国家网信办 金融监管总局集中整治网上金融“黑灰产”信息乱象

The authorities have closed accounts accused of selling courses or services that encourage borrowers to avoid legitimate debts, policyholders to make malicious complaints, and consumers to pay for false credit-repair promises. For compliance teams, the immediate risk is not a new rulebook but a rise in third-party-mediated complaints, fabricated misconduct claims, customer data misuse and reputational exposure. Banks, insurers and consumer credit firms should strengthen complaint triage, challenge suspicious '代理维权' patterns, monitor social-media and agent activity, and train frontline staff to spot illegal intermediation.

Firms should also preserve evidence, report suspected scams and reinforce customer education on debt negotiation, full surrender and credit whitening. The campaign signals continuing supervisory focus on market conduct, consumer protection and financial crime risks arising from online channels. Actionable steps include reviewing debt collection and claims handling, tightening third-party oversight, enhancing data protection controls and coordinating with legal and communications teams.

No specific deadline is stated, but firms should treat the issue as ongoing and expect further enforcement against online accounts and intermediaries.