来源：镭射财经 1月30日，中国银行业协会正式发布《金融机构个人消费类贷款催收工作指引（试行）》。该催收指引旨在规范会员单位和外部催收机构对信用卡及个人 消费信贷催收行为，对于会员单位发放的其他类型个人贷款产品可参考本指引开展催收工作。 行业人士透露，该催收指引去年上半年已着手制定，并参照部分头部消金公司及国有大行催收标准。相比此前中互金发布的催收风控指引，监管明确要求 各银行业机构执行中银协催收指引（信托或将单独出文），并且作出相应量化考核。 中银协催收指引共七章五十四条，从加强行业自律、规范业务发展的角度，通过催收行为定义、催收行为规范、外部催收机构管理、内控管理、促进行业 健康发展等五个方面对规则进行制定。 六、禁止行为。催收人员在实施催收过程中严禁出现以下行为： 从文件导向来看，中银协催收指引既提及保护债务人合法权益，要求会员单位催收业务应依法合规开展，在本指引的行为框架内实施，不得侵害债务人的 合法权益，抵制各种形式的违规催收和暴力催收。 也明确保护债权人合法权利，确定了催收是会员单位在债务人出现违约情形后维护债权安全的正当追索行为，其追索权利及正当的追索方式均受到法律保 护，追索方式包括但不限于自 ...

Core Viewpoint - The rise of digital consumption has led to the proliferation of organized and chain-like illegal activities in the black and gray industry, posing threats to market order and consumer safety [1] Group 1: Company Initiatives - The company adheres to a "zero tolerance" principle against black and gray market activities, focusing on user rights protection and platform security governance [1] - The company is enhancing its e-commerce platform governance by leveraging supply chain, AI, and digital technology capabilities [2] - The company has established a dynamic closed-loop management system for data security, involving internal teams and external third-party assessments [2] Group 2: Collaboration with Law Enforcement - The company actively collaborates with law enforcement to combat black and gray market activities, providing critical case investigation leads [3] - Recent examples include the identification of fraudulent activities related to impersonating customer service and sending recovery messages, with evidence collected and shared with police [3] - The company emphasizes that combating black and gray market activities is a long-term systematic project, maintaining a compliance-first approach [3] Group 3: Consumer Awareness - The company advises consumers to enhance their security awareness and be cautious of inducements related to "cash recovery" and "operational order monetization" [4] - Consumers are encouraged to verify unusual situations through official channels and retain evidence for potential legal action [4] - The company commits to supporting customers in reporting incidents and collaborating with law enforcement to ensure customer fund safety [4]

Group 1: Anti-Fraud Measures - JD has established a comprehensive anti-fraud protection system in compliance with the Anti-Telecom Network Fraud Law, leveraging its industry-leading risk control capabilities [2][7] - The platform employs a multi-dimensional governance system that includes real-time transaction blocking and user alerts when fraud risks are detected, and collaborates with law enforcement for intervention when necessary [2][7] - In October, JD's risk control system successfully identified a user at risk of fraud, preventing a fraudulent transaction and recovering over 210,000 yuan for the victim, showcasing the platform's anti-fraud capabilities [2][7] Group 2: Quality Control and Compliance - JD mandates that merchants adhere strictly to national standards and has implemented stricter exclusive standards for certain categories, creating the largest product quality testing system in the industry [3][8] - The company has established a comprehensive management mechanism for intellectual property protection, which includes entry verification, routine inspections, and violation handling to address counterfeit goods [3][8] Group 3: Consumer Experience and Governance - JD is committed to continuously optimizing the consumer experience and has built a multi-dimensional governance system to ensure effective management of various violations [4][8] - The company aims to integrate internal and external resources to enhance its AI technology for combating illegal activities, contributing to a sustainable e-commerce ecosystem [4][8]