运费险“薅羊毛”300余万！揭秘网购退货背后的骗局

Core Insights - The rise of "shipping insurance" has led to increased return rates and fraudulent claims, creating operational challenges for both merchants and insurance companies [1][2][3] Group 1: Impact on E-commerce Merchants - The introduction of "shipping insurance" has resulted in higher return rates, particularly in categories like apparel and accessories, causing merchants to reconsider offering this service [1] - Merchants face a dilemma: discontinuing "shipping insurance" may lead to reduced orders and lower store ratings, while continuing it can result in unsustainable return volumes [1] - The cost of providing "shipping insurance" adds approximately 5 yuan per order, which can become unmanageable if return rates are excessively high [1] Group 2: Fraudulent Activities - A recent police investigation uncovered a fraudulent scheme involving over 300 million yuan in claims related to fake transactions for "shipping insurance" [2][5] - Criminals created numerous online stores to submit false claims, often using fabricated shipping and return information to deceive insurance companies [3][4] - The fraudulent activities included batch ordering low-cost items, immediately returning them, and submitting fake logistics information to claim insurance payouts [4][5] Group 3: Legal and Regulatory Responses - The rise of small-scale "order fraud" has led to the formation of a gray market, where individuals exploit the fixed compensation of "shipping insurance" for profit [6] - Legal experts suggest that measures such as increasing premiums, implementing deductibles, and enhancing consumer credit systems could help mitigate fraud while protecting legitimate consumers [6] - E-commerce platforms are encouraged to share information about fraudulent accounts to prevent repeat offenders from exploiting multiple platforms [6]