion of official channels for credit consultation and dispute applications [3]. - Establishing a collaborative governance system to address credit-related fraud and creating a mechanism for information sharing can help in early detection and prevention of such risks [3].

专题：北京公募基金高质量发展系列活动 新时代、新基金、新价值 编者按：9月8日，在北京证监局指导下，北京证券业协会携手北京公募基金管理人、基金销售机 构、基金评价机构及多家主流媒体，共同启动"北京公募基金高质量发展系列活动"。活动以"新时代·新 基金·新价值——北京公募基金高质量发展在行动"为主题，旨在贯彻落实《推动公募基金高质量发展行 动方案》，进一步提升北京作为国家金融管理中心的引领作用，打造北京金融高质量发展新名片。 "征信逾期不用愁，专业团队帮你清零，收费合理，无效退款！"当这样的广告弹窗出现在手机屏幕上 时，是不是很让人心动？背负着征信污点的李先生就是这样一位，他联系了中介，并缴纳了2万元费 用，然而一番操作下来，李先生的征信报告毫无变化，当初热情的客服也变得失联，这时他才意识到自 己落入了骗局。 上述两个案例中，不法分子利用了受害人对征信修复的急切需求和对相关法律法规的不了解实施诈骗。 首先，通过夸大其词的广告宣传，谎称自己有可靠的内部渠道和专业手段，营造出一种能够轻松解决征 信问题的假象，使受害人放松警惕信以为真，从而轻易签署了合同，谁不知，最后不仅征信没有被消除 而且还损失了钱财。 另外，在诈 ...