以案说法！金融监管总局、公安部发布首批金融“黑灰产”违法犯罪典型案例

Core Viewpoint - The financial regulatory authorities have initiated a crackdown on illegal activities in the financial sector, particularly focusing on loan fraud and extortion under the guise of insurance claims [1][5]. Group 1: Loan Fraud Cases - The first case involves a group led by Ning, who engaged in loan fraud by creating "professional debtors" and falsifying documents to secure loans, resulting in a total fraud amount of over 7.38 million yuan [2][3]. - The court sentenced Ning to 16 years in prison and imposed fines totaling 800,000 yuan for loan and credit card fraud, with other accomplices receiving varying sentences [3][4]. - The financial regulatory authorities emphasized the need for a comprehensive crackdown on such organized crime, which disrupts financial order and poses a significant threat to national financial security [3][4]. Group 2: Insurance Extortion Cases - The second case involves Lin and Ma, who operated under the pretense of "high-value insurance refunds" to extort money from policyholders, causing losses of 2.1762 million yuan to insurance companies and illegally profiting 489,600 yuan [5][6]. - The court found Lin and Ma guilty of extortion, sentencing Lin to 11 years and Ma to 10 years in prison, with additional penalties imposed on their accomplices [6]. - The financial regulatory authorities have reiterated that any organization or individual must not engage in illegal activities related to insurance refunds, as these actions disrupt the insurance market and mislead policyholders [6][7].