12月25日，公安部召开专题新闻发布会，通报公安部和国家金融监督管理总局联合部署开展金融领 域"黑灰产"违法犯罪集群打击工作举措成效情况，并公布了十起典型案例。 规范金融市场秩序 "公安机关将继续加强与金融监管部门协作配合，保持常态化打击震慑，积极参与非法金融中介行业乱 象治理，为金融高质量发展贡献公安力量。"公安部经济犯罪侦查局局长华列兵在发布会上表示。 金融监管总局稽查局局长邢桂君在回答中国证券报记者关于"金融监管总局下一步将采取哪些监管措 施，治理金融领域'黑灰产'"的提问时表示，2026年，金融监管总局将持续加大对非法贷款中介、非法 代理维权等重点领域的打击力度；研究制定有关违法犯罪行为的证据移送标准，进一步提升行刑衔接质 效；同时，与相关部门开展联合调研，对金融犯罪相关制度进行专题研究，提出立法建议，共同推动健 全金融法治。 有力保护金融消费者合法权益 "为从源头上化解金融领域矛盾风险，今年6月至11月，公安部会同国家金融监管总局部署17个重点省市 开展为期6个月的金融领域'黑灰产'违法犯罪集群打击。"华列兵介绍。 华列兵说，工作开展以来，全国公安经侦部门先后组织发起集群打击近60次，共立案查处金融 ...

12月25日，公安部召开专题新闻发布会，通报公安部和国家金融监督管理总局联合部署开展金融领 域"黑灰产"违法犯罪集群打击工作举措成效情况，并公布了十起典型案例。 "公安机关将继续加强与金融监管部门协作配合，保持常态化打击震慑，积极参与非法金融中介行业乱 象治理，为金融高质量发展贡献公安力量。"公安部经济犯罪侦查局局长华列兵在发布会上表示。 金融监管总局稽查局局长邢桂君在回答中国证券报记者关于"金融监管总局下一步将采取哪些监管措 施，治理金融领域'黑灰产'"的提问时表示，2026年，金融监管总局将持续加大对非法贷款中介、非法 代理维权等重点领域的打击力度；研究制定有关违法犯罪行为的证据移送标准，进一步提升行刑衔接质 效；同时，与相关部门开展联合调研，对金融犯罪相关制度进行专题研究，提出立法建议，共同推动健 全金融法治。 有力保护金融消费者合法权益 着力提升强监管严监管质效 邢桂君在回答记者提问时表示，2026年，金融监管总局将坚持防风险、强监管、促高质量发展工作主 线，多措并举持续规范市场秩序，着力提升强监管严监管质效。 具体来看，继续加大打击力度。持续加大对非法贷款中介、非法代理维权等重点领域的打击力度，保 ...

12月25日，公安部在京召开专题新闻发布会，通报公安部和国家金融监督管理总局联合部署开展金融领 域"黑灰产"违法犯罪集群打击工作举措成效情况，并公布十大典型案例。 据介绍，今年6月至11月，全国公安经侦部门立案查处金融领域"黑灰产"犯罪案件1500余起，打掉职业 化犯罪团伙200余个，涉案金额累计近300亿元，有效净化金融市场生态，全力维护国家金融管理秩序和 安全稳定。 职业背债模式尤为猖獗 "只要征信良好、凭身份证明就可获得银行贷款，贷款到账后再和贷款公司比例分成，个人不需要还 钱。"这样听起来"天上掉馅饼"的好事，背后实际上暗藏着一条吞噬金融秩序的"黑灰产"链条。 在贷款行业里，一些"征信正常，无房、无车、无资产"的人员，通常被称为"征信白户"。这些"征信白 户"多居住在农村，平常没有银行贷款，但由于法律意识淡薄，诈骗团伙常诱使他们充当"背债人"，规 模性套取巨额银行贷款。 贷款诈骗领域的"职业背债""白户包装"模式尤为猖獗。犯罪团伙通常以"低风险、高回报"为诱饵，招募 征信无异常的普通人充当"背债人"，通过话术培训、伪造全套经营资料和资产证明，甚至勾结银行内部 人员打通审核通道，骗取高额贷款后将还款压力 ...

责任编辑：秦艺 12月25日金融一线消息，公安部在京召开专题新闻发布会，通报公安部和国家金融监督管理总局联合部 署开展金融领域"黑灰产"违法犯罪集群打击工作举措成效情况。国家金融监督管理总局稽查局局长邢桂 君在发布会上介绍，今年6月金融领域"黑灰产"违法犯罪集群打击工作开展以来，金融监管稽查部门携 手公安经侦部门，查办了一批重大案件、惩治了一批不法分子、披露了一批典型案例，有效遏制了金融 领域"黑灰产"蔓延态势，切实维护了消费者合法权益，有力规范了金融市场秩序，以实实在在的打击成 效合力践行金融工作的政治性和人民性。 邢桂君指出，截至11月末，金融监管总局系统向公安机关移交线索4500余笔，涉及金额超210亿元；指 导督促金融机构报案1700余起，涉及金额超170亿元。上海、重庆、浙江、江苏四家金融监管局和当地 公安机关创新"监管+公安"执法协作机制，在线索研判、调查取证、罪名适用等方面加强实质性合作， 取得了积极的打击成效。 12月25日金融一线消息，公安部在京召开专题新闻发布会，通报公安部和国家金融监督管理总局联合部 署开展金融领域"黑灰产"违法犯罪集群打击工作举措成效情况。国家金融监督管理总局稽查局局长 ...

Core Viewpoint - The article highlights a coordinated crackdown on financial crimes in Jiangsu Province, focusing on loan and insurance fraud schemes that exploit loopholes in the financial system [1]. Group 1: Loan Fraud Cases - Case 1: A loan fraud ring in Nanjing involved recruiting individuals with good credit to act as "debt bearers" to secure car loans, which were then quickly sold off, resulting in over 60 million yuan in fraudulent loans and the arrest of more than 130 suspects [3]. - Case 2: In Tai Zhou, a group led by a suspect named Gong organized individuals to take out loans under false pretenses, leading to direct losses of over 6 million yuan for banks, with around 30 suspects arrested [6]. Group 2: Insurance Fraud Cases - Case 1: A company in Changzhou, led by suspects Lu and Xu, exploited insurance loopholes to inflate claims, resulting in over 48 million yuan in fraudulent insurance payouts and the arrest of more than 20 individuals [5]. - Case 2: In Nantong, a group led by a suspect named Qu engaged in repeated insurance claims for workers in high-risk jobs, illegally obtaining over 76 million yuan in insurance compensation through coercion and fraud, with 13 suspects arrested [7].

Core Points - The Financial Regulatory Administration and the Ministry of Public Security are intensifying collaboration to combat illegal activities in the financial sector, particularly targeting "black and gray" industries [1][2] - A series of typical cases have been published, highlighting loan fraud and extortion schemes involving fake debtors and insurance claims [1][2] Group 1: Loan Fraud Cases - A criminal group was involved in packaging "professional debtors" to commit loan fraud, resulting in a total of over 7.38 million yuan in fraudulent loans from 11 individuals [1][2] - The group used forged down payment certificates and inflated property transaction prices to deceive banks into issuing loans [2] - The court sentenced the main perpetrator to 11 years in prison and imposed fines, with other members receiving varying sentences and fines [1] Group 2: Extortion and Misleading Practices - Illegal loan intermediaries play a crucial role in organizing and planning these crimes, creating a structured and replicable model of fraud [2] - Criminals disguise themselves as legal or consulting firms to mislead policyholders into believing they can recover more than the cash value of their insurance policies, thereby disrupting the financial market [2] - Authorities emphasize the need for a comprehensive crackdown on these illegal activities and the importance of distinguishing between legitimate rights and illegal gains [2]

Core Viewpoint - The article highlights the crackdown on illegal activities in the financial sector, specifically focusing on a case of extortion disguised as "insurance policy cancellation" services, which has resulted in significant financial losses for insurance companies and illegal profits for the perpetrators [1][2][3] Group 1: Case Details - From December 2020 to April 2023, individuals Lin and Ma engaged in extortion by falsely advertising full or high-value insurance cancellations, leading policyholders to believe they could receive substantial refunds [1] - The perpetrators fabricated evidence of wrongdoing by insurance companies and pressured policyholders to file complaints, resulting in insurance companies paying out a total of 2.1762 million yuan in damages [1] - Lin and Ma profited approximately 489,600 yuan from their illegal activities, taking a commission of 20% to 30% from the total premiums paid by policyholders [1] Group 2: Legal Proceedings - In November 2022, law enforcement initiated an investigation into the case, leading to a court ruling in May 2024 that convicted the main perpetrators of extortion [2] - Lin received an eleven-year prison sentence and a fine of 100,000 yuan, while Ma was sentenced to ten years and fined 60,000 yuan; accomplices received lesser sentences [2] Group 3: Regulatory Response - The Financial Regulatory Bureau emphasized the need to punish those using "agent rights protection" as a cover for illegal profit-making, reinforcing that no entity or individual should engage in unlawful insurance cancellation activities [3] - The Bureau noted that such illegal practices disrupt the insurance market and mislead policyholders, necessitating strict enforcement against these actions [3] - It is crucial to distinguish between legitimate complaints and fabricated claims, as the latter constitutes extortion and undermines the integrity of the insurance market [3]