与此同时金融黑灰产的推广手段也不断升级和多样。据央视报道，这些"反催收"黑灰产团伙正是利用不 少消费者急于摆脱债务影响的心理，通过社交平台进行推广，以停催、延期、解决征信等诱惑性的、虚 假字眼大量招揽客户，并从客户手中收取好处费进行牟利。数据显示，在短视频和社交平台上，与债务 优化、征信修复、反催收、投诉代理等相关的虚假信息多达15万条。 对于金融消费者来说，这些所谓的专业"反催收"团伙不过是通过批量炮制虚假材料，利用客户信息进行 投诉。消费者不仅不可能通过这种方式解决债务问题，反而会直接导致经济损失，并且还面临着个人信 息被泄露或滥用的风险。 分期乐郑重提醒广大消费者：面对债务问题需保持理性，勿信非法"反催收"代理机构的虚假承诺；恶意 逃避债务本身属于违法行为，不仅会损害个人信用，还可能承担相应法律责任；处理债务务必通过正规 官方渠道，依法依规解决。 科技赋能+警企联动+行业互动，三管齐下重拳打击金融黑灰产 近日，央视新闻频道《法治在线》栏目重磅报道浙江警方破获了一起打着征信修复旗号的"反催收"黑灰 产案件。当前反催收黑灰产正在规模化、产业化，并对正常金融秩序和社会稳定造成冲击。对此，监管 部门、警方、企业 ...

"债务托管"内容遍布各大社交平台，借助短视频平台、微信朋友圈等，快速渗透到了借贷人的手机里。 他们宣称，"帮忙摆平逾期问题""1至3年不用还钱""到期只还本金"。看似"化债"举动的背后，实则是一 场精心设计的猎捕场。 /直击/"债务托管"黑产生意 "你都负债了，我还能骗你什么？还在害怕什么？我们团队今年在本地已帮助1万多负债人，别等逾期再 去买后悔药……" 相信不少贷款人在各种渠道刷到过关于网贷债务优化、逾期协商、停息分期等广告，也接到过各类中介 打来的营销电话，他们或自称律所助理，或称法务老师，看似为贷款人着想，解决负债难题，但经北京 商报记者实地探访发现，这背后实际上是，一群人挤在一个办公室中，拿着不同渠道的引流信息，套着 同样的"话术模板"，通过所谓的"成功案例"和协商方案，吸引着"猎物"入局……贷款人一旦轻信，背后 风险重重。 暗访：网贷债务托管现场 踏入北京市朝阳区某写字楼内，一个大约30平方米的空间，两排紧凑排列的办公桌占据大半面积，近20 位工作人员都在忙碌，每人标配的电脑屏幕聊天框闪烁不停，此起彼伏的手机通话声与微信消息提示音 交织。尽管比较嘈杂，但北京商报记者还是隐约听到了一些关键词，诸如" ...

Core Viewpoint - The article highlights the alarming growth of the "debt-back" industry in China, where individuals take on significant debts through intermediaries, often leading to severe personal and legal consequences. The industry exploits vulnerable individuals, creating a cycle of fraud and financial distress [6][14][60]. Group 1: Debt-Back Process - Individuals like Zhao Qian take on debts of up to 20 million yuan, receiving only a fraction of that amount in cash, while their personal information is manipulated by intermediaries [3][5]. - The process of becoming a "professional debtor" involves a rapid and deceptive setup, where intermediaries handle all documentation and even accompany individuals to banks [5][9]. - The debtors face severe restrictions post-debt, including being labeled as "dishonest individuals," which limits their financial activities and social mobility [7][9]. Group 2: Industry Growth and Statistics - The financial black and gray market in China surpassed 280 billion yuan in early 2025, showing a 40% increase from 2023, with an estimated 8 million people involved in these activities [14]. - The number of loan fraud attacks captured in 2024 reached 4.14 million, with a 51% increase in perpetrators compared to the first half of the year [14]. Group 3: Intermediary Operations - Intermediaries categorize potential debtors into four groups based on their creditworthiness, with "clean" individuals being the most sought after for larger loans [18][21]. - The intermediaries often mislead debtors about the risks involved, focusing solely on extracting value from their credit [9][36]. - The financial benefits from loans are primarily divided among intermediaries and operators, with debtors receiving only a small percentage of the total loan amount [34][35]. Group 4: Legal and Ethical Implications - The article discusses the legal ramifications for debtors, including potential imprisonment for loan fraud, which many individuals underestimate [11][66]. - The banking sector faces challenges in managing risks associated with intermediaries, as the pressure to maintain loan volumes can lead to ethical compromises [15][50]. - The systemic issues within the banking and intermediary relationships contribute to a growing cycle of fraud, making it difficult for banks to effectively mitigate risks [60][62].

公司化运作扩张，招人时薪竟高达500元 "万亿级蓝海赛道""实实在在搞钱""欢迎负债者、宝妈、中介"……你以为遇到了帮你爬出债务深渊 的"救命稻草"，但却不知是走进了一群用"停息挂账""债务重组"当诱饵的猎捕场。 近日，北京商报记者发现，此类网贷债务规划业务，尽管早已被多家贷款平台推翻，也被监管划上红 线，但近期仍在高压之下，通过公司化运作高薪扩张。 在某招聘网站上，许多号称为某某债务优化、某某信用管理、某某法律咨询的公司，在大量招聘，甚至 开出高达500元的时薪，招聘债务规划师、债务重组销售专员。 那些声称"帮你谈判"的"规划师"，正在把负债人推进更深的债务黑洞，而这背后，是一场从信息、引 流、物料、资金和法务等多个环节模板化的精心设计…… 近日，在某招聘网站上，许多名称为某债务优化、某信用管理、某法律咨询的公司，正在大量招聘。 根据债务规划相关公司的招聘信息，大多不限经验与年龄，工作内容主要是"寻找庞大的负债人群，提 供个人和企业的债务优化、债务减免、债务延期、停息挂账等"，并称前期有人手把手教，由规划师和 法务配合处理等。 北京商报记者注意到，在招聘列表中，大多公司债务规划相关岗位月薪在5000元至3万 ...

Core Viewpoint - The article highlights the risks associated with debt management services marketed by certain law firms and debt optimization companies, which often mislead consumers with false promises and may engage in fraudulent practices [1][12][13]. Group 1: Debt Management Services - Many consumers encounter advertisements for "debt optimization" and "overdue negotiation" services, often presented by individuals claiming to be legal assistants or financial advisors [1][3]. - These services promise to alleviate debt burdens by offering solutions such as "no payments for 1 to 3 years" and "only repaying the principal," which are often unrealistic and misleading [3][5][11]. - The operations of these companies typically involve high-pressure sales tactics and vague contractual agreements that can lead to consumer exploitation [12][13]. Group 2: Consumer Experiences - Consumers report being drawn to local law firms that claim to have extensive experience in handling debt issues, often leading to significant service fees without any real solutions [11][12]. - Complaints on platforms like Black Cat Complaints reveal numerous instances of consumers feeling deceived, with reports of service fees collected without any effective resolution of their debt issues [12][13]. - The article notes that many of these firms have expanded their reach to local markets, using targeted advertising to attract consumers in distress [9][11]. Group 3: Legal and Regulatory Concerns - Legal experts express skepticism about the legitimacy of the services offered, particularly the claims that debt management can be conducted without impacting credit scores [7][8]. - The practices of these debt management companies may violate regulations regarding consumer protection and financial practices, leading to potential legal repercussions for both the companies and the consumers involved [12][13]. - The article emphasizes the need for consumers to be cautious and to seek services from licensed financial institutions rather than unregulated debt management firms [12][13].

Core Viewpoint - The article reveals the alarming growth of the "debt-back" industry, highlighting the risks and consequences faced by individuals who engage in this practice, often under the guidance of intermediaries who downplay the dangers involved [4][5][14]. Group 1: Debt-Back Industry Overview - The debt-back industry is characterized by individuals taking on significant debts, often packaged as a shortcut to financial gain, leading to severe personal consequences such as social ostracism and legal repercussions [4][5][10]. - The financial black and gray market in China has seen a substantial increase, with the market size surpassing 280 billion yuan in early 2025, reflecting a 40% growth compared to 2023 [14]. - The number of individuals involved in the black and gray market is estimated to exceed 8 million in 2024, with a compound annual growth rate of 87% [14]. Group 2: Role of Intermediaries - Intermediaries play a crucial role in recruiting debt-bearers, often using deceptive practices to lure individuals into taking on debts without fully disclosing the associated risks [6][7][19]. - The classification of potential debt-bearers by intermediaries includes categories such as "clean" individuals with no credit history, "ordinary" individuals with some credit activity, and "blacklisted" individuals with poor credit records [20][22]. - Intermediaries often mislead individuals about the feasibility of taking on debt, with some even suggesting that being imprisoned for a short period could be a worthwhile trade-off for financial gain [10][11]. Group 3: Financial Institutions' Challenges - Financial institutions face significant challenges in managing risks associated with the debt-back industry, including moral hazards and difficulties in recovering loans [15][50]. - The internal culture within banks has shifted towards prioritizing growth, often at the expense of stringent risk management practices [16][48]. - The prevalence of fraudulent loan applications has led to increased scrutiny and the need for banks to enhance their risk assessment models to mitigate potential losses [46][47]. Group 4: Consequences for Debt-Bearers - Individuals who engage in debt-back schemes often find themselves unable to repay loans, leading to a status of "dishonesty" and potential legal consequences, including imprisonment [5][37]. - The financial gains for debt-bearers are typically minimal, with intermediaries and operators taking the majority of the loan amounts, leaving the debt-bearers with only a fraction of the total [36][41]. - The practice of "debt-back" is fundamentally a form of loan fraud, where intermediaries create false identities and financial documents to secure loans [41][42].

非法存贷款中介乱象不断，成为金融领域"黑灰产"的主要表现之一。第一财经记者日前获悉，北京金融监管局在连续三年开展专项打击行动 基础上，今年加大力度，推出政策组合拳。 北京市企业主吴某的遭遇揭开了非法存贷款中介乱象的冰山一角。2023年，吴某接到一个贷款中介的营销电话，询问"最近是否有资金缺 口"，许诺"可快速代办低息贷款"。吴某因为企业的确资金紧张、经营困难，于是与中介公司多次沟通，对方再三承诺"只需要营业执照和身 份证，我们帮您优化收入流水"，同时明确表示"代办业务仅收取2个点的费用，银行贷款利率不超过5%"。 签订合同后，中介公司通过转让空壳公司、先行垫资、虚构申贷材料等非法手段，帮助吴某从某银行机构获批一笔600余万元的企业经营性 贷款。 然而，贷款到账当日，中介公司直接分笔扣划近百万元"服务费"，最终吴某仅获取信贷资金500万元左右。事情曝光以后，经过多方共同努 力，吴某虽追回部分中介费用，但债务压力仍然存在。 记者了解到，非法存贷款中介的套路主要有三类： 一是，虚假营销与低息诱惑， 常以"与银行合作""内部渠道"等名义，宣称"额度高、利率 低"，实则收取高额服务费，推高贷款成本；二是，违法包装骗贷， ...

非法存贷款中介的套路主要有三类。 记者了解到，非法存贷款中介的套路主要有三类：一是，虚假营销与低息诱惑，常以"与银行合作""内 部渠道"等名义，宣称"额度高、利率低"，实则收取高额服务费，推高贷款成本；二是，违法包装骗 贷，针对资质不足的小微企业或征信白户，协助虚构申贷材料，甚至勾结银行员工骗取贷款，部分借款 人沦为"职业背债人"；其三，实施"套路贷"犯罪，诱导签订虚高合同，制造虚假流水，通过违约陷阱、 恶意垒债、虚假诉讼等手段非法侵占财物。 对此，北京市持续发力整治，已连续三年开展专项打击行动，今年更推出"强责任、全覆盖、严打击"组 合拳，全力守护金融消费者合法权益。 在具体举措上，一是压实银行机构主体责任，要求辖内机构严格规范助贷业务，严禁与非法中介合作， 严禁银行员工内外勾结；二是全面排查线索，通过大数据分析、日常监管及机构报送等方式，精准识别 疑似非法中介；三是强化央地协同共治，联动多部门深化源头治理与行刑衔接，加大网络不良金融信息 处置力度，严厉打击非法团伙，从严惩治银行"内鬼"，形成强力震慑。 北京金融监管局特别提示金融消费者，务必提高警惕，远离非法存贷款中介，珍惜个人信用，严守法律 底线，不轻信 ...

Core Viewpoint - Recently, nearly 20 banks in Shenzhen issued statements warning against a loan intermediary, Xin Xin Hui Lin (Shenzhen) Consulting Service Co., Ltd, which falsely claimed to be affiliated with these banks [2][5][10]. Group 1: Bank Responses - Multiple banks, including major institutions like China Construction Bank and Industrial and Commercial Bank of China, explicitly named Xin Xin Hui Lin in their statements, clarifying that they have no partnership with the intermediary [2][5]. - The banks urged consumers to be cautious of misleading claims such as "internal interest rate reductions" and "credit score improvement" [3][5]. Group 2: Xin Xin Hui Lin's Operations - Xin Xin Hui Lin has been promoting itself through advertisements claiming partnerships with various banks, offering services like interest rate reductions and charging high service fees [6][8]. - The company was established only six months ago, with a registered capital of 10 million yuan, and has rapidly expanded by being a shareholder in nine other consulting firms [7]. Group 3: Regulatory Context - The collective action by banks to issue warnings is unprecedented in recent years, reflecting a strong commitment to compliance and consumer protection amid ongoing regulatory crackdowns on financial misconduct [9][10]. - Regulatory bodies have intensified efforts to combat illegal financial practices, particularly in the loan, insurance, and credit card sectors [10][11]. Group 4: Consumer Awareness - Experts highlight the issue of information asymmetry in the financial sector, which leaves consumers vulnerable to scams by loan intermediaries [12][13]. - It is recommended that consumers apply for loans directly through legitimate financial institutions or their official online channels to avoid potential fraud [14].

Core Viewpoint - Recently, nearly 20 banks in Shenzhen issued statements regarding a loan intermediary, Xin Xin Hui Lin (Shenzhen) Consulting Service Co., Ltd., which allegedly impersonated these banks to attract customers [1][6]. Group 1: Bank Responses - Multiple banks, including major institutions like China Construction Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China, publicly clarified that they have no partnership with Xin Xin Hui Lin and have not authorized it to conduct any business on their behalf [1][6]. - The banks warned consumers about the deceptive advertising practices employed by the intermediary, which falsely claimed to be strategic partners with several banks [6][7]. Group 2: Xin Xin Hui Lin's Operations - Xin Xin Hui Lin was established only six months prior to the incident, with a registered capital of 10 million yuan, and has rapidly expanded by being a shareholder in nine other consulting service companies [6][8]. - The intermediary has been promoting services such as "interest rate optimization" and "loan consulting" while charging high service fees, misleading consumers into believing they are affiliated with banks [6][7]. Group 3: Regulatory Environment - The collective action by banks reflects a strong commitment to compliance, consumer protection, and ongoing regulatory efforts to combat financial "black and gray industries" [9][10]. - Regulatory bodies have intensified their crackdown on illegal loan intermediary services and other financial misconduct, indicating a broader effort to enhance oversight in the financial sector [9][10].