小红书大量退保攻略背后是退保黑产，获客套路曝光

Core Viewpoint - The article highlights the rise of illegal "agent refund" activities in the insurance sector, where fraudsters exploit consumers by promising full refunds on insurance policies, leading to significant financial losses for both consumers and insurance companies [1][19]. Group 1: Illegal Activities and Cases - The first batch of typical cases of illegal activities in the financial sector was released by the National Financial Regulatory Administration and the Ministry of Public Security, including two cases of extortion under the guise of "agent refund" [1]. - The main perpetrators, Lin and Ma, were sentenced to 11 and 10 years in prison respectively for extortion, with fines of 100,000 and 60,000 yuan [1][16]. - From December 2020 to April 2023, Lin and Ma induced 115 policyholders to maliciously process refunds, causing insurance companies a loss of 2.1762 million yuan and illegally profiting 489,600 yuan [16]. Group 2: Methods of Operation - Illegal intermediaries present themselves as professionals on social media platforms, claiming they can facilitate high refunds, charging substantial fees, and guiding consumers to fabricate evidence for complaints [3][19]. - Despite warnings from platforms like Xiaohongshu, many posts still promote "refund strategies" that lead consumers to private channels for illegal activities [6][9]. - A black market tutorial outlines strategies for attracting users through detailed personal stories and high refund claims, emphasizing the manipulation of consumer perceptions [15]. Group 3: Regulatory Response and Industry Impact - The National Internet Information Office has taken action against Xiaohongshu for failing to manage content responsibly, indicating ongoing regulatory challenges in the financial sector [7][9]. - Regulatory bodies have repeatedly stressed the need for stricter oversight of financial content, particularly in high-risk areas like insurance [10][18]. - The "agent refund" black market not only harms consumers but also leads to increased costs for insurance companies, as they must raise premiums to cover losses incurred from these fraudulent activities [20].