所谓代理退保，并非新生事物。在金融监管总局官网，能查到较早的警示文件可追溯至2019年。 此后几年，这场灰色生意经历了三个发展周期。记者从一位研究代理退保黑灰产专家处了解到，第一阶段在2020年。其诱因不仅是经济压力，更关键的是短 视频平台带来的流量红利，打破了保险信息的壁垒，也让退保信息得以广泛传播。当时投诉渠道畅通，保险公司处理效率高，退保黑产主要通过信息差获 利。 在各家保险公司殚精竭虑地发出警告，甚至将"代理退保"的危害拍成短剧的今天，代理退保这条游走在灰色地带的产业链非但没有销声匿迹，反而在短视频 平台的流量浇灌下愈发活跃。他们披着"维权""法律咨询"的外衣，以"正义使者"自居，为焦虑的投保人递上一颗看似能"全额退保及时止损"的后悔药，专治 消费者的不甘。 然而，这颗药丸的毒性远超想象：它不仅让消费者面临"险财两空"的窘境，更折射出保险行业粗放发展遗留的历史顽疾，考问着多方共治下的监管难题。北 京商报记者调查发现，代理退保黑产已悄然演化出三个发展周期，在流量红利下高度产业化运作。 为何这剂"毒丸"，总能找到它的"买家"？ 演变的三阶段 第二个阶段始于保险公司发现退保赔付激增，传统投诉渠道逐渐失效。黑 ...

2025年7月18日，福建省龙岩市中级人民法院对一起重大"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，被判处有期徒刑11个月至4年6个月不等刑罚，并处罚金5000至两 万元不等。其中，主犯洪某某被判处有期徒刑4年6个月，并处罚金2万元。 该案件是福建省第4例以"敲诈勒索罪"成功精准打击的"代理退保"黑产刑事案件。由福建省龙岩市 永定区公安机关侦办，检察院审查，金融监管部门协同联动，平安人寿等保险机构积极配合，充分运用 科技赋能手段，完整揭露并摧毁了一条组织严密、跨区域运作的黑色产业链，追缴违法所得，有力维护 了金融市场秩序和消费者合法权益。 "警检监企"联动锁定跨区域犯罪链条 2022年10月，金融监管部门联动福建省公安厅在福建省部署打击整治"代理退保"黑产违法犯罪专项 行动，龙岩市公安局迅速响应并着手落实。随后，2022年11月，平安人寿在龙岩市永定地区开展不良代 理投诉治理工作时，发现洪某某犯罪团伙通过线上线下渠道在全国多地设立窝点，以"全额退保"为幌子 发布虚假广告，涉嫌教唆投保人非正常退保、伪造证据及恶意投诉非法牟利，平安人寿随即向属地公安 机关报案。 面对该团伙职业化、 ...

Core Viewpoint - The article discusses significant developments in the industry, highlighting key trends and potential impacts on companies involved [1] Group 1 - The industry is experiencing a shift due to recent regulatory changes, which may affect operational strategies for companies [1] - Companies are adapting to new market conditions, focusing on innovation and sustainability to maintain competitiveness [1] - Financial performance metrics indicate a mixed outlook, with some companies reporting growth while others face challenges [1] Group 2 - Investment opportunities are emerging in sectors aligned with technological advancements and environmental considerations [1] - The competitive landscape is evolving, with new entrants disrupting traditional business models [1] - Stakeholder engagement is becoming increasingly important for companies to navigate the changing regulatory environment [1]

Core Viewpoint - The event "Insurance Power Protecting a Better Life in Tianjin" aims to enhance public financial literacy and risk awareness while protecting the legal rights of insurance consumers through a live broadcast on the National Insurance Publicity Day [1] Group 1: Event Overview - The live broadcast featured discussions on four main themes: avoiding agent refund scams, understanding personal annuities, insurance purchasing for young people, and the "Hui Min Bao" insurance program [1][2] - The event was organized by the Tianjin Insurance Industry Association and the Tianjin Insurance Society, focusing on current consumer concerns and providing a wealth of insurance knowledge [1][4] Group 2: Key Topics Discussed - Experts addressed the operation modes and common phrases used in agent refund scams, educating viewers on how to identify and prevent such illegal activities [2][3] - The characteristics and functions of personal annuity products were explained, emphasizing their role in providing stable cash flow for quality retirement living [2][3] - The discussion included tailored insurance solutions for young people, promoting awareness of risk management and insurance planning [2][3] - The "Tianjin Hui Min Bao" program was highlighted as an essential supplement to basic medical insurance, providing families with stronger health risk protection [2][3] Group 3: Future Initiatives - The event represents a significant step for the Tianjin insurance industry in fulfilling its social responsibility and enhancing financial education [4] - The industry plans to continue collaborating with various stakeholders to innovate promotional methods and regularly conduct financial literacy education [4] - The goal is to create a safe and trustworthy insurance consumption environment, ensuring that insurance effectively supports the better lives of Tianjin residents [4]

Group 1 - The 13th "7.8 National Insurance Publicity Day" was actively participated by Bohai Life Insurance Tianjin Branch, which engaged in a live broadcast event organized by the Tianjin Insurance Industry Association to promote positive energy in the insurance sector [1][3] - The theme of the live broadcast was "Insurance Power: Protecting a Beautiful Life in Tianjin," where representatives from various insurance institutions discussed hot topics of consumer concern, providing valuable insights into insurance [3] - The Deputy General Manager of the branch, Cao Yan, highlighted the dangers of "agent policy cancellation black market" during the event, educating the public on how to identify and avoid such fraudulent schemes [3][4] Group 2 - The marketing and consumer rights protection department heads of the Tianjin branch were invited to participate in a special segment on Tianjin Radio's economic channel, sharing practical financial knowledge with listeners [4] - The company emphasized its dual approach of offline and online services, focusing on upgrading services for the elderly and creating accessible environments in its branches [4][5] - During the "National Anti-Fraud Month," the Tianjin branch issued warnings to the public about fraud prevention, aiming to enhance awareness and capabilities in recognizing and combating fraud [5] Group 3 - The Tianjin branch is actively conducting various activities for the 2025 "7.8 National Insurance Publicity Day," collaborating with industry broadcasts to build a reliable and warm image of the insurance industry [5] - The company aims to provide high-quality and professional insurance services to enhance the quality of life for residents in Tianjin, contributing to the healthy development of the local insurance industry and a harmonious financial consumption environment [5]