朱慧卿作 图为中国人寿重庆市分公司工作人员走进重 本报记者 屈信明 付款后，工作人员要求她按模板写信给当地金融监管部门，投诉保险公司代理人存在销售误导等行为。 还特别"提示"，一旦接到保险公司来电询问情况，只按信上内容回复，不要说有人帮忙退保。 保险公司收到监管部门转去的投诉，进行调查并与黄孃孃联系沟通，判断客户可能遇到了非法"代理退 保"骗局。 "向黄孃孃出售年金险的代理人是她相识多年的老同事，投保时按相关规定进行了'双录'(录音、录像)， 没有发现不当行为。黄孃孃退休收入和家庭情况稳定，应当不会急于退保。即便要退保，不先联系代理 人或保险公司走正常流程，而是直接向监管部门投诉，这像是'代理退保'的惯用手法。"中国人寿寿险 荣昌支公司投诉处理人员倪萌霞说，事实上，如果正常申请退保，黄孃孃当时可退得3.8万余元，因保 险期未到，中途退保按合同现金价值计算，且保单价值处于上升趋势，退保并不划算，还会失去保险保 障。 庆市江北区江北城街道，向居民普及金融消费者保护知识。 兰 希摄 购买年金险、重疾险等保险产品增强健康、养老保障，成为越来越多消费者的选择。不过，也有消费者 看到所谓"代理退保""帮你维权"等信息时， ...

Core Viewpoint - The article highlights the ongoing issue of fraudulent activities in the financial sector, particularly through social media platforms, where schemes like "insurance policy cancellation" and "credit loans" mislead consumers and disrupt financial order [3][4][5]. Summary by Sections Regulatory Warnings - Regulatory bodies have issued multiple warnings over the past two years regarding fraudulent practices by intermediary agencies, emphasizing the need for strict action against such violations [3][4]. - Some agencies exploit consumer rights advocacy to profit, harming consumer interests and destabilizing the insurance market [3][4]. Fraudulent Practices - Social media platforms have become breeding grounds for financial scams, with numerous posts promoting "insurance cancellations" and "loan assistance" that appear to be peer advice but are actually marketing tactics for fraudulent services [4][5]. - Users are often lured into high service fees or directed to unlicensed financial institutions after being promised solutions to their financial issues [5][6]. Consumer Experiences - Consumers report being charged exorbitant fees for services that do not deliver on their promises, such as recovering funds from insurance policies [5][12]. - Many posts on these platforms mislead users into believing they can negotiate debt relief or defer payments, creating false expectations about managing their financial obligations [6][12]. Platform Challenges - Social media platforms face significant challenges in regulating financial content, as fraudulent activities often hide behind seemingly legitimate posts, making detection difficult [13][14]. - Despite efforts to combat these issues, the evolving tactics of fraudsters complicate the enforcement of compliance and consumer protection [13][14]. Regulatory Actions - Recent actions by regulatory authorities include the prosecution of individuals involved in fraudulent "insurance cancellation" schemes, highlighting the seriousness of these offenses [16]. - The government has reiterated that no organization or individual is allowed to engage in unauthorized insurance cancellation services, and violators will face severe penalties [16]. Industry Recommendations - Experts suggest that social media platforms should enhance user education and transparency regarding financial content to reduce the prevalence of fraudulent activities [14][15]. - Collaboration with licensed financial institutions for educational initiatives could help mitigate the risks associated with unregulated financial advice [14][15].

黑灰产与正规广告并行的局面，使平台面临形象与合规双重风险。 近日，互联网社交平台上出现一批以"代理退保""信用贷款"为名发布的虚假宣传信息，诱导消费者转移资金，严重扰乱金融秩序。监管 在风险提示中再次点名此类乱象，强调将严厉打击中介机构及网络渠道的违规行为。 这已是监管部门连续两年多次就此类问题发出警示。多地金融监管局指出，部分代理退保机构"以维权为名，行牟利之实"，不仅侵害消 费者权益，也破坏保险市场稳定；而一些助贷广告则涉嫌将用户引流至高息贷款甚至非法集资活动。 尽管监管三令五申，但实际问题仍未彻底遏制。第一财经记者注意到，生活分享平台小红书等正成为金融黑灰产新的渗透土壤。 "经验分享"里的隐秘生意 在小红书平台搜索"保险退保""征信不好贷款""逾期还不上"等关键词，仍可发现大量相关笔记。记者注意到，这些内容多以"过来人"口 吻撰写：开头通常以对保险产品的质疑或贷款困难描述引发读者共鸣，逐步激发焦虑情绪，随后暗示可通过私信或添加微信获取"解决方 案"。 笔记评论区常见"求联系方式""可以帮帮我吗"等互动。对普通用户而言，这类内容看似是同龄人的"避坑指南"，实则为退保代理、助贷 中介的高效获客渠道。 "操作 ...

《中国经营报》记者注意到，在这名网友的评论区里，有人让她找点靠谱的"机构"帮忙上岸，有人告诉 她有方法可以"暂停"还款，还有人表示自己有"方法"让各位随便问。但其实这些留言背后都是非法代理 维权的机构在引流。 近期，国家金融监督管理总局（以下简称"金融监管总局"）、公安部联合发布第一批金融领域"黑灰 产"违法犯罪典型案例，这是今年3月以来，为期6个月的金融领域"黑灰产"违法犯罪集群打击工作首次 披露相关案例。 代理高额退保、伪造首付款凭证 近年来，金融"黑灰产"组织、个人为谋求非法利益，假借法务公司、咨询公司等名义，广泛发布"代理 高额退保"不实信息，怂恿、诱导投保人委托其代理"维权"，胁迫保险公司支付超出保险合同现金价值 的退保金，并从中收取高额佣金。 根据金融监管总局披露，2020年12月至2023年4月期间，林某某、马某某为非法获利，以全额退保或高 额退保为诱饵，发布违法广告，怂恿、诱导投保人委托其代理退保。 这些人杜撰、虚增、编造保险公司及业务人员存在违规行为的内容和证据，向监管部门邮寄信件、反复 投诉，同时教唆投保人、离职保险业务员消极对抗后续调查、询问，导致保险公司及相关业务员向投保 人支付保险现 ...

连日来，在国家金融监管总局、中国人民银行等多方联合开展的"金融教育宣传周"期间，打击金融黑灰 产成为"点题"之一，黑灰产乱象与危害再度成为舆论焦点，而"职业背债人"这一群体也愈发清晰浮出水 面。 9月15日，金融监管总局、公安部联合发布第一批金融领域"黑灰产"违法犯罪典型案例，其中之一便是 包装"职业背债人"实施贷款诈骗、信用卡诈骗案，监管部门也揭秘了其骗贷套路和手法。 伪造首付款凭证，骗取银行信贷资金 包装"职业背债人"骗贷700万，最高被判16年 何谓"职业背债人"？据悉，近年来，社会上出现以"快速致富""无需偿还债务"为诱饵的"职业背债"骗 局，一些非法贷款中介为了牟取利益，通过虚构职业、包装资产、伪造流水等非法手段把一些不符合银 行贷款条件的人，经过包装后贷出款来，并且从中分赃分成。最后，这个被"包装"出来的人就是"职业 背债人"，成了老赖。 图片由AI生成 从金融监管总局此次公布的案例看，2019年7月至2020年5月期间，被告人宁某伙同他人在全国范围内大 肆招揽无还款能力且不具有某市购房资质的贷款人。他们对这些"职业背债人"进行包装，伙同房东伪造 首付款凭证，并大幅做高房屋成交价，通过虚构首付款已 ...

出品 | 妙投APP 作者 | 董必政 那你可要注意了。 退保意味着，你此前几年交的保费几乎退还不了多少到你的账户。 你想让保险公司多退你点。 你的需求，催生了一个黑灰产生意——代理维权。 "他们就是纯骗，真的是太猖狂了，我已经报警了"，王芳（化名）愤怒地说。 （图片来源：当事人提供） 王芳本想帮老公退掉保险，在互联网平台上找到了可以"高额退保"的代理维权机构。最后，不仅事情没有办成，还被骗了1500元。 编辑 | 关雪菁 头图 | AI制图 如果你交了几年保险金，突然不想续保。 "他们拉了一个群里面有7个人，有所谓的法务、退保老师"，王芳告诉妙投。 妙投一琢磨，7个人，1500元他们够分吗？一人赚200？ 由此，妙投开始使劲琢磨，结果发现代理维权这个黑灰产，了不起，成体系，用流量漏斗精准筛选到了王芳这样的人群，并做了非常有效地转化。 据虎嗅妙投向业内人士了解，黑灰产在抖音平台一年的广告投放费用就超过60亿元，60亿占整个北京金融机构投放总额的10%左右。 不仅舍得花钱，黑灰产机构还训练有素，有组织、有体系、有打法，还狼性。 那么，代理维权这个黑灰产又是如何运作的呢？ 一、公司化运营 2024年10月，马上消 ...

Core Viewpoint - The article emphasizes the importance of combating illegal financial activities, particularly in the loan and insurance sectors, to protect financial rights and promote a healthy financial ecosystem [3][6][10]. Group 1: Case Studies - Case 1 involves a loan fraud scheme where the accused, Ning, and accomplices defrauded banks by creating fake loan applications and inflated property prices, resulting in a total fraud amount of over 7.38 million yuan [4][5]. - The court sentenced Ning to 16 years in prison and imposed fines totaling 800,000 yuan for loan and credit card fraud, highlighting the severe penalties for such financial crimes [5]. - The case illustrates the organized nature of financial fraud, where illegal loan intermediaries play a crucial role in orchestrating these schemes, necessitating a comprehensive crackdown on such activities [6][10]. Group 2: Legal Actions and Implications - The second case involves extortion under the guise of "insurance policy cancellation," where the accused, Lin and Ma, induced policyholders to withdraw funds by fabricating claims of insurance company violations, leading to losses of 2.1762 million yuan for the insurance companies [8][9]. - The court found Lin and Ma guilty of extortion, sentencing Lin to 11 years and Ma to 10 years in prison, emphasizing the legal consequences of exploiting financial systems for personal gain [9]. - This case underscores the need for strict enforcement against fraudulent practices disguised as legitimate financial services, as they disrupt market order and mislead consumers [10].

Group 1 - The first batch of 8 banking financial institutions in Shenzhen has publicly announced a list of third-party cooperation agencies for credit business, which includes major banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, and China Bank [1] - The third-party agencies primarily cover three categories: marketing and customer acquisition, guarantee and credit enhancement, and collection services [1] - Financial institutions will continuously update the list based on business developments and encourage customers to verify the legitimacy of any third-party claims [1] Group 2 - The public disclosure of the third-party cooperation agency list is an effort to implement regulatory requirements, protect financial consumers' rights, and combat illegal loan intermediaries [2] - Illegal loan intermediaries have been a significant issue in the financial sector, with instances of companies falsely claiming partnerships with banks to attract customers [2] - Common tactics used by illegal loan intermediaries include impersonating legitimate financial institutions, offering low-interest rates, and making false service promises, which can lead to consumer financial losses and data breaches [2] Group 3 - Regulatory authorities have intensified efforts to combat financial "black and gray industries," focusing on illegal loan intermediaries and related financial crimes [3] - A new regulation from the National Financial Supervision Administration mandates that commercial banks manage and disclose lists of platform operators and credit enhancement service providers, effective October 1 [3] - The regulation prohibits banks from collaborating with institutions not on the approved list for internet lending services [3]

21世纪经济报道 见习记者冯紫彤 记者郭聪聪 9月15日，金融监管总局、公安部联合发布第一批金融领域"黑灰产"违法犯罪典型案例，集中曝光了宁 某等人包装"职业背债人"实施贷款诈骗、信用卡诈骗案和林某某、马某某等人以"代理退保"名义实施敲 诈勒索案。 据21世纪经济报道记者了解，今年以来，国家对金融黑灰产的打击持续加码。2025年3月15日，金融监 管部门与公安部门联手开展了为期六个月的打击黑灰产专项行动。同月28日，两部门共同发布《关于加 强银行业保险业涉嫌犯罪案件移送工作的规定》，推动金融犯罪案件移送进入规范化、制度化新阶段。 此次典型案例发布，不仅揭开了金融黑灰产的套路链条，更彰显了两部门深化行政执法与刑事司法衔 接、重拳打击金融违法犯罪的坚定决心。 另查明，宁某的犯罪行为不止于骗贷。2019年起，宁某还以同样的 "包装" 手段，对张某某等11人进行 包装，并申领信用卡。前述信用卡由宁某实际控制并使用。截至案发，尚未归还本金合计575万余元。 2023年6月，公安机关对该案立案侦查。2025年3月，法院作出判决。经法院审理，以贷款诈骗罪判处被 告人宁某有期徒刑十一年，并处罚金五十万元；以信用卡诈骗罪判处被 ...

Core Viewpoint - The financial regulatory authorities and the police in China are intensifying efforts to combat illegal financial activities, particularly focusing on loan and credit card fraud schemes involving illegal loan intermediaries [1][2]. Group 1: Case Details - A case involving Ning and others was highlighted, where they engaged in loan fraud and credit card fraud by creating "professional debtors" and falsifying documents to secure loans [1]. - From July 2019 to May 2020, the defendants defrauded a total of over 7.38 million yuan through fraudulent loans and credit card applications, with 5.75 million yuan in principal still outstanding at the time of the incident [1][2]. Group 2: Legal Consequences - In March 2025, the court sentenced Ning to 16 years in prison and imposed fines totaling 800,000 yuan for loan and credit card fraud [2]. - Other defendants received varying sentences ranging from 3 to 11.5 years, along with fines, indicating a structured approach to sentencing based on the severity of involvement in the crimes [2]. Group 3: Industry Impact - The rise of illegal loan intermediaries has led to significant economic losses and has disrupted the financial management order in the country, posing a threat to national financial security [2]. - The criminal activities are characterized by a systematic approach, with intermediaries playing a crucial role in orchestrating fraud, which has serious social implications and necessitates legal action [2][3]. Group 4: Handling of Offenders - The authorities emphasize a tiered approach to handling offenders based on their level of involvement, advocating for harsher penalties for key players while considering leniency for those with lesser roles who cooperate with investigations [3].