当你滑动手机，看到那些顶着"律师"头衔、声称能帮你"全额退保"的短视频账号时，或许不会想到，其 光鲜认证的背后，可能只是一层花费几百元租来的"画皮"。北京商报记者此前的调查已揭开冰山一角： 利用租借或冒用的正规律所账号进行获客宣传，已成为代理退保黑灰产链条上的标准操作。 律所账号仅为"马甲"？ 监管出手揭开了不法"代理维权"视频的精致画皮。 相关提示指出，近期，社会上一些组织和个人通过短视频及直播等自媒体平台违规制作、散布涉及"全 额退保"等不实短视频，甚至以直播形式传授"技巧"，诱导金融消费者、投资者委托其"代理维权"，从 而收取高额咨询费、服务费，以"依法维权"之名行"非法牟利"之实。此类不法"代理维权"短视频、直播 传播不实信息，扰乱金融市场秩序，侵害金融消费者、投资者合法权益。 需要关注的是，五部门此次详尽披露了不法"代理维权"短视频、直播乱象的主要特征。其中包括谎 称"监管部门出新政"。在"退保"层面，此类短视频、直播以监管部门强化监管、出台监管新规为名， 以"全额退保"等为噱头，散布"退保新政"等不实信息混淆视听。部分短视频、直播错误引用甚至有意曲 解金融管理部门相关政策规定，让金融消费者、投资者 ...

当你滑动手机，看到那些顶着"律师"头衔、声称能帮你"全额退保"的短视频账号时，或许不会想到，其光鲜认证的背后，可能只是一层花费几百元租来 的"画皮"。北京商报记者此前的调查已揭开冰山一角：利用租借或冒用的正规律所账号进行获客宣传，已成为代理退保黑灰产链条上的标准操作。 如今，这一潜藏于流量池中的乱象，终于迎来了监管的重拳整顿。2月6日，金融监管总局等五部门联合发布风险提示，剑指短视频及直播平台中的不法"代 理维权"陷阱。 相关提示指出，近期，社会上一些组织和个人通过短视频及直播等自媒体平台违规制作、散布涉及"全额退保"等不实短视频，甚至以直播形式传授"技巧"， 诱导金融消费者、投资者委托其"代理维权"，从而收取高额咨询费、服务费，以"依法维权"之名行"非法牟利"之实。此类不法"代理维权"短视频、直播传播 不实信息，扰乱金融市场秩序，侵害金融消费者、投资者合法权益。 需要关注的是，五部门此次详尽披露了不法"代理维权"短视频、直播乱象的主要特征。其中包括谎称"监管部门出新政"。在"退保"层面，此类短视频、直播 以监管部门强化监管、出台监管新规为名，以"全额退保"等为噱头，散布"退保新政"等不实信息混淆视听。部分短 ...

以"短期退保"名义实施合同诈骗 根据通报，2020年7月起，宋某经营某保险经纪公司分公司，代理销售某保险公司年金险、重疾险 等保险产品并收取相应佣金。2020年10月至2022年5月，宋某以承诺返佣、保本付息为诱饵，直接发展 或招募仇某、季某等人，由其发展18名投保人，在投保人无真实意愿且无长期续保能力的情况下，由投 保人自筹资金，或由仇某、季某等人推荐融资垫付首期保费的方式，安排18名投保人先后投保20份10年 期年金险、8份20年期重疾险，并于投保后一个月至一年不等的时间内退保。 "代理退保"乱象不断，是金融领域"黑灰产"的主要表现之一。 近日，金融监管总局、公安部联合发布第二批金融领域"黑灰产"违法犯罪典型案例。这也是继2025 年9月公布首批案例后，两部门再次集中曝光金融领域"黑灰产"突出违法犯罪行为。 本次通报共涵盖5起案件，其中3起涉及银行业，2起涉及保险业。值得注意的是，保险业的两起案 例均与"代理退保"有关。 2023年9月，公安机关接到保险公司报案后对本案立案侦查。2025年3月至9月，法院对本案作出判 决。经法院审理，以合同诈骗罪判处宋某等七人有期徒刑十年六个月至一年不等，并处罚金，部分人 ...

Core Viewpoint - The article emphasizes the crackdown on illegal activities in the insurance sector, particularly focusing on the rise of "black and gray" industries related to insurance fraud and the illegal purchase of personal information [1][5]. Group 1: Insurance Fraud Cases - A case involving Song and others was reported, where they committed contract fraud under the guise of "short-term policy cancellation." From July 2020 to May 2022, they developed 18 policyholders who were misled into purchasing insurance products without genuine intent to maintain them, resulting in a total investment of over 17.63 million yuan and a loss of 5.84 million yuan to the insurance company [4][5]. - The court sentenced Song and six others to prison terms ranging from one year to ten and a half years for contract fraud, with some receiving fines and others on probation. Song's probation was revoked due to committing a new crime [4][5]. Group 2: Illegal Purchase of Personal Information - Another case involved Wang and others who illegally purchased personal information of insurance policyholders for the purpose of "agent policy cancellation." They acquired 67,207 records, profiting 68,749 yuan from this illegal activity [7][8]. - The regulatory authority highlighted the importance of punishing illegal information purchases to protect personal data security. The article notes that the "agent policy cancellation" industry often begins with the illegal acquisition of personal information, which can lead to targeted scams [8]. Group 3: Regulatory Response - The Financial Regulatory Authority stated that there has been a growing trend in insurance-related fraud, which disrupts market order. They are committed to severe penalties and cross-departmental cooperation to combat these illegal activities [5][8]. - The article calls for a robust mechanism to prevent such crimes, emphasizing the need for collaboration between insurance companies, law enforcement, and public awareness campaigns to create a comprehensive defense against these "black and gray" industries [8].

近年来，"代理退保"这一游走在灰色地带的产业链，已成为监管部门的重点整治对象。各级监管机构接连发布风险提示，消费者对此类陷阱也或多或少有所 警觉。然而，北京商报记者调查发现，在持续的严打之下，黑产并未销声匿迹，反而进化出更为隐蔽和精密的"标准化"作业模式。 一方面，是触手可及的"律师马甲"，通过租赁或冒用正规律所资质，在社交平台上打造出一个个看似正义的"维权专家"人设，以此突破消费者的心理防线； 另一方面，则是明码标价的"投诉剧本"，由所谓的"法务老师"凭空捏造情节、虚构销售误导事实，炮制出格式统一、情感充沛的千字投诉信。 从黑灰产团队能租来的信用背书，到消费者能买来的虚假文案，这条黑色产业链正试图将其非法行径，伪装成一场场"合法"的维权服务。 触手可及的"律师马甲" "昨天下午开会重要决定，全国五十多家保险公司发布退费新规定……""我有一套高额退回保险费的方式""点击头像，找到主页的'客服'，留下'退回'两个 字，我一定帮到底"…… 这样充满诱惑力的话术，你是否在短视频平台上刷到过？这些账号的名字往往带着一种刻意营造的正义感："为民服务X老师""浩然正气的X老师"。更关键 的是，这些账号的认证主体，清一色显 ...

Core Viewpoint - The rise of fraudulent "agent refund" schemes in the insurance sector poses significant risks to consumers, who may be misled into paying fees for services that do not yield the promised refunds or benefits [1][5][6]. Group 1: Consumer Experiences - A 73-year-old consumer fell victim to an "agent refund" scam after being promised a high refund rate for her annuity insurance, leading her to pay a service fee without receiving any actual refund [2][3]. - The consumer was advised to file a complaint with regulatory authorities without first consulting her insurance agent, which is a common tactic used by scammers [3][4]. - After realizing the scam, the consumer was able to recover her service fee with the help of regulatory authorities, highlighting the importance of vigilance against such schemes [4]. Group 2: Nature of Fraud - Fraudulent entities often disguise themselves as legal or consulting firms, using high refund promises to exploit consumers' lack of knowledge about their rights and the insurance process [5][6]. - These scams can lead to significant financial losses for consumers, including the loss of insurance coverage and potential exposure to further scams due to the sale of personal information [6][7]. Group 3: Regulatory Response - The financial regulatory authorities have emphasized that any organization or individual is prohibited from illegally promoting or conducting insurance refund services, with strict penalties for those who engage in such activities [7][9]. - Recent legal actions have been taken against criminal groups involved in "agent refund" scams, with significant financial losses reported for insurance companies and substantial illegal profits for the perpetrators [8][9]. Group 4: Industry Measures - The insurance industry is collaborating with regulatory bodies to enhance the detection and prevention of "agent refund" scams, including the use of technology and data analysis to identify fraudulent activities [10][11]. - There is a call for clearer legal definitions and regulations regarding illegal "agent refund" practices to improve enforcement and consumer protection [11][12].

Core Viewpoint - The article highlights the increasing prevalence of illegal "agent refund" schemes in the insurance industry, which mislead consumers into believing they can recover their premiums through unauthorized channels, leading to financial losses and potential legal issues [1][5][12]. Summary by Sections Consumer Experiences - A 73-year-old woman from Chongqing fell victim to an illegal "agent refund" scam after being misled by a lawyer's claims of high refund rates [2]. - The victim paid a service fee of 4,000 yuan to the scammers, who promised a 90% refund of her premium, significantly higher than the normal rate [3]. - After realizing the scam, the victim was able to recover her service fee with the help of the insurance company and law enforcement [4]. Nature of the Scam - Financial black and gray market organizations exploit consumers' lack of knowledge about their rights and the refund process, often using false claims and fabricated documents to pressure insurance companies into paying excessive refunds [5][6]. - Victims often incur high fees without successfully obtaining refunds, and they risk losing their insurance coverage and personal information [6][7]. Legal and Regulatory Actions - The article discusses a case in Quanzhou where a criminal gang was convicted of extortion related to "agent refund" schemes, resulting in significant financial losses for insurance companies [8]. - Regulatory bodies emphasize that any complaints must be truthful and not fabricated, as malicious complaints can lead to legal consequences for the complainants [9][12]. Industry Response - Financial regulatory authorities are enhancing collaboration with law enforcement to combat illegal "agent refund" activities, including sharing information and conducting joint operations [10][11]. - The use of technology, such as big data and intelligent models, is being implemented to improve the identification and handling of these scams [11]. Recommendations for Improvement - Experts suggest that clearer legal definitions and regulations regarding illegal "agent refund" practices are necessary to facilitate enforcement and protect consumers [12]. - Financial institutions are encouraged to strengthen internal controls and self-regulation to prevent employees from facilitating illegal activities [13].

Core Viewpoint - The rise of fraudulent "agent refund" schemes in the insurance sector poses significant risks to consumers, as these scams exploit individuals' lack of knowledge about their rights and the refund process [1][5][6]. Group 1: Consumer Experiences - A 73-year-old consumer in Chongqing fell victim to an "agent refund" scam after being misled by a supposed lawyer on social media, believing she could recover a significant portion of her insurance premium [2][3]. - The consumer paid a service fee of 4,000 yuan but was later informed that her refund would be much lower than expected, highlighting the deceptive nature of these schemes [3][4]. - After realizing the fraud, the consumer was able to recover her service fee with the help of the insurance company and law enforcement [4]. Group 2: Nature of Fraud - Fraudulent entities often disguise themselves as legal or consulting firms, luring consumers with promises of high refunds and exploiting their lack of knowledge about insurance policies [5][6]. - These scams can lead to significant financial losses for consumers, including the potential loss of insurance coverage and personal information being sold for further fraudulent activities [5][6]. Group 3: Legal and Regulatory Response - The financial regulatory authorities are taking steps to combat these fraudulent practices, including criminal prosecutions for those involved in "agent refund" schemes [7][8]. - Recent cases have resulted in severe penalties for perpetrators, including prison sentences and fines, indicating a growing legal crackdown on such activities [7][8]. - Regulatory bodies emphasize the importance of truthful complaints and warn that fabricating claims can lead to legal repercussions for consumers as well [8][11]. Group 4: Industry Measures - The insurance industry is collaborating with regulatory agencies to enhance efforts against "agent refund" fraud, including the establishment of joint task forces and data-sharing initiatives [9][10]. - Technological advancements are being utilized to improve the identification and handling of fraudulent activities, with companies developing models to detect and analyze such scams [9][10]. - There is a call for clearer legal definitions and regulations regarding illegal "agent refund" practices to strengthen enforcement and consumer protection [10][11].

南方财经全媒体记者 林汉垚 9月26日，广东、福建两地保险行业协会均发布消息，围绕打击"代理退保"黑灰产违法犯罪，组织召开 专题会议与相关培训。其中，广东保险行业协会在协同当地经侦、刑侦、保险机构的基础上，还联合互 联网头部大厂腾讯集团进行工作交流。 图为广东"代理退保"黑灰产乱象治理工作交流会现场 国家金融监管总局党委委员、副局长付万军在"2025年金融教育宣传周"启动仪式上也强调，要加强跨区 域、跨部门协作，对扰乱行业秩序的非法代理退保等乱象开展综合整治，在全社会形成打击治理的舆论 氛围和震慑效应。 至此，在国家金融监管总局与公安部联合部署集群打击行动的背景下，由金融监管、公安机关发起，各 地保险行业协会响应，经侦、刑侦、保险机构以及互联网平台协同，针对"代理退保"黑灰产的全链条防 控与打击体系正在保险领域全面铺开。 合力围剿"代理退保"黑灰产 面对保险领域猖獗的黑灰产乱象，金融监管部门、公安机关、行业协会重拳出击。 早在2022年，原银保监会、公安部、市场监管总局就整治"代理退保"乱象下发通知，并部署专项整治行 动，首次专门针对代理退保进行专项治理。一些地方公安机关还发布了征集"代理退保"线索的通告。 ...