《指引》共七章五十四条，从加强行业自律、规范业务发展的角度，通过催收行为定义、催收行为规 范、外部催收机构管理、内控管理、促进行业健康发展五个方面对规则进行制定。明确规定未经债务人 同意，严禁在每日晚22:00至次日早8:00进行催收，以及严禁对无关第三人进行催收等细节要求。 多位业内人士对《中国经营报》记者表示，这份《指引》内含很高的操作性"量化标准"和"穿透式管 理"要求，从早期自律规范到行业指引，我国催收行业正经历一场深刻的合规化变革。 深夜催收"宵禁令"、严查"连坐" 中经记者 郑瑜 北京报道 催收行业伴随着金融贷款、民间借贷活动的活跃而兴起，无边界催收随之而来。 近日，中国银行业协会（以下简称"中银协"）正式发布《金融机构个人消费类贷款催收工作指引（试 行）》（以下简称"《指引》"），旨在规范信用卡及个人消费信贷催收行为，保护债务人合法权益，促 进行业健康发展。 早在2019年9月，本报记者曾一个月收到三条来自头部持牌消费金融公司的"爆通讯录"催收短信，原因 为某逾期用户上传的通讯录中有记者本人电话。但当记者按照催收短信提示退订之后，催收人员更换了 号码继续向记者发送催收短信。 2024年5月15日 ...

Core Viewpoint - The China Securities Regulatory Commission (CSRC) emphasizes the need to strengthen trading supervision and information disclosure to maintain market fairness and prevent excessive speculation and market manipulation, particularly in light of the recent positive trends in the A-share market [1][2]. Group 1: Regulatory Focus - The CSRC's reiteration of "seriously investigating excessive speculation" is a targeted response to the increasing market speculation and volatility, especially following the favorable market conditions since September 2024 [2]. - Excessive speculation has been identified as a significant factor contributing to market fluctuations and instability, necessitating a proactive regulatory approach to maintain a stable market environment [2]. Group 2: Implementation Strategies - The CSRC suggests establishing clear quantitative standards for defining "excessive speculation" to minimize subjective enforcement and help investors avoid overly speculative stocks [2][3]. - Regulatory measures should treat new and old stocks equally, ensuring that both are subject to the same scrutiny to uphold fairness in market regulation [3]. - The implementation of effective regulatory measures, such as trading suspensions for stocks involved in excessive speculation and thorough investigations into potential illegal activities, is crucial for enhancing regulatory deterrence [3]. - Distinguishing between excessive speculation and market manipulation is essential, allowing for simultaneous investigations and actions against both types of behavior without conflating them [3].