2025年6月11日，华夏银行常州邹区支行走进盛德鑫材新材料有限公司，开展了一场以"强化风险意识 保护财产安全"为主题的宣传活动。本次活动将核心聚 焦于揭露"非法代理维权"的严重风险隐患与社会危害，旨在提升企业员工对金融陷阱的识别能力与自我保护意识。 1. 保护个人信息是重要"防火墙"，务必锁牢：切勿向陌生第三方透露身份证、银行卡号、密码、短信验证码等核心敏感信息。确需提供身份证复印件时务必 注明清晰用途。 2. 维权渠道要正规，充分沟通很重要：遇到金融消费纠纷，第一步应是直接通过官方客服、网点、正规投诉渠道向金融机构反映问题，金融机构对于客户正 常合理的诉求会及时给予回应解决。 3. "捷径"诱惑是陷阱，高度警惕：对社交媒体、小广告中"百分百成功"、"内部关系"、"投诉退费退息"等夸张承诺保持绝对警惕，牢记"天上不会掉馅饼"， 不轻信、不参与。 4. 法律底线不可碰，守法维权：任何维权行为都必须在法律框架内进行，坚决拒绝参与伪造证据、编造事实、恶意重复投诉等违法活动，共同营造诚信的社 会环境。 邱国忠 非法代理维权组织常以"专业维权"、"全额退息退费"、"内部关系处理"等诱人承诺招揽客户，实则暗藏重重危机， ...

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]