斩断保险“黑灰产”链条

Group 1 - The core viewpoint of the articles highlights the serious issues of illegal activities in the insurance sector, particularly focusing on "malicious policy cancellations" and "injury brokers" manipulating claims and assessments, which disrupts industry order [1][2] - The recent crackdown on illegal activities indicates a consensus among regulatory bodies that the issue of insurance black and gray markets requires coordinated efforts and long-term systemic governance [2] - Insurance institutions are urged to take primary responsibility for addressing the root causes of black and gray market activities, which are often linked to imbalanced internal incentive mechanisms and inadequate risk control [2] Group 2 - Consumers are not merely bystanders in the black and gray market chain; they are often exploited due to their lack of understanding of insurance terms and anxiety over claims processes, leading them to engage in fraudulent activities [3] - The shift from merely combating illegal activities to a more comprehensive governance approach signifies an upgrade in regulatory philosophy, aiming to clarify institutional boundaries and strengthen public awareness [3]