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 ...

Core Viewpoint - The recent judicial ruling marks a significant breakthrough in combating financial black and gray industries, specifically defining illegal agency behavior in the loan assistance sector as extortion, which raises the legal stakes for similar cases [1][6]. Summary by Sections Judicial Ruling and Legal Implications - The case represents the first instance of classifying illegal agency behavior in the loan assistance industry as extortion, establishing a legal precedent that could deter similar actions in the future [1][6]. - The court's decision highlights that coercing financial institutions to waive fees through malicious complaints constitutes extortion, thus clarifying the legal boundaries for such actions [6]. Case Details - The defendants, including Zeng Moupeng, were found guilty of extortion and violating personal information laws, with the total amount involved exceeding one million yuan [3][4]. - The court imposed sentences ranging from three years and ten months to eight years and six months, along with fines between 50,000 and 120,000 yuan [4]. Characteristics of Financial Black and Gray Industries - Financial black and gray industries are evolving, becoming more technical, scenario-based, and professional, utilizing various platforms for illegal activities [7]. - These industries often disguise themselves as legal entities, employing deceptive marketing tactics to lure consumers while engaging in illegal practices such as fabricating evidence and malicious complaints [7]. Ongoing Actions Against Financial Crimes - Authorities are actively responding to the changing landscape of financial black and gray industries, with initiatives to combat fraud and misinformation set to take place from September to December 2025 [8]. - Legal experts suggest a comprehensive approach to dismantle the entire criminal network, including those providing client information and technical support, to effectively address the issue [8].

Core Viewpoint - The article discusses the rise of illegal proxy rights protection agencies that exploit consumers seeking to cancel insurance policies, highlighting their organized operations and sophisticated marketing strategies [14][15][21]. Group 1: Operation of Illegal Proxy Rights Protection - The illegal proxy rights protection industry operates in a corporate manner, with structured management and processes similar to legitimate financial institutions [19][20]. - A recent police operation dismantled a proxy rights protection gang, arresting 24 suspects and seizing 2,000 mobile phones used for complaints [18]. - These agencies utilize a large number of mobile phones to file complaints, indicating a high volume of business and a well-organized operation [19][20]. Group 2: Customer Acquisition Strategies - Proxy rights protection agencies employ professional marketing tactics, including purchasing phone numbers and creating fake accounts on various platforms to attract customers [23][29]. - They impersonate legitimate legal entities to gain consumer trust, often using social media to disseminate misleading information [24][27]. - The cost of acquiring customers has increased significantly, yet the profitability of these operations remains high, indicating a robust business model [28][29]. Group 3: Consumer Conversion Tactics - Consumers are often lured into these schemes through persuasive tactics, including showcasing successful case studies and providing false assurances of service quality [32][34]. - The fee structure typically involves upfront payments, with some agencies taking up to 30% of the refund amount as commission [35][36]. - Many consumers report being misled about the process and timelines, leading to frustration and financial loss [39][44]. Group 4: Malicious Complaints and Legal Risks - Some proxy rights protection agencies engage in malicious complaints against financial institutions, using forged documents to exert pressure [49][51]. - The prevalence of fraudulent complaints has surged, with a significant increase in financial-related complaints reported [51]. - Consumers who become involved with these agencies may inadvertently participate in illegal activities, exposing themselves to legal risks [50]. Group 5: Need for Regulatory Action - The article emphasizes the need for government intervention to address the low legal risks associated with illegal proxy rights protection [55][60]. - Financial institutions express concerns about the potential for increased imitation of illegal practices if exposed [53][54]. - There is a call for the establishment of a blacklist system to identify and track these illegal operations, promoting industry-wide cooperation [59][60].

Core Viewpoint - The rise of illegal securities investment advisory agencies exploiting investors, particularly the young, through deceptive claims of full refunds and successful rights protection, is a growing concern in the capital market [1][2]. Group 1: Illegal Practices - Recent advertisements for securities investment advisory agencies promise full refunds and no fees for unsuccessful claims, misleading many investors [1]. - These agencies, lacking legal qualifications, induce investors to share sensitive personal and financial information, exposing them to privacy risks and potential fraud [1]. - The agreements often contain unfavorable terms, such as high service fees or deposits, and may lead to the agency absconding with refund funds [1]. Group 2: Contributing Factors - The proliferation of illegal rights protection services is fueled by investors' desperation to recover losses and their impatience with formal channels [2]. - Some securities investment consulting firms, fearing complaints from clients, choose to appease unreasonable demands, inadvertently encouraging these illegal practices [2]. - The avoidance of legitimate claims by consulting firms when faced with regulatory scrutiny pushes investors towards gray market solutions [2]. Group 3: Regulatory Response - In April, regulatory bodies including the National Financial Regulatory Administration and the China Securities Regulatory Commission issued guidelines to combat illegal rights protection practices and promote a healthy market environment [2][3]. - Collaboration among financial, police, and judicial departments is essential to enhance enforcement and deter illegal activities [3]. - Investor education is crucial to raise awareness about fraudulent practices and improve legal literacy, helping investors avoid traps [3]. Group 4: Industry Responsibility - Securities investment consulting firms must establish efficient complaint handling mechanisms to reduce the cost of rights protection for investors [3]. - Industry self-regulatory organizations should implement measures to facilitate non-litigation dispute resolution, ensuring timely compensation for investors [3]. - A robust protective framework is necessary to support the high-quality development of the capital market and prevent the emergence of illegal practices [3].

Core Viewpoint - The rise of illegal securities investment advisory agencies exploiting investors through false claims of full refunds and quick resolutions highlights a significant issue in the financial market, particularly affecting younger investors [1][2][3] Group 1: Illegal Practices - Recent advertisements for illegal securities advisory services promise full refunds and no fees for unsuccessful claims, misleading many investors [1] - These agencies, lacking legal qualifications, induce investors to share sensitive personal information, risking privacy breaches and potential fraud [1] - The agreements often contain unfavorable terms, including high service fees, and may lead to the agency absconding with refunded funds [1] Group 2: Contributing Factors - The proliferation of these illegal practices is attributed to investors' desperation following losses and a lack of patience for legitimate channels [2] - Some securities consulting firms, fearing complaints from clients, choose to appease unreasonable claims, inadvertently encouraging such illegal activities [2] - The avoidance of legitimate claims by firms facing scrutiny pushes investors towards these gray market solutions [2] Group 3: Regulatory Response - In April, regulatory bodies including the National Financial Regulatory Administration and the China Securities Regulatory Commission issued guidelines to combat illegal advisory practices and improve financial dispute resolution [2][3] - A collaborative effort among financial, police, and judicial departments is necessary to enhance enforcement and deter fraudulent activities [3] - Investor education is crucial to raise awareness about the risks of illegal advisory services and to promote legitimate avenues for dispute resolution [3] Group 4: Industry Responsibility - Securities consulting firms must establish efficient complaint handling mechanisms to reduce the cost of legitimate claims and limit the appeal of illegal services [3] - Industry self-regulatory organizations should implement measures to facilitate non-litigation dispute resolution and enhance accountability [3] - A robust protective framework is essential for the sustainable development of the capital market, ensuring that legitimate investor rights are upheld [3]

Group 1 - The core focus of the event was to reveal the serious risks and social harms associated with "illegal agency rights protection" and to enhance employees' ability to identify financial traps and self-protection awareness [1] - Illegal agency rights protection organizations often lure clients with enticing promises such as "professional rights protection," "full refund of interest and fees," and "internal relationship handling," which conceal significant risks and undermine social integrity [1] - The event included real case analyses to vividly illustrate the common tactics and dangers of these organizations, emphasizing that there are legitimate channels for credit rights protection that are more convenient [1] Group 2 - The "zero-distance" educational activity helped employees improve their awareness of financial risks related to illegal agency rights protection and effectively strengthened their awareness of legitimate rights protection [2] - This initiative contributes to building a safer, more stable, and trustworthy regional financial ecosystem [2] Group 3 - Personal information protection is a crucial "firewall," and individuals should not disclose sensitive information such as ID cards, bank account numbers, passwords, and SMS verification codes to unknown third parties [4] - The first step in addressing financial consumer disputes should be to communicate directly through official customer service, branches, or legitimate complaint channels to ensure timely responses from financial institutions [4] - There is a need for heightened vigilance against tempting "shortcuts" that promise "100% success," "internal relationships," or exaggerated claims of refunds, as these are often traps [4] Group 4 - All rights protection actions must be conducted within the legal framework, and individuals should refuse to engage in illegal activities such as fabricating evidence or maliciously repeating complaints [5]

Group 1 - The article highlights the diverse roles and skills acquired by the journalist, transitioning from a financial reporter to a multifaceted researcher and content creator in the digital finance sector [2][3] - The journalist has produced 15 research reports in the digital finance field over seven years, starting from a focus on internet finance supervision and evolving into broader industry insights [3][6] - The journalist emphasizes the importance of continuous learning and adaptation in the rapidly changing financial and technological landscape, engaging in various research topics including aging, digital life, and artificial intelligence [8][9] Group 2 - The journalist's work includes in-depth investigations into illegal practices in the financial sector, contributing to significant reports that have been referenced by peers and industry professionals [5][6] - The journalist has also ventured into video content creation, launching several short video series aimed at educating the public on financial topics and industry trends, showcasing a blend of serious journalism with creative outreach [9][10] - The upcoming video series "AI又整啥?" aims to address AI risks and trends in an engaging manner, reflecting the industry's shift towards integrating technology in content delivery [10][11]

Core Viewpoint - The rise of "legal consultation" scams poses significant risks to consumers, prompting calls for increased awareness and regulatory measures to protect consumer rights [1][2][3] Group 1: Scam Characteristics - "Legal consultation" scams often lure consumers into signing agreements that require high upfront fees, leading to increased debt burdens and potential financial traps [2] - Scammers exploit the urgency of debtors under collection pressure, capitalizing on their lack of knowledge about legitimate processes [2] - The complexity and obscurity of these scams make them difficult to prosecute, as they often involve online channels and virtual identities [2] Group 2: Regulatory Responses - Recent joint statements from financial regulatory bodies emphasize the need for coordinated efforts to address the "agent rights protection" chaos in the financial sector [2] - Financial institutions are enhancing risk warnings and consumer education initiatives to raise awareness about the dangers of illegal agent rights protection [2][3] Group 3: Recommendations for Platforms - Experts suggest that short video platforms should implement mandatory risk warnings for keywords like "legal consultation" and conduct strict screenings to reduce the space for illegal activities [3] - There is a call for increased law enforcement efforts and the use of technology, such as AI, to monitor and combat the spread of illegal financial information [3]