Core Viewpoint - The article highlights the emergence of a predatory debt planning industry that exploits individuals in financial distress, despite regulatory crackdowns and previous rejections by loan platforms [1][8]. Group 1: Industry Practices - Numerous companies are hiring debt planners and credit management specialists, offering salaries as high as 500 RMB per hour, to attract a large pool of indebted individuals [2][5]. - The recruitment process emphasizes finding clients through social media, short videos, and other online platforms, while also utilizing illegal data acquisition methods to target potential victims [2][4]. - The industry has developed a modular approach, with organized operations that include creating fake legal documents and using deceptive marketing tactics to lure clients [3][5]. Group 2: Risks to Consumers - Consumers are often misled into paying high service fees for ineffective debt solutions, which can lead to further financial distress and potential identity theft [6][10]. - The article notes that some organizations may disappear after collecting fees, leaving clients with unresolved debts and damaged credit records [6][10]. - There is a growing trend of using fraudulent practices, such as identity theft to secure new loans, exacerbating the debt crisis for individuals [6][10]. Group 3: Regulatory Response - Regulatory bodies and law enforcement agencies are increasing efforts to combat the rise of fraudulent debt optimization schemes, emphasizing the need for collaboration among financial institutions, platforms, and regulators [7][9]. - New measures include stricter advertising regulations on social media platforms and enhanced scrutiny of debt-related services to protect consumers from scams [9][10]. - Experts suggest that clearer regulations and better consumer education are essential to mitigate the risks associated with these predatory practices [10][11].

Core Viewpoint - The rapid success of "Zhenxiang Future Legal Consulting (Shenzhen) Co., Ltd." in winning multiple government legal service contracts has raised questions about the company's qualifications and the integrity of the bidding process [1][3][4]. Company Overview - Zhenxiang Future was established in August 2022 with a registered capital of 1 million RMB and has only four employees [4][5]. - The company has secured over 10 million RMB in various government contracts from 2023 to 2025 [4]. Contract Details - The company won three contracts in 2025, including a 347,862.8 RMB project from the Shenzhen Housing Provident Fund Management Center [5]. - In 2024, Zhenxiang Future won eight projects, with the largest contract amounting to 5.91 million RMB from the same housing fund management center [5]. Industry Concerns - Legal professionals have expressed skepticism regarding the company's ability to deliver quality services given its limited size and experience [5][6]. - The transition of Zhenxiang Future from a digital technology company to a legal consulting firm in April 2024 has been criticized as a strategic move to exploit public resources [7][8]. Qualification Issues - The company holds only three non-legal certifications related to environmental management and quality systems, which raises concerns about its qualifications for legal services [8][10]. - The bidding process for contracts has been questioned, particularly regarding the criteria that favored Zhenxiang Future's existing certifications over traditional legal qualifications [10][12]. Regulatory Context - The Shenzhen Housing Provident Fund Management Center's procurement process has been defended as compliant with regulations, although the criteria have been criticized for potentially excluding qualified law firms [12][14]. - The low management fees associated with smaller companies like Zhenxiang Future may have influenced the decision to award contracts to them instead of established law firms [14].

Core Viewpoint - The case highlights the risks associated with "debt optimization" services, which may involve fraudulent practices and lead to financial and legal repercussions for consumers [2][9]. Group 1: Consumer Experience - A consumer from Ji'an, Jiangxi Province, named Mr. Xiao, faced financial difficulties due to overdue online loans totaling over 40,000 yuan and sought help from a Shanghai legal consulting company for "debt optimization" [3][5]. - After paying a service fee of 3,600 yuan, Mr. Xiao did not achieve the promised debt relief and continued to receive collection notices [5][6]. - The consulting company refused to refund the service fee, claiming they had undertaken substantial work, without providing a clear explanation for the failure of the "debt optimization" [5][6]. Group 2: Legal Implications - The agreement signed by Mr. Xiao lacked specific operational details, raising concerns about the legitimacy of the services offered [6][7]. - There are allegations that the consulting company may have attempted to forge medical documents to apply for loan extensions, which could constitute a violation of Chinese law [8][11]. - Legal experts warn that such fraudulent practices could lead to severe consequences for consumers, including damage to credit ratings and potential legal action for involvement in forgery [11]. Group 3: Industry Response - Authorities are increasingly targeting illegal financial activities, including fraudulent "debt optimization" schemes, as part of a broader crackdown on financial crime [11]. - Consumers are advised to preserve evidence and report any fraudulent activities to local law enforcement to protect their rights [11].

在特朗普2.0的背景下，全球贸易争端再升级，全球产业链格局正经历深刻的变化，从 "不出海，就出 局" 到如今 "盲目出海也出局" 的新共识，中国企业不得不再次重新审视和调整其在全球范围内的布 局。 随着出海和跨境电商企业的业务迅猛发展， 复杂多变的海外税收环境和各国不尽相同的税制 给出海和 跨境电商企业带来巨大的海外经营和财税合规风险，企业涉税暴雷事件频传。 随着出海企业越来越多，出海相关的业务需求也日益增多， 税务师、律师、会计师等中介机构如何帮 助企业做好出海规划，获取高价值业务？ 鉴于此， 梧桐课堂 特联合麒瑞丰，于 2025年3月28-30日 在 苏州 ，举办 《跨境电商·出海企业股权架 构设计与税务风险管理》 线下培训。 主讲嘉宾 叶永青 金杜律师事务所高级合伙人 ● 拥有20多年国内外税务项目经验，在对外投资、国际税收及转让定价等国内外税务领域积累了丰 富的项目经验 ● 曾担任德勤上海的税务合伙人,负责德勤华东地区的主要工作并在徳勤美国工作多年，专注于国际 税收筹划和转让定价工作 ● 2014-2024年被《法律500强》评为"领先律师" ● 2014-2024年被《钱伯斯亚太概览》评为中国税务领 ...