“专业人士”看似热心帮忙 却让保险消费者损失资金又丢了保障 合力打击“代理退保”黑灰产（财经眼）

Core Viewpoint - The rise of fraudulent "agent refund" schemes in the insurance sector poses significant risks to consumers, as these scams exploit individuals' lack of knowledge about their rights and the refund process [1][5][6]. Group 1: Consumer Experiences - A 73-year-old consumer in Chongqing fell victim to an "agent refund" scam after being misled by a supposed lawyer on social media, believing she could recover a significant portion of her insurance premium [2][3]. - The consumer paid a service fee of 4,000 yuan but was later informed that her refund would be much lower than expected, highlighting the deceptive nature of these schemes [3][4]. - After realizing the fraud, the consumer was able to recover her service fee with the help of the insurance company and law enforcement [4]. Group 2: Nature of Fraud - Fraudulent entities often disguise themselves as legal or consulting firms, luring consumers with promises of high refunds and exploiting their lack of knowledge about insurance policies [5][6]. - These scams can lead to significant financial losses for consumers, including the potential loss of insurance coverage and personal information being sold for further fraudulent activities [5][6]. Group 3: Legal and Regulatory Response - The financial regulatory authorities are taking steps to combat these fraudulent practices, including criminal prosecutions for those involved in "agent refund" schemes [7][8]. - Recent cases have resulted in severe penalties for perpetrators, including prison sentences and fines, indicating a growing legal crackdown on such activities [7][8]. - Regulatory bodies emphasize the importance of truthful complaints and warn that fabricating claims can lead to legal repercussions for consumers as well [8][11]. Group 4: Industry Measures - The insurance industry is collaborating with regulatory agencies to enhance efforts against "agent refund" fraud, including the establishment of joint task forces and data-sharing initiatives [9][10]. - Technological advancements are being utilized to improve the identification and handling of fraudulent activities, with companies developing models to detect and analyze such scams [9][10]. - There is a call for clearer legal definitions and regulations regarding illegal "agent refund" practices to strengthen enforcement and consumer protection [10][11].