内外协同深挖彻查，斩断"恶意投诉"敲诈链条 2024年12月，中原消费金融接到赵某某多次投诉，声称公司合作方催收过程存在违规，并提出无理要 求：将剩余未还欠款"0元结清"，同时额外赔偿1万元，否则将持续升级投诉举报。然而，中原消费金融 在全面复盘核查催收流程时，未发现任何违规行为；反而在通话录音中发现关键疑点——赵某某的表述 刻意引导催收人员，话术专业性极强，疑似有备而来。 带着这一疑问，中原消费金融通过同业交流、多方查证等方式进一步核实，发现山东地区近期已出现多 起类似案件：借款人逾期后，主动诱导催收人员作出模糊表述，再截取片段作为"证据"，以投诉举报为 施压手段，向金融机构索要不合理债务豁免及高额赔偿。掌握相关线索后，中原消费金融立即向警方报 案。警方深入分析研判后，认定该案涉嫌敲诈勒索，并在中原消费金融等多家金融机构协助下，逐步摸 清犯罪团伙的组织架构、作案手法及资金流向，锁定完整跨域犯罪链条。 2025年12月下旬，山东潍坊警方举办打击金融黑灰产涉黑恶犯罪座谈会，中原消费金融作为企业代表受 邀参加。会议回顾了案件侦办进展、犯罪手法、打击成果等基本情况：以张某某为首的该犯罪团伙形成 组织化、链条化运作模 ...

转自：中国经营网 "摆脱信用卡倒卡套现，降低逾期风险""房贷延期1—3年，其间不用还任何本金""高息转低息，减轻还 款压力"，自2025年以来，此类"债务优化"广告在短视频、社交等平台中频繁出现。 近日，金融监管总局等五部门联合发布风险提示，直指不法分子披着"依法维权"外衣，实则行"非法牟 利"之实的乱象。 北京京师（成都）律师事务所刘冬律师对《中国经营报》记者表示，当前金融黑灰产新发展趋势主要有 隐蔽的主体伪装、技术手段智能化等发展趋势；变种方式：通过多元化渠道引流、复杂的盈利模式等。 有社交平台人士对记者介绍，平台坚决抵制黑灰产，对于这种违法广告采取动态监控治理。 暗语伪装："分琪""鞋商""利熄" 刘冬介绍道，不法机构常以物流、普通咨询、科技公司等非金融类主体为马甲，掩盖证券期货相关非法 活动，规避监管识别 在技术手段上，该黑产链条已实现从传统营销向精准算法引流的转型。"比如借助AI技术生成虚假荐股 分析报告、伪造券商工作人员身份，以'炒股大师'身份，通过算法精准推送诈骗信息；从传统电话、短 信营销，转向短视频、社交平台、知识付费社群等私域流量池引流，再通过群聊、直播开展非法荐 股。"刘冬补充道。 他表 ...

近年来，金融领域"黑灰产"日益猖獗，已形成"获客—引流—实施—分利"的完整产业链，成为威胁 金融安全和社会稳定的重要隐患。2025年3月，公安部经济犯罪侦查局与国家金融监督管理总局稽查局 联合开展为期6个月的金融领域"黑灰产"违法犯罪集群打击行动，取得积极成效：去年6月至11月，多省 市共立案查处相关犯罪案件1500余起，打掉职业化犯罪团伙200余个。今年1月23日，两部门联合发布了 第二批典型案例，引发社会广泛关注。 所谓金融领域"黑灰产"，是指在金融领域通过违法或表面合法的方式谋取不当利益的新兴业态，主 要包括不正当反催收、不法贷款中介、恶意逃废债、非法办理退保理赔、虚假征信修复、非法荐股等行 为。 金融"黑灰产"带来的社会危害相当严重，破坏力覆盖全社会。那么，公众应从哪些方面着手，提高 防范金融"黑灰产"的能力？ 首先，要头脑清醒，不存贪念，不被高利诱惑。在金融创新和网络科技日益发达的今天，办理金融 业务应选择国家正规金融机构：无论是贷款偿还、征信修复、信用卡提额等，都要通过合法途径，到银 行、证券公司等持牌机构办理，切勿轻信网络"黑中介"和歪门邪道。面对黑中介提供的"优惠"诱惑，要 保持理性，认清其本 ...

日前，金融监管总局、公安部联合发布第二批金融领域"黑灰产"违法犯罪典型案例。 "代购买房"、"白户"招募……这些看似有利可图的"生意"下，隐藏着怎样的陷阱？这些"诱惑"能信 吗？ 0:00 / 2:50 小明从一个采访到的真实故事讲起，揭开金融领域"黑灰产"面纱…… 面对金融领域"黑灰产"突出违法犯罪，金融监管总局、公安部等重拳出击。去年6月至11月，多省 市开展金融领域"黑灰产"违法犯罪集群打击，共立案查处犯罪案件1500余起，打掉职业化犯罪团伙200 余个。 震慑违法犯罪，提醒广大公众，相关部门还持续发布典型案例。"职业背债"、"代理退保"、"代购 买房"、"白户"招募……看到这些字眼、碰到类似情况，我们要提高警惕、避免落入陷阱，还应向公安 机关等积极提供线索。 金融市场良好环境，关乎百姓切身利益。向金融领域违法犯罪行为说"不"，远离"黑灰产"圈套陷 阱，既是对个人财产和人身安全负责，也为消除"黑灰产"蔓延土壤贡献力量。相关部门也将持续健全长 效防控机制，搭建"行业筛线索、公安办案件、公众齐防范"的高效共防模式，强化行刑衔接，推动源头 治理。营造更加安心、放心的金融消费环境，我们共同参与。 金融领域"黑灰 ...

(责任编辑：蔡情) 近日，金融监管总局、公安部持续加大工作协同力度，深化行政执法与刑事司法衔接，重拳出击严 厉打击金融领域"黑灰产"突出违法犯罪行为，取得积极成效，并公布了第二批典型案例。此次发布的典 型案例包括以"代购买房"为名实施非法放贷型非法经营案，虚构经营材料实施贷款诈骗案，招募"白 户"实施贷款诈骗、骗取贷款案，以"短期退保"名义实施合同诈骗案，非法购买公民个人信息"代理退 保"案。打击此类犯罪需凝聚多方合力，推动长效治理。监管部门须持续巩固"监管+公安"协同办案机 制，实现打击震慑和处置成效相统一。金融机构则应承担主体责任，运用数字化手段加强风险监测预 警。此外，广大金融消费者需增强防范意识，警惕"代理维权"等话术陷阱，通过正规渠道维权。（时 锋） ...

以"短期退保"名义实施合同诈骗 根据通报，2020年7月起，宋某经营某保险经纪公司分公司，代理销售某保险公司年金险、重疾险 等保险产品并收取相应佣金。2020年10月至2022年5月，宋某以承诺返佣、保本付息为诱饵，直接发展 或招募仇某、季某等人，由其发展18名投保人，在投保人无真实意愿且无长期续保能力的情况下，由投 保人自筹资金，或由仇某、季某等人推荐融资垫付首期保费的方式，安排18名投保人先后投保20份10年 期年金险、8份20年期重疾险，并于投保后一个月至一年不等的时间内退保。 "代理退保"乱象不断，是金融领域"黑灰产"的主要表现之一。 近日，金融监管总局、公安部联合发布第二批金融领域"黑灰产"违法犯罪典型案例。这也是继2025 年9月公布首批案例后，两部门再次集中曝光金融领域"黑灰产"突出违法犯罪行为。 本次通报共涵盖5起案件，其中3起涉及银行业，2起涉及保险业。值得注意的是，保险业的两起案 例均与"代理退保"有关。 2023年9月，公安机关接到保险公司报案后对本案立案侦查。2025年3月至9月，法院对本案作出判 决。经法院审理，以合同诈骗罪判处宋某等七人有期徒刑十年六个月至一年不等，并处罚金，部分人 ...

Group 1 - The financial regulatory authorities and the Ministry of Public Security are intensifying collaboration to combat illegal activities in the financial sector, particularly focusing on "black and gray industries" [1] - A case was highlighted where an investment company, under the guise of "buying houses on behalf of others," engaged in illegal lending practices, resulting in a total loan amount of 56.39 million yuan with an actual annual interest rate exceeding 36% [1] - The company facilitated the use of business loans for purposes prohibited by regulations, such as purchasing real estate, which is against the intent of financial products designed to support small and micro enterprises [1] Group 2 - Additional cases of loan fraud were reported, including recruitment of "white households" for loan scams and contract fraud under the pretext of "short-term policy cancellation" [2] - The authorities are establishing a robust cooperative model that integrates administrative oversight with criminal justice to enhance prevention and response to financial crimes [2]

Core Viewpoint - The National Financial Supervision Administration and the Ministry of Public Security have jointly exposed a second batch of typical cases of illegal activities in the financial sector, highlighting the ongoing crackdown on financial "black and gray" industries, which include loan fraud and insurance scams [1][4]. Group 1: Banking Sector Black and Gray Activities - Three cases of illegal activities in the banking sector were reported, involving "packaged loan fraud," "shell company loan fraud," and "white household" loan fraud, which severely disrupt credit management and occupy inclusive financial resources [5][6]. - Case 1 involved a company that assisted clients in obtaining business loans by misrepresenting their financial status, resulting in illegal loans totaling 56.39 million yuan, with an effective annual interest rate exceeding 36% [6]. - Case 2 detailed a scheme where an individual created multiple shell companies to fraudulently obtain 102 million yuan in unsecured business loans, leading to significant losses for financial institutions [7]. - Case 3 described a gang that recruited individuals with no intention or ability to repay loans, resulting in the fraudulent acquisition of 7.344 million yuan in auto loans, causing a loss of 6.765 million yuan to banks [8]. Group 2: Insurance Sector Black and Gray Activities - The insurance sector has seen a rise in illegal activities centered around "policies" and "commissions," with two cases reported involving "short-term speculative cancellations" and "illegal information acquisition" [9][10]. - Case 4 involved a scheme where an insurance broker developed clients under false pretenses, leading to the cancellation of policies worth 17.63 million yuan and illicit gains of 23.48 million yuan, resulting in a net loss of over 5.84 million yuan for the insurance company [11]. - Case 5 highlighted the illegal purchase of personal information to facilitate "agent cancellation" services, with over 67,000 records acquired, leading to a profit of 68,000 yuan for the perpetrators [12]. Group 3: Regulatory Actions and Future Directions - The National Financial Supervision Administration has intensified efforts against financial black and gray activities, with over 1,500 cases investigated and more than 200 organized crime groups dismantled, involving a total of nearly 30 billion yuan [12]. - The administration plans to continue its crackdown on illegal loan intermediaries and enhance cross-departmental collaboration to improve the effectiveness of law enforcement in the financial sector [13][14]. - Future measures will include developing standards for evidence transfer related to illegal activities to enhance the efficiency of criminal prosecution [14].

Core Viewpoint - The financial regulatory authorities and the police are intensifying efforts to combat illegal activities in the financial sector, particularly focusing on "black and gray" industries, with significant results achieved in recent cases [1]. Group 1: Case Summaries - Case 1 involves an investment company and individuals who illegally lent money under the guise of "buying houses on behalf of others," resulting in a total loan amount of 56.39 million yuan at an actual annual interest rate exceeding 36% from 2019 to 2023 [2][3]. - The court sentenced the main perpetrator to five years in prison and imposed fines for illegal business operations, with the judgment becoming effective [3]. - The regulatory authorities emphasized that loans intended for small and micro enterprises should not be misused for purchasing properties or other prohibited activities, highlighting the negative impact of such illegal practices on the economy [3]. Group 2: Additional Cases - Case 2 features an individual who fabricated business materials to commit loan fraud, obtaining over 102 million yuan in unsecured loans from six financial institutions between 2021 and 2023, with a significant portion of the loans still unpaid [4][5]. - The court sentenced the main perpetrator to 11 years and 6 months in prison for loan fraud, with additional penalties for related offenses [5]. - The authorities noted that such fraudulent activities severely disrupt the financial management order and undermine the effectiveness of national financial relief policies [5]. Group 3: Further Developments - Case 3 involves a group that recruited individuals without genuine creditworthiness to fraudulently obtain auto loans, resulting in a total loan amount of 7.344 million yuan, with losses to banks amounting to 6.765 million yuan [6][7]. - The court imposed a sentence of 12 years and 6 months on the main perpetrator for loan fraud, with other accomplices receiving varying sentences [7]. - The regulatory bodies highlighted the organized nature of these fraud schemes and the need for comprehensive measures to combat such illegal activities effectively [7][8].

Group 1 - The core message of the article emphasizes the importance of financial consumer rights protection and the fight against illegal financial activities, particularly in rural areas [1][4] - The event organized by the company aimed to enhance financial risk awareness among rural workers and visitors, focusing on practical knowledge to identify and prevent financial fraud [1][5] - The initiative reflects the company's commitment to social responsibility and the "finance for the people" philosophy, with plans to continue innovative outreach efforts in various communities [9] Group 2 - The promotional team engaged the audience with eye-catching banners and informative brochures, effectively drawing attention to the risks of illegal fundraising and high-interest temptations [4] - The event included personal interactions where the general manager acted as a "knowledge ambassador," educating attendees on common financial scams and promoting a cautious approach to financial dealings [4][5] - Feedback from participants indicated a heightened awareness of financial fraud risks, demonstrating the effectiveness of the educational outreach [5]