12月25日，公安部在京召开专题新闻发布会，通报公安部和国家金融监督管理总局联合部署开展金融领 域"黑灰产"违法犯罪集群打击工作举措成效情况，并公布十大典型案例。 据介绍，今年6月至11月，全国公安经侦部门立案查处金融领域"黑灰产"犯罪案件1500余起，打掉职业 化犯罪团伙200余个，涉案金额累计近300亿元，有效净化金融市场生态，全力维护国家金融管理秩序和 安全稳定。 职业背债模式尤为猖獗 "只要征信良好、凭身份证明就可获得银行贷款，贷款到账后再和贷款公司比例分成，个人不需要还 钱。"这样听起来"天上掉馅饼"的好事，背后实际上暗藏着一条吞噬金融秩序的"黑灰产"链条。 在贷款行业里，一些"征信正常，无房、无车、无资产"的人员，通常被称为"征信白户"。这些"征信白 户"多居住在农村，平常没有银行贷款，但由于法律意识淡薄，诈骗团伙常诱使他们充当"背债人"，规 模性套取巨额银行贷款。 贷款诈骗领域的"职业背债""白户包装"模式尤为猖獗。犯罪团伙通常以"低风险、高回报"为诱饵，招募 征信无异常的普通人充当"背债人"，通过话术培训、伪造全套经营资料和资产证明，甚至勾结银行内部 人员打通审核通道，骗取高额贷款后将还款压力 ...

Group 1 - The Supreme People's Procuratorate released four typical cases of illegal fundraising crimes, highlighting the need for increased vigilance among investors [1][4] - In the case involving Zhou and Li, a Shanghai company illegally raised over RMB 50.3 billion from the public between August 2013 and December 2021, with an unpaid amount of RMB 15.4 billion [1] - The company promoted retirement and travel-related financial products through unauthorized channels, promising guaranteed principal and fixed returns [1] Group 2 - In another case, a company created a false foreign exchange trading platform, misleading investors into believing they could achieve high returns through professional account management [2] - The investigation revealed that the platform did not engage in real foreign exchange trading, with most funds used for repayment and personal expenses [2] - Additional cases involved online lending platforms and companies falsely claiming to conduct gold trading, both resulting in significant losses for investors [4]