21世紀經濟報道 記者李愿 北京報道

9月11日，中國(guo)互(hu)聯網(wang)金(jin)融協會(hui)發(fa)布消息顯示，日前，中國(guo)互(hu)聯網(wang)金(jin)融協會(hui)金(jin)融科技(ji)發(fa)展與(yu)研究專委(wei)會(hui)、互(hu)聯網(wang)消費金(jin)融與(yu)網(wang)絡借貸專委(wei)會(hui)在杭州(zhou)舉辦“深入推動黑灰(hui)產治理 共筑金(jin)融健康生態(tai) 助力(li)消費金(jin)融行業高質(zhi)量發(fa)展”工作研討(tao)會(hui)。

此次會議(yi)(yi)期(qi)間(jian)，參會的17家消(xiao)金(jin)公司聯合發布《消(xiao)費金(jin)融(rong)行業(ye)催(cui)收(shou)自律倡議(yi)(yi)》（下(xia)稱(cheng)《倡議(yi)(yi)》），共同發出強化(hua)制度(du)建設、規(gui)范(fan)業(ye)務管理、落實金(jin)融(rong)機構對第(di)三方催(cui)收(shou)機構管理責任、注(zhu)重個(ge)人信息安全保護、優化(hua)投訴處理、促進(jin)催(cui)收(shou)業(ye)務規(gui)范(fan)健康(kang)發展的倡議(yi)(yi)。

具體包(bao)括探索人工(gong)智能技術開展催(cui)收(shou)(shou)作(zuo)業，提倡包(bao)容性設(she)計，防(fang)止不公平(ping)歧視(shi)，控制(zhi)風險隱患(huan)；落(luo)實(shi)金融消(xiao)費者權益保(bao)(bao)護相(xiang)關要求，及時響應(ying)并(bing)妥善(shan)處理消(xiao)費者投(tou)訴，與投(tou)訴人保(bao)(bao)持溝(gou)通，避免(mian)矛(mao)盾激化，并(bing)深入研究分析投(tou)訴原(yuan)因，制(zhi)定有效的改(gai)進措施；在相(xiang)關主管部門和行業協會(hui)的指導下(xia)加強合作(zuo)，建立協同自律工(gong)作(zuo)機制(zhi)推動(dong)催(cui)收(shou)(shou)業務信(xin)息共享，共同應(ying)對黑(hei)灰產帶來的危害等。

據了(le)解，《倡議》是為響應落(luo)實中國互(hu)聯(lian)網(wang)(wang)(wang)(wang)金(jin)融(rong)協會前期發(fa)布的(de)《互(hu)聯(lian)網(wang)(wang)(wang)(wang)金(jin)融(rong)貸后(hou)(hou)催(cui)收(shou)業務(wu)指引(yin)(yin)》，該指引(yin)(yin)發(fa)布于(yu)2024年5月，旨(zhi)在進(jin)一步規(gui)范互(hu)聯(lian)網(wang)(wang)(wang)(wang)金(jin)融(rong)貸后(hou)(hou)催(cui)收(shou)業務(wu)，保護債(zhai)(zhai)權人(ren)、債(zhai)(zhai)務(wu)人(ren)及(ji)相關當事人(ren)的(de)合法權益(yi)，促(cu)進(jin)消(xiao)費(fei)(fei)金(jin)融(rong)業務(wu)健康(kang)有序發(fa)展。《互(hu)聯(lian)網(wang)(wang)(wang)(wang)金(jin)融(rong) 個人(ren)網(wang)(wang)(wang)(wang)絡(luo)消(xiao)費(fei)(fei)信貸 貸后(hou)(hou)催(cui)收(shou)風控(kong)指引(yin)(yin)》國家標準發(fa)布實施后(hou)(hou)，將替代(dai)該指引(yin)(yin)。

在(zai)此次會議(yi)上(shang)，中國(guo)互聯網金(jin)融(rong)(rong)(rong)協會會長單(dan)強致辭(ci)時表示，近年來，金(jin)融(rong)(rong)(rong)“黑灰產(chan)(chan)”活動日益呈現(xian)(xian)出專業化、規(gui)模化、復雜化、隱蔽化、擴散化等新特征，給(gei)消費金(jin)融(rong)(rong)(rong)行業高質量發展帶來嚴峻挑戰。加強金(jin)融(rong)(rong)(rong)“黑灰產(chan)(chan)”治理、共筑金(jin)融(rong)(rong)(rong)健(jian)(jian)康生(sheng)態，是踐行金(jin)融(rong)(rong)(rong)工作(zuo)政(zheng)治性(xing)(xing)、人民性(xing)(xing)的重(zhong)要體(ti)現(xian)(xian)，需要凝聚政(zheng)產(chan)(chan)學各方智慧和(he)力(li)(li)量，進一步(bu)健(jian)(jian)全相關(guan)制度規(gui)則體(ti)系，著力(li)(li)提(ti)升從業機構應對(dui)能(neng)力(li)(li)，扎實開展金(jin)融(rong)(rong)(rong)教育和(he)數字金(jin)融(rong)(rong)(rong)素養建設。

與會代表一致認為(wei)，加強金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)“黑(hei)灰(hui)產(chan)”治理(li)、開展消費者金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)教(jiao)育和(he)數字金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)素(su)(su)養(yang)建(jian)設(she)對于營(ying)造(zao)健康(kang)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)生態、促進消費金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)行(xing)業高(gao)質量發(fa)(fa)展具有重要意義。應圍繞(rao)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)“黑(hei)灰(hui)產(chan)”治理(li)體(ti)系、制度(du)規則、系統建(jian)設(she)、信息共(gong)享等重點領(ling)域(yu)(yu)持(chi)續發(fa)(fa)力(li)、協同(tong)推進，不斷形成(cheng)應對金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)“黑(hei)灰(hui)產(chan)”的合(he)力(li)，共(gong)同(tong)為(wei)消費金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)行(xing)業健康(kang)發(fa)(fa)展營(ying)造(zao)良好環境。同(tong)時，聚焦金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)教(jiao)育體(ti)系建(jian)設(she)、知(zhi)識供給、渠(qu)道優(you)化等重點領(ling)域(yu)(yu)，著(zhu)力(li)提(ti)高(gao)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)教(jiao)育的精準性、靈活性和(he)適用性，切實提(ti)升(sheng)消費者數字金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)素(su)(su)養(yang)水平(ping)和(he)對金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)“黑(hei)灰(hui)產(chan)”侵擾的防(fang)范意識。

聯(lian)合(he)發布《倡議》的17家(jia)消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)公司分(fen)別(bie)為錦程消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、海(hai)爾消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、招聯(lian)消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、湖北消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、南銀法巴消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、杭(hang)銀消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、寧銀消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、晉商(shang)消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、蒙商(shang)消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、中原消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、幸福(fu)消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、尚誠(cheng)消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、中信(xin)消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、平(ping)安消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、小米(mi)消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、螞蟻(yi)消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)、蘇銀凱基消(xiao)(xiao)(xiao)(xiao)金(jin)(jin)(jin)。