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。 南方财经全媒体记者 林汉垚 实习生 涂盛青 近日，国家金融监管总局与公安部联合发布的第二批金融领域"黑灰产"违法犯罪典型案例，其中保险领 域的"短期退保"合同诈骗与非法购买公民信息代理退保案尤为突出， 与此同时，中国保险行业协会（下称"中保协"）反保险欺诈专业委员会常务委员工作会议在京召开，强 调构建"监管引领、协会统筹、机构协同、社会参与"的反欺诈体系。 多位业内人士在接受21世纪经济报道记者采访时指出，2026年，保险领域的"黑灰产"治理将迎来新一轮 高潮。 恶意退保构成合同诈骗罪 近年来，保险"黑灰产"已从零散的诈骗行为演变为分工明确、环节严密的产业化犯罪链条。从利用"基 本法"漏洞套取佣金的"恶意退保"，到非法购买个人信息精准围猎客户的"代理退保"，黑灰产的手法不 断翻新、模式持续异化。 在最新发布的第二批典型案例中，宋某等人以"短期退保"名义实施合同诈骗案，便是典型代表。 期间，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 ...

北京商报讯（记者 胡永新）1月23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。其中一则案例为宋某等人以"短期退保"名义实施合同诈骗案。 通过典型个案打击，金融监管部门会同公安司法机关持续加强行刑衔接，以风险提示、司法建议、普法 宣传等举措，深化案例警示教育、强化法律义务告知，指导保险机构进行投保人真实意愿核查管理和风 险管理，通过"个案办理—类案分析—制度完善"的路径，持续深入开展行业治理，形成行业自律、监管 执法、司法打击的联动型防范和惩治保险领域"黑灰产"合力，从源头上防范黑产团伙损害金融消费者和 保险机构利益。 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，部分人员适用 缓刑。其中，宋某因缓刑考验期内犯新罪，撤销原刑事判决书的缓刑部分，决定合并执行有期徒刑十二 年并处罚金。相关判决均已生效。 从典型意义来看，近年来，退保黑产犯罪在保险行业呈增长态势，严重扰乱金融市场秩序。本案中，犯 罪团伙虚构具有投保意愿及投保续保能力的事实，隐瞒主观上不具 ...

Group 1 - The core viewpoint of the articles highlights the serious issues of illegal activities in the insurance sector, particularly focusing on "malicious policy cancellations" and "injury brokers" manipulating claims and assessments, which disrupts industry order [1][2] - The recent crackdown on illegal activities indicates a consensus among regulatory bodies that the issue of insurance black and gray markets requires coordinated efforts and long-term systemic governance [2] - Insurance institutions are urged to take primary responsibility for addressing the root causes of black and gray market activities, which are often linked to imbalanced internal incentive mechanisms and inadequate risk control [2] Group 2 - Consumers are not merely bystanders in the black and gray market chain; they are often exploited due to their lack of understanding of insurance terms and anxiety over claims processes, leading them to engage in fraudulent activities [3] - The shift from merely combating illegal activities to a more comprehensive governance approach signifies an upgrade in regulatory philosophy, aiming to clarify institutional boundaries and strengthen public awareness [3]

Core Insights - The financial sector has seen significant progress in combating organized crime, with over 1,500 cases reported and nearly 30 billion yuan involved in the last six months [1][2][3] - The insurance industry is particularly affected by organized fraud, with cases showing high levels of professionalization and organization [1][2] Group 1: Crime Statistics and Actions - From June to November, nearly 60 operations were conducted, resulting in the dismantling of over 200 criminal gangs [1] - The Ministry of Public Security and the National Financial Regulatory Administration reported that over 4,500 leads were transferred to law enforcement, involving more than 21 billion yuan [3] Group 2: Nature of Insurance Fraud - Insurance fraud has evolved into a complete industrial chain, including false advertising, provision of counter-tutorials, and fabrication of false evidence [2] - The "malicious refund" scheme exploits loopholes in the commission structure, leading to significant financial losses for insurance companies [6][8] Group 3: Regulatory Challenges and Responses - The insurance sector faces challenges in identifying and prosecuting black and gray market activities, with traditional regulatory measures proving insufficient [2][5] - New regulations, such as the Insurance Sales Behavior Management Measures, aim to curb illegal activities related to insurance refunds [7] Group 4: Case Studies of Fraud - The case involving "Shi and others" highlights the manipulation of insurance commission systems, resulting in over 4 million yuan in fraudulent commissions [6] - The "personal injury yellow cow" scheme demonstrates how fraudsters exploit victims of accidents to claim insurance money through fabricated evidence [9][10] Group 5: Future Regulatory Directions - The National Financial Regulatory Administration emphasizes the need for improved risk management and internal controls within financial institutions to combat organized crime effectively [11][12] - Future efforts will focus on enhancing collaboration between regulatory bodies and law enforcement to strengthen the fight against financial crime [12]

Core Insights - The financial sector has seen significant progress in combating organized crime, with over 1,500 cases reported and nearly 30 billion yuan involved in the last six months [1] - The crackdown has revealed a highly organized and professional nature of insurance fraud, particularly in malicious policy cancellations and collusion with assessment agencies [1][3] Group 1: Financial Crime Statistics - From June to November, nearly 60 operations were conducted, resulting in the dismantling of over 200 criminal gangs [1] - The National Financial Regulatory Administration has transferred over 4,500 leads to law enforcement, involving amounts exceeding 21 billion yuan [4] Group 2: Nature of Insurance Fraud - Insurance black and gray industries have evolved into a complete industrial chain, including false advertising, providing counter-tutorials, and negotiating on behalf of clients [3] - Malicious policy cancellations have been identified as a form of contract fraud, exploiting commission structures to generate profits [6][8] Group 3: Regulatory Response - The regulatory approach has shifted from fragmented efforts to a more coordinated strategy involving both regulatory and law enforcement agencies [5][11] - New regulations, such as the Insurance Sales Behavior Management Measures, aim to curb illegal activities related to policy cancellations [7] Group 4: Case Studies - The case of "Shi and others suspected of contract fraud" illustrates how criminal groups exploit commission systems to create a façade of legitimate insurance transactions [6] - The "personal injury yellow cow" scheme demonstrates the direct erosion of legal integrity in claims processes, with criminals manipulating injury assessments for financial gain [9][10] Group 5: Future Directions - The National Financial Regulatory Administration plans to intensify efforts against illegal loan intermediaries and unauthorized claims agents, maintaining a high-pressure enforcement environment [12] - Financial institutions are urged to strengthen internal controls and risk management to prevent exploitation by black and gray industries [11]

Core Viewpoint - The company is actively engaging in public awareness campaigns to combat insurance-related fraud and enhance financial safety for consumers [1][3]. Group 1: Campaign Details - On August 15, the company organized a promotional event themed "Combating Black and Gray Industries, Safeguarding Financial Security" at Wanda Plaza in Liaocheng [1]. - The event aimed to educate the public about insurance knowledge and expose scams such as "agent policy cancellation" [1][3]. Group 2: Educational Efforts - The company set up consultation booths, displayed promotional boards, and distributed brochures to inform the public about the dangers of malicious policy cancellations and full refunds [3]. - Staff utilized real case studies to analyze scam techniques, warning citizens about common traps like "policy cancellation investment" and "scalper fraud" [3]. Group 3: Impact and Future Plans - The campaign effectively enhanced public self-protection awareness and demonstrated the company's commitment to social responsibility and financial safety [3]. - The company plans to continue promoting financial knowledge to contribute to a harmonious and stable financial environment [3].