近年来，微众银行积极响应监管要求，主动作为，启动"除尘行动"，多部门联合开展对金融领域"黑灰 产"的专项打击工作，通过建立"网络治理、民事诉讼、行政投诉、刑事打击"四位一体的综合治理机 制，坚持以合法手段维护金融市场秩序并保护消费者权益。日前，"除尘行动"获得阶段性成果，不仅切 实保障了消费者的利益，更为"黑灰产"治理与金融品牌维权提供典范案例。 近日，湖北省武汉市中级人民法院对微众银行起诉湖北微众森态信息科技集团有限公司、微众众诚企业 管理（武汉）有限公司、星微众网络科技（武汉）有限公司、优化信用管理（武汉）有限公司及实际控 制人商标侵权及不正当竞争案件作出一审判决，判定各被告构成共同侵权。经查，由同一实际控制人控 制的4家涉案企业，均未经微众银行同意擅用"微众"商标，其中3家企业注册登记的名称中就明确含 有"微众"字样。4家关联公司于2021年1月—2023年9月期间陆续进行注册，而微众银行早在2014年12月 成立，"微众"作为其核心字号及系列商标，经多年运营已形成较高的知名度与辨识度，被告在后登记及 擅用商标的行为主观恶意明显。 在经营期间，本案中4家关联企业频繁跨场景使用"微众"字号及商标：线上将地 ...

Group 1 - The event "Clear and Bright Pujiang: Joint Governance of Online Financial Information" was held in Shanghai, focusing on creating a good ecosystem for online financial information dissemination [1] - Key officials from regulatory bodies and financial institutions participated, discussing governance experiences and collaborative strategies [1] - The event resulted in the release of the "Shanghai Guide for Handling Bad Financial Information," which provides standardized procedures for identifying and managing harmful financial information [3] Group 2 - An initiative titled "Proposal for Regulating Online Financial Information Dissemination Order" was launched by internet companies including QFIN, Alipay, Xiaohongshu, and Bilibili, proposing seven specific measures to enhance industry responsibility [3] - QFIN shared its experience in combating financial black and gray markets, emphasizing the importance of consumer protection and financial security [5] - The company has developed a proprietary "Anti-Fraud Expert Strategy System" that utilizes advanced technologies to identify and manage black market activities, processing 89,000 incidents and identifying 44,000 related clients [7] Group 3 - QFIN has established a dedicated department for black and gray market governance, collaborating with law enforcement to initiate 23 cases and apprehend over 260 criminals [7] - The company has created a communication mechanism with media platforms to address and manage non-compliant content, successfully handling nearly 2,300 cases [7] - The event reinforced a collaborative governance framework involving regulatory guidance, corporate responsibility, and industry cooperation, aiming to enhance financial security in Shanghai [7]

Core Viewpoint - The event highlighted the importance of regulating online financial information dissemination as a systematic project that requires sustained efforts and continuous action [1] Group 1: Regulatory Actions - Since March, a joint initiative named "Clear Yangtze River · e-Enterprise Co-Governance" has been launched by various Shanghai authorities to combat illegal financial intermediaries, stock recommendations, and other issues disrupting financial market order [3] - The Shanghai Financial Regulatory Bureau has guided key financial institutions and major online platforms to establish cooperative mechanisms, utilizing big data and AI for precise monitoring and identification of illegal financial activities [3] - From 2025 onwards, the Shanghai Financial Regulatory Bureau and public security agencies have cracked 117 cases related to the banking and insurance sectors, arresting 323 suspects and involving over 3.7 billion yuan [3] Group 2: Guidelines and Initiatives - A significant outcome of the event was the release of the "Shanghai Guidelines for Handling Bad Financial Information Online," which provides standardized procedures for identifying and addressing harmful financial information [4] - The event also saw the launch of an initiative by various internet companies, including Alipay and Bilibili, to promote self-regulation in the industry, proposing seven specific measures to enhance responsibility and maintain orderly online financial information dissemination [5]

Core Viewpoint - The event highlighted the importance of regulating online financial information dissemination as a systematic project that requires continuous effort and collaboration among various stakeholders [2]. Group 1: Regulatory Actions - Since March, a joint initiative named "Clear and Bright Pujiang: e-Enterprise Co-Governance" has been launched by multiple Shanghai authorities to combat illegal financial intermediaries, stock market manipulation, and the misuse of AI in financial activities [2]. - The Shanghai Financial Regulatory Bureau has guided key financial institutions and major online platforms to establish cooperative mechanisms, utilizing big data and AI for precise monitoring and identification of illegal activities [2][3]. - A total of 117 cases related to banking and insurance have been cracked down on since 2025, leading to the arrest of 323 suspects and involving over 3.7 billion yuan in illicit funds [3]. Group 2: Guidelines and Standards - The "Shanghai Guidelines for Handling Bad Online Financial Information" was officially released, providing standardized procedures for identifying and addressing harmful financial information [3]. - The guidelines outline key aspects such as identification standards, disposal processes, and responsibility allocation for various online platforms and financial institutions [3]. Group 3: Industry Collaboration - A joint initiative was launched by several internet companies, including Qifu Technology and Alipay, to promote self-regulation and responsibility in the dissemination of online financial information [4][5]. - The initiative proposes seven specific measures across three areas: building a joint governance system, fulfilling platform responsibilities, and enhancing public education and guidance [5]. - Qifu Technology reported that it has processed nearly 2,300 pieces of illegal financial content, contributing to the purification of the online ecosystem and maintenance of financial order [4].

Group 1 - The "Clear and Bright Pujiang · e Enterprise Co-Governance" initiative aims to establish a good ecological environment for online financial information dissemination, emphasizing the need for continuous efforts and collaboration [1] - Since March, various Shanghai authorities have been working together to combat illegal financial intermediaries, stock market manipulation, and the misuse of AI technology in financial activities, ensuring the protection of citizens' rights [3] - The Shanghai Financial Regulatory Bureau has guided key financial institutions to collaborate with major online platforms, utilizing big data and AI for precise monitoring and identification of financial misconduct [3] Group 2 - The rapid development of financial technology has led to an increase in hidden and intelligent financial black and gray market activities, prompting companies like Qifu Technology to innovate in fraud prevention and case management [4] - Qifu Technology has developed a "Fraud Prevention Expert Strategy System" that integrates fraud detection, strategy formulation, intelligence analysis, and case handling, creating a comprehensive process for addressing financial misconduct [4] - As of October, Qifu Technology has collaborated with various media platforms to address nearly 2,300 instances of illegal content, contributing to a cleaner online environment and maintaining financial order [4] Group 3 - The "Shanghai Guidelines for the Disposal of Bad Financial Information" has been officially released, providing standardized procedures for identifying and handling bad financial information [5] - An initiative was launched by several internet companies, including Qifu Technology and Alipay, to strengthen industry self-regulation and promote responsibility in the dissemination of financial information [5] - The initiative outlines seven specific measures to enhance accountability and maintain a clear and orderly online space for financial information [5]

Core Insights - A covert battle fueled by AI, big data, and streaming is intensifying in the financial sector, focusing on a market order worth hundreds of billions and consumer rights [1] - The rise of illegal agency rights protection activities has surged by approximately 42% year-on-year, with 91.54% of such activities concentrated on platforms like Kuaishou, Douyin, Xiaohongshu, and WeChat [1] - Traditional risk control mechanisms are struggling to cope with the rapid evolution of black and gray market tactics, necessitating the development of advanced technological solutions [1][4] Group 1: Black and Gray Market Operations - The case of Zeng Moupeng and others highlights the organized crime network's evolution from individual complaints to a structured operation involving data acquisition, script training, and evidence forgery [2][3] - The operation involved luring clients with promises of debt reduction and credit repair, charging high service fees, and submitting false materials to pressure financial institutions [2][3] - The court case established a precedent for defining illegal agency rights protection as extortion, providing judicial guidance for similar cases nationwide [2] Group 2: Technological Countermeasures - Companies are developing a multi-faceted governance system that combines technology, collaboration, and legal frameworks to combat the increasingly sophisticated black and gray market activities [4][8] - The introduction of models such as the "black market keyword extraction & generalization model" and "black gray market routine identification model" has shown over 90% accuracy in identifying illegal activities [4][6] - The implementation of these models has significantly improved evidence collection efficiency and reduced case processing times to within a week [1][6] Group 3: Collaborative Governance - The establishment of the "Anti-Financial Black Market Alliance" (AIF) has led to over 167 member organizations collaborating to combat illegal financial activities [7] - The AIF has shared over 20.34 million pieces of black market data and facilitated the police's crackdown on 796 cases of illegal agency rights protection since its inception [7] - The development of the Tianxing Insight System has enabled precise identification and handling of black and gray market information, processing 80,000 cases this year alone [7] Group 4: Systemic Challenges and Future Directions - The governance of financial black and gray markets is a complex system involving legal, regulatory, technological, and public education components [8] - Current regulatory challenges include outdated laws, significant differences in internal regulatory standards, and a lack of public awareness regarding financial risks [8] - Future governance strategies should focus on enhancing data sharing, technological advancements, and collaborative legal frameworks to effectively combat the evolving threats posed by black and gray markets [8]

Core Viewpoint - WeBank has actively responded to regulatory requirements by launching the "Dust Removal Action" to combat illegal activities in the financial sector, achieving significant results in protecting consumer rights and maintaining market order [1][4]. Group 1: Legal Actions and Court Rulings - The Wuhan Intermediate People's Court ruled in favor of WeBank in a trademark infringement and unfair competition case against four companies controlled by the same individual, which unlawfully used the "WeBank" trademark [1][3]. - The court found that the defendants' actions, including using "WeBank" in their company names and promotional materials, were malicious and led to public confusion, constituting trademark infringement [2][3]. - The defendants were ordered to change their company names, cease infringement activities, and pay a total of 2.8 million yuan in damages and legal fees to WeBank [3]. Group 2: Impact of the "Dust Removal Action" - The "Dust Removal Action" has led to over 50 lawsuits filed by WeBank against illegal intermediaries for trademark infringement and unfair competition, with more than 30 companies changing or deregistering their names [4]. - Administrative actions have also been taken, with a fine of 20,000 yuan imposed on a company for unfair competition, demonstrating the effectiveness of WeBank's proactive measures [4]. - The initiative has fostered collaboration among regulatory, judicial, and law enforcement agencies, enhancing the effectiveness of combating illegal activities in the financial sector [4]. Group 3: Future Strategies - WeBank plans to implement systematic brand protection strategies to enhance brand value and market credibility while ensuring consumer rights are safeguarded [4].

Core Viewpoint - The "Joint Initiative" aims to combat financial black and gray industries by promoting collaborative governance, information sharing, and enhancing consumer protection to create a safer financial ecosystem [1][2]. Group 1: Challenges in Governance - Financial black and gray industries face multi-dimensional challenges, including the need for improved collaborative mechanisms and information sharing [2]. - The identification and control of hidden risks are complicated due to the lack of clear legal definitions and standards, leading to inconsistent judicial rulings [2]. - Insufficient punitive measures result in a significant imbalance between the costs and benefits of illegal activities, making effective deterrence difficult [2]. Group 2: Proposed Measures - Establish a collaborative information-sharing system to enhance risk prevention and response efficiency [2][3]. - Improve risk monitoring mechanisms and ensure financial institutions report high-risk information proactively [3]. - Standardize consumer rights protection processes to ensure quick resolution of legitimate complaints while preventing malicious claims [3]. Group 3: Responsibilities and Education - Platforms must take responsibility for verifying the qualifications of entities they host and managing risk events effectively [3]. - Develop a multi-faceted dispute resolution system to streamline complaint processes and enhance consumer protection [3]. - Conduct public education campaigns to improve financial literacy and awareness, thereby reducing the space for black and gray industries to thrive [4].

Core Insights - The financial black and gray market has expanded dramatically, growing over tenfold since 2021, resulting in property losses amounting to billions [1][2] - Cross-border scams have intensified, with foreign criminal organizations using fake customer service numbers to deceive users, posing a significant threat to financial security [2][4] Group 1: Industry Trends - The financial black and gray market is increasingly characterized by cross-border, industrialized, and technological trends, becoming an "invisible tumor" threatening public financial safety [2] - Recent police reports indicate that foreign criminal groups are deploying numerous fake customer service numbers, impersonating legitimate financial institutions to lure users into scams [2][4] Group 2: Company Initiatives - The company, along with its parent organization, is implementing a multi-faceted governance system focused on "technical defense, government-enterprise collaboration, and public education" to combat the black and gray market [3][5] - The company has collaborated with law enforcement and other departments to establish a cooperative governance mechanism, reporting 70 cases of financial black and gray market activities to the police and aiding in the arrest of 100 suspects [4] Group 3: Public Awareness and Education - The company is enhancing user awareness of cross-border scams through online and offline campaigns, including a dedicated "anti-fraud section" in its app and community outreach programs targeting vulnerable groups [5] - Educational initiatives include the creation of anti-fraud comic series and local dialect anti-fraud slogans to improve financial literacy among specific demographics [5]

Core Insights - The financial black and gray market in China has exceeded 280 billion yuan in the first quarter of 2025, reflecting a 40% increase compared to the same period in 2023, posing significant threats to consumer information security and national financial stability [1][7][9] Group 1: Financial Black and Gray Market Overview - The financial black and gray market is characterized by illegal activities such as debt evasion, malicious debt avoidance, and credit repair, which disrupt normal financial market order and threaten national financial security [1][4] - The market is not a single crime but a complete industrial chain involving information theft, illegal agency, false litigation, and money laundering [4][7] - Approximately 30% of consumer complaints in 2024 showed similarities, indicating the rapid adaptation of black and gray market activities to new technologies, complicating industry identification and governance [4] Group 2: Collaborative Governance Initiatives - The need for a collaborative governance approach involving financial institutions, regulatory bodies, industry organizations, and consumers is emphasized to build a financial safety net [4][5] - The Chongqing Municipal Financial Work Committee has proposed three initiatives: strengthening collaborative governance, focusing on technological cooperation, and building a "clean financial" environment [4] Group 3: Law Enforcement and Regulatory Actions - In March 2023, the Ministry of Public Security and the National Financial Regulatory Administration launched a special crackdown on financial black and gray market activities, emphasizing coordination between criminal law enforcement and financial regulatory agencies [5][6] - Multiple local financial regulatory agencies have issued risk warnings and conducted cluster operations against illegal financial activities [6] Group 4: Company Initiatives and Technological Empowerment - The company, Xiaoheng Data Science, has developed a comprehensive governance system for black and gray market activities, collaborating with law enforcement in various regions to combat these illegal activities [6][8] - Xiaoheng Data Science employs advanced technologies such as AI and big data to enhance risk control and consumer protection, integrating dynamic risk management and real-time monitoring systems [7][8] Group 5: Consumer Education and Awareness - The company has been actively involved in financial education initiatives to raise consumer awareness about risks and rights, particularly against scams like "debt clearance" and "free agency" [8][9] - During the Financial Education Promotion Week, the company organized activities to educate consumers on legal rights and rational consumption [8]