以下文章来源于妙投APP ，作者董必政 妙投APP . 虎嗅旗下二级市场投研服务品牌，为您提供精选上市公司价值拆解，热门赛道产业链梳理 如果你交了几年保险金，突然不想续保。 那你可要注意了。 退保意味着，你此前几年交的保费几乎退还不了多少到你的账户。 你想让保险公司多退你点。于是，你的需求催生了一个黑灰产生意——（非法）代理维权。 "他们就是纯骗，真的是太猖狂了，我已经报警了"，王芳（化名）愤怒地说。 出品 | 妙投APP 作者 | 董必政 编辑 | 关雪菁 头图 | AI制图 （图片来源：当事人提供） 王芳本想帮老公退掉保险，在某互联网平台上找到了可以"高额退保"的代理维权机构。最后，不仅 事情没有办成，还被骗了1500元。 "他们拉了一个群里面有7个人，有所谓的法务、退保老师"，王芳告诉妙投。 妙投一琢磨，7个人，1500元他们够分吗？一人赚200？ 由此，妙投开始使劲琢磨，结果发现代理维权这个黑灰产，了不起、成体系，用流量漏斗精准筛选 到了王芳这样的人群，并做了非常有效地转化。 据虎嗅妙投向金融人士了解，黑灰产在某单一流量平台一年的投放费用就超过几十亿元，占整个北 京金融机构投放总额的10%左右。 不仅 ...

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]