9月15日，金融监管总局、公安部联合发布了第一批金融领域"黑灰产"违法犯罪典型案例。 第一批案例包含"宁某等人包装'职业背债人'实施贷款诈骗、信用卡诈骗案"和"林某某、马某某等人以'代理退保'名义实施 敲诈勒索案"两个案子，金融监管总局指出，这两个案子的典型意义在于坚持对信贷领域"黑灰产"违法犯罪行为进行全链 条打击，并注重对涉案人员分层分类处置；依法严惩以"代理维权"形式掩盖非法获利目的的犯罪分子，同时依法划分了 权利行使与违法犯罪的边界。 全链条打击信贷领域"黑灰产"违法犯罪行为 "代理高额退保"挤占正常投诉维权渠道，应予以严厉打击 在林某某、马某某等人以"代理退保"名义实施敲诈勒索案中，2020年12月至2023年4月期间，林某某、马某某为非法获 利，以全额退保或高额退保为诱饵，发布违法广告，怂恿、诱导投保人委托其代理退保，杜撰、虚增、编造保险公司及 业务人员存在违规行为的内容和证据，向监管部门邮寄信件、反复投诉，同时教唆投保人、离职保险业务员消极对抗后 续调查、询问，导致保险公司及相关业务员向投保人支付保险现金价值，并被胁迫额外给予保费总额60%～100%的高额 补偿款，林某某、马某某从中抽成保费总额 ...

Monetary Policy Operations - The People's Bank of China conducted a 280 billion yuan 7-day reverse repurchase operation with an interest rate of 1.40%, unchanged from previous levels, resulting in a net injection of 88.5 billion yuan after 191.5 billion yuan of reverse repos matured on the same day [1] Interbank Offered Rates - The Shanghai Interbank Offered Rate (Shibor) saw slight increases in the overnight and 7-day rates, with the overnight Shibor rising by 4.10 basis points to 1.4080% and the 7-day Shibor increasing by 1.00 basis point to 1.4700%. The 14-day Shibor, however, decreased by 2.00 basis points to 1.5040% [2][3] Repo Market Activity - In the interbank pledged repo market, most rates experienced slight increases. The weighted average rates for DR001 and R001 rose by 4.9 basis points and 5.0 basis points, respectively, to 1.414% and 1.4474%. The transaction volumes for DR001 increased by 36.9 billion yuan, while R001 saw a decrease of 146.5 billion yuan [6] Market Stability - The funding environment remained balanced on September 15, with overnight transaction rates for collateralized deposits ranging from 1.46% to 1.48%. The 7-day transactions were stable, with rates around 1.46% [11] Interbank Certificate of Deposit Issuance - On September 15, a total of 99 interbank certificates of deposit were issued, with an actual issuance volume of 170.59 billion yuan, indicating a positive trading sentiment in the primary market [11][12] Financial Education Initiatives - The Financial Regulatory Bureau, People's Bank of China, and China Securities Regulatory Commission launched a financial education campaign aimed at enhancing consumer awareness and understanding of financial products and services [14] Cross-Border RMB Transactions - In the first seven months of the year, the total amount of cross-border RMB transactions in Shanghai reached 18.83 trillion yuan, with foreign-related income and expenditure totaling 3.26 trillion USD. The establishment of a one-stop account opening platform for foreign institutions aims to facilitate their entry into the bond market [15]