央视新闻消息，今年以来，公安部会同金融监管总局开展打击金融领域黑灰产违法犯罪专项 工作，对保险等领域违法犯罪进行重点打击。 记者22日从公安部获悉，在专项工作中，上海公安经侦部门破获了一起特大职业骗保索赔 案，抓获犯罪嫌疑人80余名。该团伙通过贷款购买二手豪车，并雇佣"车手"精准制造交通 事故，以此骗取高额保险理赔，涉案金额超一亿元。 今年五月，上海警方会同行政监管部门和保险公司在对本市的车险理赔数据分析中发现，部 分豪车全损出险率存在异常、背离行业均值。与此同时，保险公司在进行赔付时发现，前来 索赔的并不是车主本人，而是一个所谓的中介团伙。 上海市公安局经济犯罪侦查总队民警羿博文：有一伙中介经常去保险公司上门滋扰，他们打 着的名义是收来的事故车，他作为中介代理这些车主去上门进行索赔，要求的赔偿金额又很 高。 保险公司业务经理：他来代理索赔的这些案件，大部分都是一些超豪品牌的车辆，大部分都 撞的相对比较严重，都是有大面积损伤的车辆，来向我们进行索赔。 警方调查发现，部分豪车发生的交通事故可能涉嫌人为恶意制造，目的就是为了骗取高额保 险理赔金。 上海市公安局经济犯罪侦查总队民警羿博文：犯罪嫌疑人打着豪车租赁的名 ...

Core Viewpoint - The article highlights a significant crackdown on fraudulent insurance claims in Shanghai, revealing a complex network of criminal activities involving multiple gangs that exploit the insurance system through staged accidents and inflated claims [1][9]. Group 1: Criminal Activities - A major insurance fraud case was uncovered, involving over 80 suspects who staged traffic accidents to claim insurance payouts exceeding 100 million yuan [1][11]. - The criminal gang purchased second-hand luxury cars through financing and then hired "drivers" to deliberately cause accidents, targeting high-value vehicles for maximum insurance claims [2][9]. - The gang utilized a method of "precision collision," selecting sturdy vehicles like trucks or SUVs to ensure significant damage to the luxury cars involved [3][9]. Group 2: Fraudulent Processes - The investigation revealed a two-step process where the first gang staged the accidents, and a second gang, posing as a repair shop, would further damage the vehicles to inflate repair costs [5][6]. - The so-called "repair shop" employees were skilled in dismantling vehicles rather than repairing them, focusing on maximizing the insurance claims by creating the appearance of extensive damage [7][9]. - A third gang, known for aggressive tactics, would pressure insurance companies into paying claims by threatening and harassing them, often refusing to allow for further inspections [8][9]. Group 3: Law Enforcement Response - The Shanghai police conducted multiple operations from May to November, resulting in the arrest of over 80 individuals involved in the fraud scheme [11]. - The total amount involved in fraudulent claims since 2020 has exceeded 100 million yuan, indicating a significant impact on the insurance industry [11]. - Authorities emphasized the need to combat such financial crimes to protect the integrity of the insurance sector and prevent further exploitation [10].

警方调查发现，部分豪车发生的交通事故可能涉嫌人为恶意制造，目的就是为了骗取高额保险理赔金。 上海市公安局经济犯罪侦查总队民警羿博文 ：犯罪嫌疑人打着豪车租赁的名义，去融资租赁公司通过 付低首付、贷款的方式购入一些在市面上流通的二手豪车。 来源：央视新闻 央视新闻消息，今年以来，公安部会同金融监管总局开展打击金融领域黑灰产违法犯罪专项工作，对保 险等领域违法犯罪进行重点打击。 记者22日从公安部获悉， 在专项工作中，上海公安经侦部门破获了一起特大职业骗保索赔案，抓获犯 罪嫌疑人80余名。该团伙通过贷款购买二手豪车，并雇佣"车手"精准制造交通事故，以此骗取高额保险 理赔，涉案金额超一亿元。 今年五月，上海警方会同行政监管部门和保险公司在对本市的车险理赔数据分析中发现，部分豪车全损 出险率存在异常、背离行业均值。与此同时，保险公司在进行赔付时发现，前来索赔的并不是车主本 人，而是一个所谓的中介团伙。 上海市公安局经济犯罪侦查总队民警羿博文 ：有一伙中介经常去保险公司上门滋扰，他们打着的名义 是收来的事故车，他作为中介代理这些车主去上门进行索赔，要求的赔偿金额又很高。 保险公司业务经理 ：他来代理索赔的这些案件，大部 ...

Core Viewpoint - The Ministry of Public Security and the Financial Regulatory Administration have launched a special operation to combat illegal activities in the financial sector, focusing on insurance fraud, leading to the dismantling of a major insurance fraud ring in Shanghai involving over 80 suspects and more than 100 million yuan in claims [1][16]. Group 1: Fraud Scheme Overview - A significant insurance fraud case was uncovered in Shanghai, where a gang purchased second-hand luxury cars through loans and staged traffic accidents to claim high insurance payouts [1][2]. - The fraud involved a network of intermediaries who would approach insurance companies to claim compensation on behalf of car owners, often not the actual owners [2][4]. Group 2: Methodology of the Fraud - The gang employed "drivers" to deliberately cause accidents, primarily targeting large vehicles to ensure significant damage to the luxury cars [5][7]. - The fraudsters would select accident locations and times to maximize the chances of being deemed at fault, often using low-speed collisions to ensure safety while inflicting severe damage [8][9]. Group 3: Role of Repair Shops - A separate group operated under the guise of an auto repair shop, which would assess damaged vehicles and intentionally cause further damage to increase the insurance claims [9][10]. - This "repair shop" did not perform actual repairs but focused on dismantling vehicles to create conditions for higher insurance payouts [11][12]. Group 4: Intimidation Tactics - The fraud ring included an "extortion group" that would threaten insurance companies to force them into paying claims, often using aggressive tactics such as loudspeakers and harassment [13][14]. - This group would not allow insurance companies to conduct secondary inspections, further complicating the claims process [14]. Group 5: Law Enforcement Action - From May to November, Shanghai police conducted multiple operations, resulting in the arrest of over 80 suspects involved in the fraud, with the total amount of fraudulent claims exceeding 100 million yuan since 2020 [16].

号称能帮你修复征信、代理维权？这些看似"救星"的服务，很可能让你散尽钱财却一无所 获，甚至从受害者变成犯罪链条的帮凶。 退保黑产遭打击 上海市长宁区人民法院近期宣判的一起案件，便为助贷领域非法代理维权敲响警钟：以曾某 鹏为首的犯罪团伙经营两家信息咨询公司，通过"精准营销"为数千名贷款逾期客户提供"维 权代理"，通过恶意投诉胁迫金融平台减免息费，涉案金额达百万元。主犯因犯敲诈勒索 罪、侵犯公民个人信息罪，被判处八年六个月有期徒刑。 类似的司法重拳也挥向保险领域。福建省龙岩市中级人民法院2025年7月对一起重大"代理退 保"黑产案作出终审判决，以洪某某为首的10名被告人因犯敲诈勒索罪，被判处十一个月至 四年六个月不等的有期徒刑。值得注意的是，该案中两名普通投保人因受团伙教唆，参与伪 造证据、恶意投诉，也被认定为敲诈勒索共犯。 助贷黑产施胁迫 敲诈勒索落重刑 以往，助贷行业非法代理维权组织的"维权代理"行为多以诈骗罪定罪，而上海长宁区法院的 判决首次将这类行为明确认定为敲诈勒索罪，打破了同类案件的定性局限。 自2022年起，曾某鹏团伙通过非法渠道批量购置逾期借款人的电话号码，以"精准营销"方式 吸引有信用问题的客户 ...

这些组织以"帮助"逾期客户减免债务为名，实则通过伪造材料、恶意投诉、信息买卖等手段， 对金融机构实施胁迫，从中牟取暴利。 过去，这类行为多被定性为"诈骗"，而近期多地法院 在判决中明确将其认定为"敲诈勒索罪"，实现了从"骗客户"到"逼机构"的司法认定升级。 近期，多地司法机关接连宣判非法代理维权相关案件，将"恶意投诉 + 胁迫金融机构"的行为定 性为敲诈勒索，显示出司法系统对金融黑灰产的打击正在进入新阶段。 作者丨郭聪聪 编辑丨方海平 近年来，随着金融市场的发展，一批打着"债务优化""征信修复""代理退保""反催收"旗号的非 法代理维权组织悄然兴起，形成了一条隐蔽而庞大的金融黑灰产业链。 资料图片 从"诈骗"到"敲诈勒索"， 定罪逻辑正发生转变 21世纪经济报道记者获悉，近期，上海市长宁区法院判决了一起侵犯公民个人信息并实施敲诈 勒索的案件。 被告人曾某等人经营两家信息咨询公司，该团伙自2022年起通过购买大量逾期客户电话号码， 以"债务减免""利息清零"为噱头，吸引逾期债务人购买其"维权代理"服务。在收取高额服务费 后，该团伙通过伪造证据、编写统一投诉模板，集中向金融平台发起恶意投诉，胁迫金融机构 减免息费 ...

Core Viewpoint - The rise of illegal debt optimization and rights protection organizations has led to a significant shift in judicial recognition from "fraud" to "extortion," indicating a new phase in the crackdown on financial black and gray industries [1][2][3] Group 1: Nature of Illegal Activities - These organizations operate under the guise of helping overdue clients reduce debts but engage in coercive tactics against financial institutions, including forgery and malicious complaints, to extract profits [1][2] - A recent case revealed a gang that, since 2022, used purchased overdue customer information to lure clients into paying for their "rights protection" services, resulting in illegal gains exceeding one million yuan [2][3] Group 2: Legal and Judicial Developments - The judicial system has begun to classify the actions of these organizations as extortion, which carries heavier penalties compared to fraud, thus increasing the legal risks for offenders [3][4] - The shift in legal classification allows for a comprehensive crackdown on the entire criminal chain, targeting both the deception of clients and the coercion of financial institutions [3][4] Group 3: Impact on Financial Institutions - The illegal activities have raised operational costs for financial institutions and disrupted the normal regulatory environment, leading to broader implications for social credit systems [5][6] - The involvement of personal information violations is prevalent, as criminals require sensitive data to execute their schemes, which can lead to further criminal activities such as fraud and money laundering [5] Group 4: Collaborative Governance Efforts - A multi-departmental approach is being implemented to combat the black and gray financial industries, with law enforcement and regulatory bodies working together to enhance legal enforcement and administrative oversight [5][6] - Recent initiatives include the establishment of risk models using technology to identify and warn against malicious complaints, demonstrating a proactive stance in regulatory measures [5][6] Group 5: Achievements in Law Enforcement - Significant progress has been made in various regions, with numerous cases being prosecuted and substantial amounts of money involved, indicating a strong legal deterrent against these illegal activities [6]

"征信有污点？7天帮你修复！""网贷逾期怎么办，别慌，我这帮你解决！"你是不是也曾刷到过此类营 销视频？本以为是"救命稻草"，实则却是金融黑产精心设计的圈套。 而这类金融黑灰产还在不断异化升级，几十元一条的逾期客户线索、AI生成的虚假贫困证明、花了钱 就能推到你眼前的"债务减免"广告……这不再是某犯罪电影的剧情，而是金融黑灰产的真实运作链条。 如今，面对越来越"诡诈"的黑产手段，一场由金融行业掀起的技术预警与生态协同也在建立。"用魔法 打败魔法！"正如一业内人士说道，AI换脸、仿冒App、虚假交易平台等手段，让诈骗变得更隐蔽、更 精准。而同样的，金融机构也在通过智能风控，实现从事后处置向事中拦截、事前预警。 不久前的2025金融街论坛年会期间，多部门发布《关于打击治理金融黑灰产的联合倡议书》，呼吁协同 多方力量，形成共治合力，遏制金融黑灰产蔓延，防范化解金融系统性安全风险。北京商报记者注意 到，包括马上消费金融、微博借钱、乐信等多家机构也在落实行动，用技术创新和行业协同筑起新的防 护墙。 上千种暗语！黑产套路翻新 "以前是电线杆上贴小广告，现在是各平台投流精准推送。"谈到金融黑灰产，多个金融业从业者均称深 受 ...

Core Viewpoint - The recent judicial ruling marks a significant breakthrough in combating financial black and gray industries, specifically defining illegal agency behavior in the loan assistance sector as extortion, which raises the legal stakes for similar cases [1][6]. Summary by Sections Judicial Ruling and Legal Implications - The case represents the first instance of classifying illegal agency behavior in the loan assistance industry as extortion, establishing a legal precedent that could deter similar actions in the future [1][6]. - The court's decision highlights that coercing financial institutions to waive fees through malicious complaints constitutes extortion, thus clarifying the legal boundaries for such actions [6]. Case Details - The defendants, including Zeng Moupeng, were found guilty of extortion and violating personal information laws, with the total amount involved exceeding one million yuan [3][4]. - The court imposed sentences ranging from three years and ten months to eight years and six months, along with fines between 50,000 and 120,000 yuan [4]. Characteristics of Financial Black and Gray Industries - Financial black and gray industries are evolving, becoming more technical, scenario-based, and professional, utilizing various platforms for illegal activities [7]. - These industries often disguise themselves as legal entities, employing deceptive marketing tactics to lure consumers while engaging in illegal practices such as fabricating evidence and malicious complaints [7]. Ongoing Actions Against Financial Crimes - Authorities are actively responding to the changing landscape of financial black and gray industries, with initiatives to combat fraud and misinformation set to take place from September to December 2025 [8]. - Legal experts suggest a comprehensive approach to dismantle the entire criminal network, including those providing client information and technical support, to effectively address the issue [8].

Core Viewpoint - The joint initiative aims to combat financial black and gray industries by establishing a comprehensive prevention and control system to create a clear, safe, and trustworthy financial ecosystem [1] Group 1: Regulatory Framework - The financial black and gray industries exploit consumers' urgent need for rights protection, engaging in illegal activities under the guise of "legitimate rights protection" [1] - Despite efforts from regulatory bodies, the effectiveness of combating these industries remains inadequate, necessitating a robust legal framework and enhanced collaboration among various stakeholders [1] Group 2: Social Interaction System - Establishing a social interaction system that standardizes rights protection and enforces responsibilities is crucial for gathering societal support against financial black and gray industries [2] - Strengthening consumer rights protection and ensuring efficient complaint handling can prevent illegal actors from exploiting consumers' urgent need for rights protection [2] Group 3: Public Awareness and Education - A multi-faceted approach involving regular interaction among financial regulators, prosecutorial agencies, and academic institutions is essential for clarifying legal boundaries and enhancing practical applications [3] - Public education initiatives, such as "Financial Knowledge Promotion Month," are vital for improving the public's ability to identify and resist financial black and gray industries [3]