近日，公安部在北京召开专题新闻发布会，通报公安部和金融监管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。公安部经济犯罪侦查局局长华列 兵、金融监管总局稽查局局长邢桂君等出席发布会并介绍有关情况。 金融机构要扛牢风险管理主体责任 "2025年3月，金融监管总局联合公安部制定涉嫌犯罪案件移送工作规定，截至2025年11月末，金融监管 总局系统向公安机关移交线索4500余条，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。"邢桂君在发布会上介绍，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。 谈及金融机构如何防范金融领域"黑灰产"，邢桂君表示，当前，治理金融领域"黑灰产"既需要司法机 关、各行业主管部门持续加强执法司法协作、综合施策，更需要金融机构坚定扛牢全面风险管理特别是 内控合规管理的主体责任，筑牢风险屏障。 "在今年集群打击过程中，深刻体会到，金融领域'黑灰产'的做大成势并非短期形成，打击治理工作需 持续发力、久久为功。 ...

Core Insights - The Ministry of Public Security and the National Financial Regulatory Administration have launched a six-month crackdown on illegal financial activities, resulting in over 1,500 cases and the dismantling of more than 200 organized crime groups, with a total amount involved nearing 300 billion yuan [1][2] Group 1: Regulatory Actions - The crackdown focuses on illegal loan intermediary services, illegal insurance claims, and improper credit card collection practices [1][3] - By November 2025, over 4,500 leads were transferred to law enforcement, involving amounts exceeding 21 billion yuan, with 1,700 cases reported by financial institutions totaling over 17 billion yuan [2] - The regulatory bodies are enhancing collaboration with local police to improve enforcement effectiveness, particularly in Shanghai, Chongqing, Zhejiang, and Jiangsu [2] Group 2: Industry Challenges - The financial sector's illegal activities have evolved to utilize high-tech methods, making traditional risk control measures ineffective [2] - Some banks are overly reliant on loan intermediaries for customer acquisition, leading to a decline in their own customer management capabilities [3] - Issues in credit management and post-loan fund control have been identified, necessitating stricter oversight to eliminate the operational space for illegal loan intermediaries [3] Group 3: Future Directions - In 2026, the regulatory focus will remain on combating illegal loan intermediaries and unauthorized claims, maintaining a high-pressure enforcement environment [4] - There will be an emphasis on cross-departmental collaboration to enhance the effectiveness of financial crime governance [4][5] - The development of standards for evidence transfer related to financial crimes is planned to improve the efficiency of law enforcement [5]

Core Insights - The Ministry of Public Security announced the results of a six-month crackdown on illegal financial activities, revealing over 1,500 cases and the dismantling of more than 200 organized crime groups, with a total amount involved nearing 300 billion yuan [1][5]. Group 1: Focus Areas of Crackdown - The crackdown targeted illegal loan intermediaries, unauthorized insurance claims, and improper credit card collection practices [2][6]. - The operation emphasized cross-agency collaboration, analyzing crime information and financial flows to dismantle criminal networks [2][6]. Group 2: Case Examples - Ten typical cases were highlighted, showcasing various financial crimes including loan fraud, insurance fraud, and illegal fundraising [3][7]. - A specific case involved a group in Beijing that fraudulently obtained over 60 million yuan in agricultural loans by fabricating business operations [7]. - Another case from Zhejiang involved a gang that deceived financial institutions into granting loans exceeding 90 million yuan by using forged documents [7][8]. Group 3: Regulatory Measures and Future Plans - The regulatory body plans to enhance its efforts in combating illegal financial activities, focusing on maintaining market order and protecting consumer rights [4][9]. - Future strategies include improving inter-departmental cooperation and establishing standards for evidence transfer related to financial crimes [4][9].

Core Insights - The Ministry of Public Security in China has revealed a series of typical cases of illegal fundraising in the financial sector, highlighting the prevalence of "black and gray" market activities [1][2] Group 1: Case Overview - A case in Zhongshan, Guangdong Province involved individuals using "debt resolution at a 40% discount" as a guise for illegal fundraising, establishing multiple related companies without proper qualifications [1] - From March 2023, the suspects attracted 14,000 debt clients across 28 provinces, raising over 900 million yuan in debt resolution funds [1][2] Group 2: Characteristics of Criminal Activities - The criminal activities exhibit organized and professional characteristics, with groups forming complex structures and utilizing consumer desperation to design intricate service traps [2] - The operations are misleadingly branded as "debt resolution," but they function as a Ponzi scheme, using new funds to pay off old debts without any legitimate business activities [2] - The rapid development of these criminal groups is facilitated by promotional events and online marketing, with significant outreach to the public [2] Group 3: Consumer Warnings - Consumers are advised to remain vigilant against enticing offers such as "no loan repayment," "full debt resolution," and "low-cost rights protection," and to avoid prepaying high fees [3]

Core Viewpoint - The article discusses the effectiveness of a joint initiative by the Ministry of Public Security and the National Financial Regulatory Administration to combat illegal financial activities, particularly focusing on "black and gray" industries in the financial sector, resulting in significant law enforcement actions and financial recoveries [1]. Group 1: Overview of Law Enforcement Actions - From June to November this year, nearly 60 operations were conducted nationwide, leading to over 1,500 cases of financial crimes being filed and more than 200 organized crime groups dismantled [1] - The total amount involved in these financial crimes reached nearly 30 billion yuan, contributing to a cleaner financial market environment and protecting consumer rights [1]. Group 2: Case Summaries - **Beijing Loan Fraud Case**: A criminal gang led by Qian and Zhao fraudulently obtained over 60 million yuan in agricultural policy loans by creating fictitious projects and using "white household" individuals [2]. - **Inner Mongolia Extortion Case**: A group led by Song extorted 188,000 yuan from credit card companies by falsely claiming violations and pressuring banks through malicious complaints [3]. - **Shanghai Contract Fraud Case**: A fraud scheme by Shi involved deceiving companies into paying over 4 million yuan in commissions through fake insurance agreements [4]. - **Jiangsu Loan Fraud Case**: A gang led by Gong recruited ordinary individuals to act as "debt bearers" to fraudulently obtain over 6 million yuan in car loans [5]. - **Zhejiang Loan Fraud Case**: A group led by Jiang defrauded banks of over 90 million yuan by fabricating business documents and using "debt bearers" [6][7]. - **Jiangxi Loan Fraud Case**: Zhang and associates defrauded banks of 110 million yuan by using forged documents to secure loans under false pretenses [8]. - **Shandong Loan Fraud Case**: A scheme involving Wang and others led to over 120 million yuan in fraudulent housing loans through falsified documents and collusion with bank staff [9]. - **Henan Insurance Fraud Case**: A gang led by Li defrauded insurance companies of over 100 million yuan by manipulating injury claims [10]. - **Guangdong Illegal Fundraising Case**: A group led by Zhou raised over 900 million yuan from 14,000 clients under the guise of debt resolution services [11]. - **Chongqing Loan Fraud Case**: Multiple gangs led by Tang defrauded banks of nearly 100 million yuan through online loan applications and fictitious business operations [12].

Core Viewpoint - The Ministry of Public Security and the National Financial Regulatory Administration have jointly launched a crackdown on illegal financial activities, focusing on "black and gray industries" in the financial sector, with significant results reported in a recent press conference [1][2]. Group 1: Crackdown Measures and Achievements - From June to November, a six-month operation was conducted across 17 key provinces and cities to combat illegal financial activities, with a focus on enhancing regulatory effectiveness and market order [2]. - The regulatory authorities have shifted from a fragmented approach to a coordinated effort, resulting in the transfer of over 4,500 leads to law enforcement, involving amounts exceeding 21 billion yuan [3]. - The crackdown has led to the identification and reporting of over 1,700 cases by financial institutions, with amounts exceeding 17 billion yuan, showcasing the effectiveness of the "regulatory + police" collaboration [3]. Group 2: Strategic Shifts in Enforcement - The approach has evolved from "passive response" to "proactive measures," with financial institutions being urged to manage partnerships more effectively and to issue public statements to guide public perception [5]. - The regulatory framework has been enhanced to include the establishment of evidence transfer standards for criminal activities, aiming to improve the efficiency of law enforcement collaboration [2][4]. - The focus has also shifted from "end-of-line disposal" to "source governance," with extensive educational campaigns and the publication of typical cases to raise awareness and improve compliance [6]. Group 3: Recommendations for Financial Institutions - Financial institutions are encouraged to adopt the "three iron" internal control management principles to strengthen risk management and compliance [7]. - There is a call for increased investment in technology, utilizing big data and artificial intelligence to enhance the identification of risks associated with "black and gray industries" [7]. - Institutions are advised to refine their operational philosophies, ensuring that core services are not outsourced and that they maintain direct control over customer acquisition channels [8].

Core Insights - The Ministry of Public Security and the National Financial Regulatory Administration have launched a joint initiative to combat illegal activities in the financial sector, focusing on "black and gray" industries [1][2] - From June to November, nearly 1,500 cases of financial-related crimes were investigated, resulting in the dismantling of over 200 professional criminal groups and involving a total amount of nearly 30 billion yuan [1] Group 1: Characteristics of Financial Crimes - The operational model of financial "black and gray" industries has become industrialized, forming a complete chain that includes false advertising, providing counter-tutorials, and negotiating on behalf of clients [1] - The personnel involved in these crimes have become professionalized, with some lawyers and collection agency professionals familiar with laws and regulations, contributing to illegal activities [1] - The methods of committing these crimes have become more concealed, utilizing new technologies and intelligent generation tools, making detection more challenging [1] Group 2: Ongoing Efforts and Future Plans - The "anti-collection alliance" and "professional debtors" have rapidly expanded, threatening the legitimate interests of financial institutions and disrupting the financial management order [2] - Despite some reduction in the spread of financial "black and gray" activities, the methods are evolving and becoming more hidden, increasing the difficulty of governance [2] - By 2026, the National Financial Regulatory Administration plans to intensify efforts against illegal loan intermediaries and agents, maintaining a high-pressure joint law enforcement stance with public security [2]

Core Viewpoint - The Ministry of Public Security and the National Financial Regulatory Administration have reported significant achievements in combating illegal activities in the financial sector, particularly focusing on "black and gray" industries since June 2023, effectively curbing their spread and protecting consumer rights [1][5]. Group 1: Mechanism and Collaboration - Transition from "divided operations" to "joint management" with a more robust mechanism for criminal case referrals, resulting in over 4,500 clues transferred to public security agencies involving more than 21 billion yuan by the end of November [1][5]. - Financial regulatory authorities guided over 1,700 reports from financial institutions, involving amounts exceeding 17 billion yuan, and established innovative collaboration mechanisms between regulatory bodies and local public security [1][5]. Group 2: Targeted Actions and Efficiency - Shift from "routine inspections" to "targeted treatment," utilizing regulatory big data for precise identification of illegal activities, leading to the discovery of multiple major cases involving over 100 million yuan [2][6]. - Special inspections were conducted focusing on illegal loan intermediaries and vehicle insurance fraud, enhancing deterrence against these crimes [2][6]. Group 3: Proactive Measures and Public Awareness - Move from "passive response" to "proactive actions," with over 1,100 risk warnings and public statements issued to guide public understanding and manage partnerships effectively [3][7]. - Collaboration with various departments to address illegal advertising and misleading promotions, aiming to sever the channels through which illegal intermediaries attract clients [3][7]. Group 4: Source Governance and Sustainable Development - Transition from "end-of-line disposal" to "source governance," with over 1,700 educational activities conducted and more than 300 media reports published to enhance public awareness [4][8]. - The regulatory body has issued or improved over 160 regulatory documents and guided financial institutions in enhancing internal risk control systems, promoting high-quality development in the financial sector [4][8].

Core Viewpoint - The article highlights the emergence of "professional debtors" as a financial fraud tool, emphasizing the legal repercussions for those involved in such illicit activities, particularly in the context of loan and credit card fraud cases [3][4]. Summary by Sections Case Overview - A case involving Ning and others was highlighted, where they engaged in loan fraud and credit card fraud from July 2019 to May 2020, resulting in a total fraud amount of over 7.38 million yuan [3][4]. - The defendants created false documentation to facilitate loans for individuals lacking repayment ability and housing qualifications, leading to significant financial losses [4]. Legal Consequences - Ning was sentenced to 16 years in prison and fined 800,000 yuan for his involvement in loan and credit card fraud, with other co-defendants receiving varying sentences [4]. - The case underscores the importance of a comprehensive crackdown on illegal activities in the credit sector, focusing on layered and categorized handling of involved parties [4]. Criminal Network Dynamics - The article describes how illegal loan intermediaries play a crucial role in organizing and executing these crimes, forming a structured network that facilitates repeated fraudulent activities [5]. - The methods employed include falsifying down payment documents and inflating property prices, which severely disrupts financial order and poses risks to national financial security [5]. Regulatory Response - The Financial Regulatory Bureau, in collaboration with the People's Bank of China and the China Securities Regulatory Commission, is conducting a financial education campaign to raise awareness about internet loan risks and financial fraud [5][6]. - The campaign aims to educate the public on recognizing deceptive practices in loan offerings and enhancing risk awareness [5]. Future Initiatives - The Financial Regulatory Bureau plans to guide the financial industry in developing consumer-friendly measures to meet diverse financial needs effectively [6].