假维权，真骗局！119万大数据揭秘"灰产"，持牌企业100%中招！窝点网站大揭发
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<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">随着我国个人投资者数量爆发式增长，<span style="color: black;">有些</span><span style="color: black;">违法</span>分子<span style="color: black;">亦</span>蠢蠢欲动，各式证券类骗局频出。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">券商中国记者调查<span style="color: black;">发掘</span>，自2019年就“冒芽”的虚</span><span style="color: black;">假网络代理维权，<span style="color: black;">迄今</span>仍然层出不穷，<span style="color: black;">况且</span><span style="color: black;">已然</span><span style="color: black;">再也不</span>仅限于传统的网站、<span style="color: black;">微X</span>平台，<span style="color: black;">亦</span>进入了雪球、小红书等新兴平台，呈现愈演愈烈之势。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">所说</span>虚假网络“代理维权”，即<span style="color: black;">关联</span>个人或<span style="color: black;">公司</span>打着“代理维权”的幌子，<span style="color: black;">经过</span>“制作<span style="color: black;">文案</span>模板-人工<span style="color: black;">干涉</span>细节文本-批量生产<span style="color: black;">文案</span>”的<span style="color: black;">招数</span>，在网络上发布经某某“职业维权”<span style="color: black;">帮助</span>成功追回的“案例”，将编造的海量<span style="color: black;">消极</span>信息<span style="color: black;">做为</span>引流手段，吸引投资者支付维权费，并碰瓷券商、期货<span style="color: black;">机构</span>、证券投资咨询<span style="color: black;">机构</span>等金融<span style="color: black;">公司</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">传统的证券诈骗<span style="color: black;">常常</span>许诺投资者较高的收益率，利用投资者投入少量资金短期内就能收到“<span style="color: black;">巨额</span><span style="color: black;">报答</span>”的心理，设下诱饵。但偏偏有<span style="color: black;">违法</span>分子反其道而行之，口口声声说着“让投资者擦亮眼睛”“谨防诈骗”，以<span style="color: black;">帮忙</span>投资者“维权”“追回损失”之名，行着诈骗与敲诈之实。</span></p>虚假网络维权<span style="color: black;">招数</span>深<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">虚假网络维权<span style="color: black;">招数</span>有多深？口口声声喊着让你“<span style="color: black;">重视</span><span style="color: black;">危害</span>，谨防诈骗”“收集证据<span style="color: black;">守护</span><span style="color: black;">自己</span>权益”的<span style="color: black;">文案</span>，<span style="color: black;">背面</span>目的却并不单纯。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">自2019年<span style="color: black;">败兴</span>，网络上各式各样的<span style="color: black;">所说</span>“代理维权”<span style="color: black;">文案</span>就层出不穷。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">“惊天黑幕”“骗局大<span style="color: black;">揭发</span>”“XX<span style="color: black;">公司</span>恶意喊单害人不浅”“受害者亲述骗局<span style="color: black;">招数</span>”……券商中国记者<span style="color: black;">重视</span>到，在百度、<span style="color: black;">微X</span>、贴吧、QQ等社交平台上，以“退款”“维权”“追回”等关键词进行搜索,就能够<span style="color: black;">发掘</span><span style="color: black;">海量</span>“职业维权”的信息。如此共情的标题和描述，让许多投资失败的投资者找到了情感归属，认为有可能追回投资损失。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ8XxCH5ASmg~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=YSDUkVBudBqDkHgRhAVkeZ6uQ6k%3D" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">乃至</span>于，在各类搜索引擎上搜索证券、期货、投资咨询<span style="color: black;">机构</span>名字，都能看到<span style="color: black;">许多</span>维权信息，这些信息大同小异、真伪难辨。网络上<span style="color: black;">显现</span>了不少维权个体或<span style="color: black;">公司</span>，号<span style="color: black;">叫作</span>自己是专业的律师团队，能够<span style="color: black;">快速</span><span style="color: black;">帮忙</span>投资者讨回在<span style="color: black;">违法</span>交易平台的经济损失。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">从维权<span style="color: black;">文案</span>或帖子的内容来看，<span style="color: black;">常常</span>大同小异、似是而非。先给出<span style="color: black;">揭发</span>平台名<span style="color: black;">叫作</span>，再以投资者的口吻介绍“上当受骗”经历，<span style="color: black;">包含</span>：平台业务员承诺“高收益零<span style="color: black;">危害</span>”，购买咨询服务后产生<span style="color: black;">海量</span>投资亏损；被拉到股票群缴纳服务费，但亏损越来越多；购买专业软件后亏损越来越多……方式<span style="color: black;">办法</span>林林总总，关键字却总离不开“服务费”、“亏损”和“受骗”。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">在<span style="color: black;">文案</span>的<span style="color: black;">起始</span>或最后，总会<span style="color: black;">显现</span>发帖者的<span style="color: black;">最后</span>目的：“正义只会迟到但从来不会缺席，法律咨询<span style="color: black;">微X</span>/<span style="color: black;">tel</span>：XXX，帮你伸张正义，追回亏损。”“当<span style="color: black;">发掘</span>自己<span style="color: black;">上当</span>的时候，<span style="color: black;">第1</span>时间不是等待，应该积极采取行动，冷静的收集好<span style="color: black;">上当</span>证据，寻找XX法援，在<span style="color: black;">第1</span>时间抓住问题的关键！<span style="color: black;">才可</span>最快的挽回损失！”。发帖者还会留下<span style="color: black;">必定</span>的维权联系方式，鼓动投资者<span style="color: black;">第1</span>时间寻找<span style="color: black;">所说</span>“专业维权人士”的<span style="color: black;">帮忙</span>，“挽回<span style="color: black;">上当</span>的血汗钱”。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">殊不知，这只是职业“网络维权”团队的<span style="color: black;">招数</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">实质</span>上，<span style="color: black;">相关</span>人士<span style="color: black;">经过</span>“制作<span style="color: black;">文案</span>模板-人工<span style="color: black;">干涉</span>细节文本-批量生产<span style="color: black;">文案</span>”的方式在网络上发布<span style="color: black;">有些</span>经某某“职业维权”<span style="color: black;">帮助</span>成功追回的虚假案例和不实信息，<span style="color: black;">乃至</span>结合SEO（搜索引擎优化）技术，联系部分网站站长，加大信息在搜索引擎的权重，获取<span style="color: black;">海量</span><span style="color: black;">揭发</span>，将编造的海量<span style="color: black;">消极</span>信息<span style="color: black;">做为</span>引流手段，<span style="color: black;">从而</span>实施网络诈骗。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">除了前几年“代理维权”信息多发的网站、<span style="color: black;">微X</span>等平台。近年来，在<span style="color: black;">博客</span>、雪球、今日头条、知乎等新兴的社交、<span style="color: black;">新闻</span>类平台，券商中国记者都<span style="color: black;">发掘</span>了<span style="color: black;">海量</span>发布代维信息的踪迹。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ8YZ4sI92OC~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=af06kPAtYfPesFhCpoDLuLvIcUk%3D" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">博客</span>上的“代理维权”信息</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ8Z8HrVJHZg~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=tu%2BWCyVHPPOolp58MKL4tQ7xoRs%3D" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">微博上的“代理维权”信息</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ96dC96NwDR~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=ys0vIlAgK2ug7e0vAAPICMYSK1Q%3D" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">小红书及雪球上的“代理维权”信息</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">业内人士认为，当下网络虚假代维现象层出不穷、愈演愈烈，不仅对金融市场秩序产生干扰，对正规<span style="color: black;">公司</span>的合法合规经营<span style="color: black;">导致</span>影响，对广大投资者<span style="color: black;">来讲</span>，<span style="color: black;">亦</span>容易<span style="color: black;">形成</span>二次<span style="color: black;">损伤</span>。</span></p>大数据<span style="color: black;">揭发</span>“灰产”！持牌<span style="color: black;">公司</span>100%被“碰瓷”<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">近期</span>，券商中国记者邀请到上海某科技<span style="color: black;">机构</span>运用爬虫抓取网络维权信息（基于百度搜索、搜狗<span style="color: black;">微X</span>平台），结合大数据和NLP技术对样本内容建模分析，对针对金融<span style="color: black;">公司</span>的网络维权<span style="color: black;">状况</span>进行<span style="color: black;">科研</span>。团队以所有投资顾问<span style="color: black;">机构</span>、期货<span style="color: black;">机构</span>、证券<span style="color: black;">机构</span>等持牌金融<span style="color: black;">公司</span><span style="color: black;">做为</span><span style="color: black;">科研</span>对象，并列举了81个<span style="color: black;">拥有</span>维权特征的关键词进行组合，得出近4万多种搜索词组合。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">结果<span style="color: black;">表示</span>，在抓取到260万条信息数据中，基于BiLSTM- DPTextCNN深度网络模型以及金融<span style="color: black;">行业</span>情感词典构建的深度联合学习模型，<span style="color: black;">最后</span>筛选出近119万篇符合特征的维权<span style="color: black;">文案</span>。其中，证监会旗下140家证券<span style="color: black;">机构</span>、81家证券投资咨询<span style="color: black;">公司</span>和150家期货<span style="color: black;">机构</span><span style="color: black;">所有</span>命中，<span style="color: black;">作为</span>“维权”对象，命中率达100%，371家<span style="color: black;">公司</span>无一幸免。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ97c5rzSk5L~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=wzCFFqxlsRKxzdvDIX6SIr9EC10%3D" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">那样</span>，这些虚假网络维权的文本都有什么特征呢？</span></p><strong style="color: blue;"><span style="color: black;">特征一：超八成虚假维权信息集中于部分窝点网站</span></strong>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">近119万的<span style="color: black;">消极</span>舆情信息中，按<span style="color: black;">文案</span><span style="color: black;">源自</span>看，Top20的网站覆盖了87.5%。其中万**</span><span style="color: black;">最高，<span style="color: black;">触及</span>近22万条<span style="color: black;">消极</span>舆情信息，占比总样本18.5%。</span><span style="color: black;">其次有</span><span style="color: black;">胖**</span><span style="color: black;">、起</span><span style="color: black;">**</span><span style="color: black;">、老</span><span style="color: black;">**</span><span style="color: black;">、</span><span style="color: black;">分*</span><span style="color: black;">**</span><span style="color: black;">、法**等。</span><span style="color: black;">大部分网站为发布虚假维权信息的窝点网站，且网页<span style="color: black;">文案</span>均<span style="color: black;">包括</span>明文标注联系方式。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">另外</span>，在百度、<span style="color: black;">微X</span>公众号、<span style="color: black;">外链论坛：www.fok120.com</span>等平台，<span style="color: black;">亦</span>零星分布着<span style="color: black;">有些</span>“代理维权”的内容。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ9803FvUlVf~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=%2B92bUi0m6Lg1isH8iQjkENyO2a4%3D" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">胖窝网的虚假“代理维权”<span style="color: black;">文案</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ98XCF8IYyw~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=ZLhUq0GeF3YzYiMz036mIfJE%2FLA%3D" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">老客网的虚假“代理维权”<span style="color: black;">文案</span></span></p><strong style="color: blue;"><span style="color: black;">特征二：联系方式高度重合，同一手机号最高<span style="color: black;">显现</span>2.46万次</span></strong>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">进一步分析这些<span style="color: black;">所说</span>的“网络维权”文本，<span style="color: black;">能够</span>看到74%的<span style="color: black;">文案</span>都带有手机号、微信号、QQ号等联系方式，并且这些联系方式存在高度一致的<span style="color: black;">状况</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">详细</span>来看，<span style="color: black;">科研</span>中解析出文本类联系方式（手机号、<span style="color: black;">微X</span>号、QQ号）的<span style="color: black;">文案</span>近88万篇，比例高达 74% （剩余的26%联系方式为<span style="color: black;">照片</span><span style="color: black;">或</span>站内<span style="color: black;">信息</span>，因时间关系未进行识别解析，但不影响整体分析结果）。其中，去重明文手机号20,417个，单个手机号最高<span style="color: black;">揭发</span>达24,644次。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ99HDd2T9N7~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=8yPXO7QxYjZg71kRFYMighX1SOU%3D" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ9wmBqe88RB~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=gFeE%2FN0jLMRk6BlP65RD%2Frx7%2BXg%3D" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">以老客网为例，多篇“维权”<span style="color: black;">文案</span>均留下了<span style="color: black;">一样</span>的手机号。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ9x9BeAenRE~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=sU82c0JcgsXppdkfaya%2F6NtSPXQ%3D" style="width: 50%; margin-bottom: 20px;"></p><strong style="color: blue;"><span style="color: black;">特征三：话术有“<span style="color: black;">招数</span>”，<span style="color: black;">发掘</span>多达1.4万个模板</span></strong>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">当然，这些虚假“代理维权”的<span style="color: black;">文案</span>话术<span style="color: black;">亦</span>是有<span style="color: black;">招数</span>的，同一套话术<span style="color: black;">能够</span>换个讲述人、换一个“碰瓷”的金融<span style="color: black;">公司</span>，摇身一变出<span style="color: black;">此刻</span>另一个人的“现身说法”之中。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">究其本质，<span style="color: black;">实质</span>上是<span style="color: black;">违法</span>分子撰写了多个模板，再<span style="color: black;">持续</span>复制文本“碰瓷”金融<span style="color: black;">公司</span>。<span style="color: black;">这次</span>大数据<span style="color: black;">科研</span><span style="color: black;">亦</span>对这些模板进行了分析。<span style="color: black;">详细</span>来看，<span style="color: black;">这次</span>建模分析共挖掘出1.4万个模板，涵盖近49万条<span style="color: black;">消极</span>舆情信息，占总<span style="color: black;">消极</span>舆情信息的41.2%。其中，能<span style="color: black;">相关</span>100篇以上的模板956个，总覆盖率60%。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ9xc8zWEmLx~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=9yrp0ibsCyUfu9ipj8i%2FzZWO73k%3D" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">数据还<span style="color: black;">表示</span>，有约50000篇“代理维权”文本套用了35个模板，其中有10个模板涵盖的<span style="color: black;">文案</span>数量均超过1500篇，<span style="color: black;">运用</span>率最高的一个模板<span style="color: black;">乃至</span>出<span style="color: black;">此刻</span>3211篇文本中。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ9yJ1eZ1mwQ~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=XeNXHmof%2FMI6PMzs23c7fjAOAqU%3D" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">例如</span>看以下的两个文本，一位<span style="color: black;">文案</span>发布者自<span style="color: black;">叫作</span>“民众投顾收取服务费正规吗？投资<span style="color: black;">上当</span>可追回！是该投顾的内部学员，是这个骗子<span style="color: black;">机构</span>的受害者”，并留下了联系方式。而在另一篇<span style="color: black;">文案</span>中，几乎是一模<span style="color: black;">同样</span>的内容，标题被替换<span style="color: black;">成为了</span>“益盟投顾收取服务费正规吗？”。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://p26-sign.toutiaoimg.com/tos-cn-i-tjoges91tu/T5rQ9yl23swQpG~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1724174829&x-signature=TL3Yq3V6wrbJWPMbqFrRalouprU%3D" style="width: 50%; margin-bottom: 20px;"></p>金融<span style="color: black;">公司</span>屡遭“碰瓷”<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">券商中国记者获悉，<span style="color: black;">针对</span>专业“代理维权”的团伙而言，<span style="color: black;">她们</span>的<span style="color: black;">目的</span>，<span style="color: black;">常常</span>是吸引客户支付维权代理费或手续费，<span style="color: black;">同期</span>利用投资者的诉求“碰瓷”金融<span style="color: black;">公司</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">通常</span>而言，<span style="color: black;">倘若</span>投资者有需求联系<span style="color: black;">她们</span>，代维业务员在询问平台名<span style="color: black;">叫作</span>及损失金额后，会提出“维权费是追回资金的20%-50%不等”，并<span style="color: black;">必须</span><span style="color: black;">签定</span><span style="color: black;">拜托</span>合同。有部分代维<span style="color: black;">公司</span>还<span style="color: black;">需求</span>投资者手持身份证拍照、拍摄视频等。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">而后这些代维权<span style="color: black;">公司</span><span style="color: black;">运用</span>的追回退款策略，却是利用投资者<span style="color: black;">供给</span>的材料进行投诉威胁。客户在和代维<span style="color: black;">公司</span>确立了<span style="color: black;">拜托</span>关系后，“维权老师”会对投资者进行话术<span style="color: black;">指点</span>，如效果<span style="color: black;">欠好</span>，还会威胁“不退款就找XX<span style="color: black;">媒介</span><span style="color: black;">揭发</span>、去证监会投诉。”如自下而上威胁未果下，代维<span style="color: black;">公司</span>还会为投资者<span style="color: black;">供给</span>证监会投诉方式以及编造投诉材料说明等。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">业内人士<span style="color: black;">暗示</span>，这些“职业维权”团伙反复挑战法律的底线。不仅严重<span style="color: black;">困惑</span>企业正常生产经营秩序、影响营商环境，“职业索赔人”<span style="color: black;">乱用</span>投诉举报、信息公开、复议诉讼、监察投诉等权利，还挤占了有限的行政资源和司法资源。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">在调查过程中，券商中国记者<span style="color: black;">发掘</span>，<span style="color: black;">关联</span>代理大多自<span style="color: black;">叫作</span>XX法援或XX法务，正规律师事务所比例并不多。但在宣传之时，却宣<span style="color: black;">叫作</span>“专业维权律师团队”。<span style="color: black;">为么</span>频繁借用“法律援助”名义？据资深律师介绍，<span style="color: black;">日前</span>国内的法律援助体系<span style="color: black;">是由于</span>法律援助<span style="color: black;">公司</span>或律所组织律师，为经济困难或特殊案件的人<span style="color: black;">供给</span>无偿法律服务。其中，<span style="color: black;">因为</span>法律援助的“无偿”性最为<span style="color: black;">公众</span>所熟知，因而被代维<span style="color: black;">公司</span>所广泛采用来吸引客户。<span style="color: black;">实质</span>上，<span style="color: black;">针对</span>炒股亏损等经济纠纷，不可能适用法律援助的<span style="color: black;">要求</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">针对</span>金融<span style="color: black;">公司</span><span style="color: black;">来讲</span>，代理维权团队编造的<span style="color: black;">有些</span>子虚乌有的<span style="color: black;">所说</span>旗下员工“恶意喊单”“恶意带单”等不实信息，<span style="color: black;">亦</span>让金融<span style="color: black;">公司</span>的声誉与形象遭受严重的抹黑。其中，证券投资咨询<span style="color: black;">公司</span>遭遇“碰瓷”的频率最高，此前，<span style="color: black;">包含</span>河南和信证券投资顾问股份有限<span style="color: black;">机构</span>、青岛大摩证券投资有限<span style="color: black;">机构</span>、江苏天鼎证券投资咨询在内的多家<span style="color: black;">机构</span>发布<span style="color: black;">关联</span>诋毁信息的声明。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">一家中小型期货<span style="color: black;">机构</span>的总经理告诉券商中国记者，近年来该<span style="color: black;">机构</span><span style="color: black;">亦</span>遇到过类似的案例，有投资者拿着材料在服务过期后以投资亏损、威胁举报前来<span style="color: black;">需求</span>退费，话术颇有<span style="color: black;">招数</span>，<span style="color: black;">背面</span><span style="color: black;">亦</span>多为代维<span style="color: black;">公司</span>的教唆。</span></p><span style="color: black;">警觉</span><span style="color: black;">违法</span>“代理维权”陷阱<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">券商中国记者<span style="color: black;">重视</span>到，近年来，职业网络虚假维权在证券、保险、信用卡债务等各个<span style="color: black;">行业</span>遍地开花。与此<span style="color: black;">同期</span>，金融<span style="color: black;">制品</span>“职业代理维权”的<span style="color: black;">状况</span>已<span style="color: black;">导致</span><span style="color: black;">相关</span><span style="color: black;">分部</span><span style="color: black;">注重</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2019年8月，国务院办公厅发布出台《关于促进平台经济规范健康发展的<span style="color: black;">指点</span>意见》，<span style="color: black;">需求</span>切实<span style="color: black;">守护</span>平台经济参与者合法权益，打击以“打假”为名的敲诈勒索行为。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2022年3月15日，北京银保监局就发布了<span style="color: black;">危害</span>提示。北京银保监局<span style="color: black;">暗示</span>，<span style="color: black;">欠妥</span>维权面临“四大<span style="color: black;">危害</span>”。一是纠纷<span style="color: black;">处理</span>遭阻碍，“代理维权”的组织和个人<span style="color: black;">通常</span>不具备法律执业资格，其<span style="color: black;">经过</span>编造或歪曲事实进行恶意投诉，不仅阻碍消费纠纷正常<span style="color: black;">处理</span>，还扰乱了金融市场正常秩序，<span style="color: black;">乃至</span>涉嫌违法犯罪。二是信息<span style="color: black;">泄密</span>隐患多。三是经济<span style="color: black;">包袱</span>更沉重。四是征信污点影响大。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">北京银保监局提醒广大消费者，<span style="color: black;">警觉</span><span style="color: black;">违法</span>“代理维权”侵害，依法理性<span style="color: black;">守护</span><span style="color: black;">自己</span>权益：</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">一是<span style="color: black;">选取</span>适当的金融<span style="color: black;">制品</span>或服务。广大消费者应<span style="color: black;">按照</span><span style="color: black;">实质</span>需求，结合<span style="color: black;">自己</span>经济<span style="color: black;">状况</span>和<span style="color: black;">危害</span>承受能力，<span style="color: black;">选取</span>适当的金融<span style="color: black;">制品</span>或服务。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">二是拒绝<span style="color: black;">违法</span>代理维权<span style="color: black;">行径</span>。<span style="color: black;">违法</span>代理维权组织或个人以“代理维权”之名，捏造事实、违背合同约定，不仅扰乱正常金融秩序，<span style="color: black;">乃至</span>涉嫌寻衅滋事和敲诈勒索，突破法律底线。消费者应<span style="color: black;">爱惜</span>个人信用，<span style="color: black;">警觉</span>参与<span style="color: black;">违法</span>“代理维权”可能面临的法律<span style="color: black;">危害</span>，不轻信虚假承诺，拒绝参与违背合同约定、<span style="color: black;">供给</span>虚假信息、编造事实的恶意投诉。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">三是依法理性<span style="color: black;">守护</span><span style="color: black;">自己</span>权益。消费者在购买金融<span style="color: black;">公司</span><span style="color: black;">制品</span>或享受服务过程中<span style="color: black;">出现</span>纠纷的，<span style="color: black;">能够</span>直接向金融<span style="color: black;">公司</span>投诉，主张民事权益。若消费者未能与金融<span style="color: black;">公司</span><span style="color: black;">经过</span>协商<span style="color: black;">处理</span>纠纷，<span style="color: black;">能够</span>向行业调解组织申请调解。<span style="color: black;">经过</span>投诉、调解仍<span style="color: black;">不可</span><span style="color: black;">处理</span>民事纠纷的，消费者<span style="color: black;">能够</span><span style="color: black;">按照</span>合同约定，提请仲裁<span style="color: black;">公司</span>仲裁或向人民法院提起诉讼。</span></p><span style="color: black;">四是防止个人信息外泄。<span style="color: black;">加强</span>个人信息安全<span style="color: black;">认识</span>，<span style="color: black;">守护</span>好个人金融信息和家庭信息，避免<span style="color: black;">显现</span>信息外泄、信息盗用等<span style="color: black;">危害</span>，给<span style="color: black;">自己</span>信息安全埋下隐患。如<span style="color: black;">发掘</span>合法权益受到<span style="color: black;">违法</span><span style="color: black;">行径</span>侵害，应<span style="color: black;">即时</span>向公安机关报案。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">责编：罗晓霞</span></p>
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