中经记者 秦玉芳 广州报道 这些组织或中介通常通过互联网平台发布"代理维权""减免债务""修复征信"等虚假广告，诱导消费者委 托其处理与银行之间的纠纷，从中收取高额手续费，甚至骗取用户个人信息进行二次诈骗。这些非法组 织或中介通过互联网平台快速传播，逐渐形成一条隐蔽性较强的金融"黑灰产"链条。 行业调研数据显示，近年来针对信用卡业务的恶意投诉中，近70%疑似为"黑灰产"机构策划推动。"黑 灰产"团伙不仅伪造律师函、困难证明、医疗证明等材料，还培训客户"话术"，教唆客户通过信访、投 诉等多种渠道向银行及监管机构施压，试图达到减免利息、删除逾期记录等非法目的。 壹通数字技术公司首席公关官罗富国表示，当前"黑灰产"已呈现组织公司化、作业线上化、手法专业化 的"三化"趋势，使得银行不良"虚胖"，部分机构的催收率被拉低3到5个百分点，核销成本翻倍。 苏商银行特约研究员付一夫进一步指出，对银行业务而言，"黑灰产"导致银行不良贷款增加，贷后管理 难度剧增。例如伪造材料办理协商还款，干扰正常催收流程，使逾期债务难以及时处理。此外，"黑灰 产"还严重损害银行声誉，其恶意投诉、歪曲事实等行为，让公众对银行产生负面认知，长远来看影 ...

Core Viewpoint - The article highlights the importance of enhancing compliance and risk awareness within the financial sector, specifically addressing the prevention of financial "black and gray industries" through a comprehensive educational initiative organized by Taizhou Rural Commercial Bank [1][2]. Group 1: Educational Initiative - The warning education activity organized by Taizhou Rural Commercial Bank on August 17 aimed to strengthen compliance capabilities and risk assessment levels across the industry [1]. - The event included participation from various departments, including corporate finance, inclusive finance, risk management, and credit management, ensuring a broad and targeted approach [1][2]. - Attendees watched a CCTV program that exposed typical cases of "packaged loans" and "black and gray industries," which shocked and alerted participants to the risks involved [1][2]. Group 2: Risk Prevention Measures - The activity focused on the new forms and characteristics of "black and gray industries" in the financial sector, analyzing illegal lending, money laundering, and fraudulent loan behaviors [2]. - Strict preventive measures were proposed, including comprehensive customer information collection, verification of application behaviors, and tracking of fund flows [2]. - Emphasis was placed on "penetrating management" to prevent risk loopholes in business processes and to block the infiltration of "black and gray industries" from the source [2]. Group 3: Future Actions - Taizhou Rural Commercial Bank plans to deepen the effectiveness of the warning education by integrating risk prevention requirements into the entire business process [3]. - The bank aims to strengthen risk control throughout the credit process and enhance employees' compliance awareness and professional capabilities [3]. - The initiative is intended to contribute to financial safety and ensure the stable development of credit business [3].

Group 1 - The core viewpoint of the articles highlights the ongoing crackdown on financial "black and gray industries" by multiple government departments in China, which has effectively deterred malicious debt evasion and improper debt collection practices [1][2] - In March, a six-month special operation was announced by the Economic Crime Investigation Bureau of the Ministry of Public Security and the Inspection Bureau of the National Financial Regulatory Administration to combat illegal activities in the financial sector [1] - The National Internet Information Office reported in May that it had closed accounts and websites spreading false information in the capital market and engaging in illegal stock recommendations and virtual currency trading [1] Group 2 - The financial "black and gray industries" have developed a clear division of labor and cross-regional collaboration, utilizing social media and short video platforms for lead generation, while also involving legal teams and hackers to facilitate illegal activities [1] - The credit card division of Guangfa Bank has actively participated in the crackdown on financial "black and gray industries," reporting 25 leads to law enforcement agencies this year, covering multiple provinces [2] - Experts from Guangfa Bank emphasize the need for societal consensus and collaboration to effectively combat financial "black and gray industries," urging the public to recognize the criminal nature of these activities [2]

Group 1: Regulatory Actions in Banking Sector - Shanghai Pudong Development Bank's Beijing branch was fined 2.45 million yuan for improper lending practices [1] - The People's Bank of China issued a draft regulation to enhance supervision of money brokerage firms, indicating an end to profit-making through information asymmetry [1] - The China Banking Association released self-regulatory norms for syndicated loan business to improve compliance and market order [1] Group 2: Panda Bond Market Developments - A new policy from multiple government departments aims to optimize the management process for Panda bonds, enhancing the investment environment for foreign enterprises [2] - Since its pilot launch in 2005, the Panda bond market has evolved, with flexible funding uses and low interest rates making it an attractive option for foreign investors [2] Group 3: Banking Loan Rate Trends - Several banks have reduced operating loan rates below 3%, reflecting a competitive pricing strategy amid weak credit demand [3] - The trend of "price for volume" is seen as unsustainable, prompting banks to enhance loan purpose verification and assess actual business conditions [3] - Banks are diversifying services to improve customer retention, suggesting a shift towards comprehensive financial services [3] Group 4: Stablecoin Regulation and Market Growth - Hong Kong's Stablecoin Regulation will take effect, with significant progress reported by companies involved in the sandbox program for stablecoin issuance [4] - The regulation is expected to have a profound impact on currency internationalization, although financial stability risks remain a concern [4] Group 5: USDT Market Milestone - Tether Holdings announced that USDT's market capitalization has surpassed 160 billion USD, marking a significant milestone in the stablecoin market [5] - USDT is increasingly viewed as a reliable dollar alternative in emerging markets, with over 400 million users and a quarterly increase of 35 million wallets [5] Group 6: Financial Market Clean-up Efforts - Twelve banks in Shenzhen denied any collaboration with a local loan agency, emphasizing compliance and ongoing efforts to combat financial "black and gray industries" [6] - The People's Bank of China injected 1.4 trillion yuan into the banking system through reverse repos to ensure liquidity stability during tax periods [6]

Group 1 - The article emphasizes the importance of combating financial "black and gray industries" to protect consumer rights and maintain normal financial operations [1] - The Industrial and Commercial Bank of China (ICBC) Weifang Branch has actively identified and reported clues related to black and gray industries, focusing on illegal financial activities in the credit sector [1] - A successful case was reported in 2024, where a loan fraud case involving 222,000 yuan was established through collaboration with law enforcement [1] Group 2 - The bank has implemented strict real-name account verification to ensure that account holders have legitimate identity information and to manage behaviors such as credit card cashing [1] - Continuous internal management is emphasized, with a focus on assessing the qualifications of credit partners and clients to ensure compliance and legitimacy in financial activities [1] - The bank has initiated a dual-channel public awareness campaign to educate the public on identifying illegal financial activities and to enhance internal compliance training for employees [2]