Core Viewpoint - The Beijing Financial Regulatory Bureau is taking strong measures to combat illegal loan intermediaries, aiming to protect the rights of financial consumers through a comprehensive approach that includes strict responsibilities and full coverage of monitoring efforts [1][2][3][4][5]. Group 1: Regulatory Measures - The bureau has implemented a "strong responsibility" framework, prohibiting institutions from collaborating with illegal loan intermediaries and preventing bank employees from colluding with these entities [2]. - A "full coverage" strategy is being employed, utilizing big data analysis and routine supervision to identify suspected illegal loan intermediaries [3]. - The bureau plans to enhance collaboration with relevant departments to intensify the crackdown on illegal financial activities and improve the handling of harmful online financial information [4]. Group 2: Consumer Protection - The bureau emphasizes the need for strict and swift punishment of bank employees involved in illegal loan intermediary activities to deter such practices [5]. - Financial consumers are urged to remain vigilant against illegal loan intermediaries, to protect their personal credit and avoid falling into traps that could lead to significant financial loss [9]. Group 3: Illegal Practices - Illegal loan intermediaries often employ deceptive marketing tactics, claiming low-interest loans and partnerships with banks, while charging exorbitant service fees that inflate the actual cost of loans [8]. - They may assist borrowers in fabricating loan application materials, targeting individuals with insufficient credit or small businesses, sometimes colluding with bank employees to secure loans through fraudulent means [8]. - Some intermediaries engage in "loan sharking" practices, coercing borrowers into signing inflated loan agreements and using various illegal methods to seize borrowers' assets [8].

Core Viewpoint - The rise of illegal financial intermediaries posing as legitimate service providers has become a significant threat to financial consumers, necessitating urgent action to protect consumer rights and maintain financial order [1][2][5]. Group 1: Common Scams - The article identifies four prevalent scams perpetrated by illegal financial intermediaries, including loan intermediary scams, insurance claim fraud, credit repair lies, and malicious debt evasion tactics [2][3][4]. - Loan intermediary scams often involve promises of low-interest, unsecured loans, leading consumers to pay fees without receiving the promised funds [2]. - Insurance claim fraud involves misleading advertisements that encourage consumers to use non-official channels for claims, often resulting in identity theft [3]. - Credit repair scams claim to erase negative credit history for a fee, but typically fail to deliver on these promises [2][3]. Group 2: Money Traps - The article outlines three main tactics used by illegal financial intermediaries to exploit consumers: verbal traps, contract confusion, and information trafficking [4]. - Verbal traps leverage consumers' lack of knowledge about legitimate financial processes, using misleading language to gain trust [4]. - Contract confusion arises from hidden clauses and complex agreements that disadvantage consumers [4]. - Information trafficking involves selling personal data for illegal activities, further endangering consumers [4]. Group 3: Consumer Protection Measures - Financial consumers are advised to seek services from legitimate channels and verify the identity and qualifications of financial intermediaries through official resources [5][6]. - Consumers should be cautious of unsolicited financial offers and protect their personal information from unauthorized platforms [6]. - Regulatory bodies emphasize that legitimate financial institutions do not charge fees before loan disbursement, and any requests for upfront payments should be treated as potential scams [7].

记者丨 黄子潇 编辑丨孙超逸 截至发稿，已有建设银行、工商银行、中国银行、农业银行、交通银行、邮储银行、招商银 行、平安银行、华夏银行、中信银行、浦发银行、渤海银行、广发银行、北京银行、上海银 行、广州银行、华润银行、华兴银行的深圳分行，以及深圳农商银行等 19家银行 发布了相关 声明。 7月15日，南方财经记者注意到， 深圳超15家银行密集发布声明，称某贷款中介机构假冒合作 方揽客。 其中，多家银行直接点名 该贷款中介为鑫心惠邻（深圳）咨询服务有限公司 ，表示该涉事机 构在相关门店、附近小区电梯广告位打出"降息优化""携手XX 银行"等宣传广告，并声称多家 银行为其战略合作伙伴，扰乱金融秩序。 值得注意的是，7月15日和16日，鑫心惠邻在公众号上两次发布推文回应，表示6月份因为"不 严谨"占用了公共资源，张贴了银行标签，该公司已经全面整改，并强调没有和任何金融机构 有合作。 不过这一说法与多家银行公告中"冒充银行合作机构"的声明存在矛盾。 南方财经记者获悉，相关部门已介入调查。 企查查显示，鑫心惠邻（深圳）咨询服务有限公司成立于2024年11月，注册资本1000万元， 注册地址位于龙华区，经营范围包括融资咨 ...