本应是企业用工风险"防护盾"的雇主责任险，正沦为不法分子的"敛财工具"。12月4日，北京商报记者 注意到，日前央视新闻公布了一则跨领域的雇主责任险相关保险诈骗案，不法分子利用保险公司承保审 核、理赔调查等环节的漏洞，采用多种手段进行骗保，使雇主责任险沦为其"摇钱树"。近两年，雇主责 任险成为保险欺诈的"重灾区"，相关不法行为越来越多。对于保险机构和相关部门来说，该如何堵住风 控漏洞、斩断骗保黑灰产业链，才能有效遏制这一犯罪态势的发展？ 理赔成了"摇钱树" 雇主责任险，原本是保障员工权益、化解企业生产风险的一种有益方式。然而，这种专为雇主设立的险 种，却被一些不法分子视为赚钱的工具。 据央视新闻报道，一起发生在江苏的特大保险诈骗案，背后是一条横跨多行业、覆盖9省16市的骗保黑 灰产业链，涉案金额高达2.7亿余元。 近些年，雇主责任险相关保险诈骗屡见报端。甚至可以说，雇主责任险正在偏离初衷，变成一些别有用 心者的"敛财工具"。从各地警方近期披露的案例来看，通过虚假劳务合同、伪造住院病历等手段骗取保 险赔偿，有的已经形成造假产业链。这些行为不仅损害了保险公司的利益，也破坏了保险市场的健康发 展。 业内人士表示，建议 ...

本应是企业用工风险"防护盾"的雇主责任险，正沦为不法分子的"敛财工具"。12月4日，北京商报记者注意到，日前央视新闻公布了一则跨领域的雇主责 任险相关保险诈骗案，不法分子利用保险公司承保审核、理赔调查等环节的漏洞，采用多种手段进行骗保，使雇主责任险沦为其"摇钱树"。近两年，雇主 责任险成为保险欺诈的"重灾区"，相关不法行为越来越多。对于保险机构和相关部门来说，该如何堵住风控漏洞、斩断骗保黑灰产业链，才能有效遏制这 一犯罪态势的发展？ 理赔成了"摇钱树" 缘何雇主责任险会成为不法分子的"敛财法宝"？浙大城市学院副教授林先平表示，雇主责任险出现乱象背后，一是高风险行业事故概率较高，为骗保提供 了可乘之机；二是保险公司在承保和理赔环节的风控机制不完善，对投保主体资质、事故真实性审核不严；三是跨区域作案和团伙化欺诈增加了调查难 度，行业信息共享不足导致"信息孤岛"。 需建立互相协作的反诈机制 近些年，雇主责任险相关保险诈骗屡见报端。甚至可以说，雇主责任险正在偏离初衷，变成一些别有用心者的"敛财工具"。从各地警方近期披露的案例来 看，通过虚假劳务合同、伪造住院病历等手段骗取保险赔偿，有的已经形成造假产业链。这些行为不仅 ...

Core Viewpoint - U.S. Senators Josh Hawley and Richard Blumenthal have called for a formal investigation into Meta by the FTC and SEC, alleging that the company profits significantly from fraudulent advertisements and fails to adequately protect consumers [2][4]. Group 1: Allegations Against Meta - Meta is accused of generating approximately 10% of its annual revenue, amounting to $16 billion, from illegal advertisements in 2024 [4]. - The company reportedly earns around $3.5 billion every six months from "high-risk" fraudulent advertisements [4]. - Internal documents suggest that Meta's anti-fraud enforcement is influenced by a "revenue red line," where actions that could result in more than a 0.15% loss in advertising revenue are not taken [4]. Group 2: Impact on Consumers - Senators claim that Meta's platforms are linked to one-third of successful fraud cases in the U.S., potentially correlating with over $50 billion in consumer economic losses based on FTC estimates of $158.3 billion in total fraud losses [5]. - In the UK, Meta's platforms are associated with 54% of payment-related fraud, according to a 2024 report [5]. - A Morgan Stanley survey indicates that nearly half of the fraud cases on the Zelle payment platform are related to Meta's services [5]. Group 3: Meta's Response and Criticism - Meta's spokesperson claims that the senators' statements are exaggerated and incorrect, noting a 58% decrease in fraud reports received over the past 18 months [6]. - Senators question Meta's commitment to combating fraud, citing significant layoffs in safety and compliance roles while investing heavily in generative AI [7]. - The senators argue that Meta's focus on short-term regulatory risks and the allocation of only $1 billion for potential fines is insufficient compared to the $7 billion annual revenue from high-risk advertisements [7]. Group 4: Call for Investigation - Senators urge the FTC and SEC to conduct a comprehensive investigation into Meta's reliance on fraudulent advertisements and inadequate anti-fraud measures [7]. - They recommend severe penalties if the investigation confirms the allegations, including the recovery of illegal advertising profits, substantial civil fines, and accountability for executives [7].

Core Viewpoint - The revision of the "Management Measures for Consumer Finance Companies" in 2024 aims to strengthen the professional positioning of consumer credit functions, enhance consumer rights protection, and support the recovery and expansion of consumption for high-quality development [1][3]. Regulatory Environment - Recent regulatory policies, particularly the new directive to reduce borrowers' comprehensive financing costs, will impact the business models and pricing strategies of consumer finance companies in the short term, but are expected to promote high-quality development in the long term [1][2]. - The "Loan Facilitation New Regulations" issued by the National Financial Supervision Administration in April 2025, effective from October 1, emphasizes compliance and risk control in the internet loan facilitation business [1][2]. Industry Challenges - Small and medium-sized consumer finance companies that overly rely on loan facilitation face significant pressure due to regulatory changes [2]. - Many consumer finance companies lack independent customer acquisition and risk control capabilities, leading to high financing costs for borrowers [2][5]. Development Strategies - Consumer finance companies should focus on enhancing technology investment and team building to improve core competencies in customer acquisition and risk control [2][3]. - Companies are encouraged to seek differentiated competition by focusing on specific consumer scenarios or target customer groups, leveraging shareholder resources and technological advancements [3][4]. Risk Management and Operational Efficiency - Companies must adopt precise risk pricing and refined operational capabilities, utilizing big data and AI for better customer profiling and differentiated pricing [4]. - There is a need to optimize business models and cost structures by reducing reliance on guarantee and credit enhancement models, transitioning to a model where core risk control is self-managed [4][6]. Compliance and Consumer Protection - Compliance management is becoming essential for survival, requiring integration into all business processes and establishing comprehensive compliance review mechanisms [5]. - Strengthening consumer rights protection and reducing customer complaints are critical, necessitating a robust governance framework that includes consumer rights in daily operations [5][6]. Future Outlook - The consumer finance sector is expected to maintain good development potential, with policies guiding companies towards high-quality growth and responsible consumer finance practices [3][6].

Group 1 - The core theme of the financial education campaign is "Protecting Financial Rights and Supporting a Better Life," aimed at enhancing public financial literacy [1] - The campaign includes outreach to rural areas, specifically targeting villagers to educate them on preventing illegal fundraising and fraud [1] - The initiative involves collaboration with local village committees to disseminate financial knowledge through accessible language and media [1] Group 2 - The "Into the Fishing Village" activity also features a "Hundred Days of Anti-Fraud Education" campaign, distributing educational materials to fishermen [3] - The company engaged with local fishery operators to assess their insurance needs and provide tailored insurance plans [3] - The activities have successfully fostered a closer relationship between the company and the community, creating a positive atmosphere for financial security [3]

Core Viewpoint - The article highlights the importance of anti-fraud measures in banking, showcasing a successful interception of a telecom fraud attempt at a bank branch, emphasizing the need for heightened awareness and training among bank employees to protect customers' funds [1][2]. Group 1 - A middle-aged woman approached the bank staff after receiving a suspicious message claiming she had won a prize, which was identified as a typical telecom fraud attempt [1]. - The bank staff demonstrated a high level of risk awareness and successfully identified the fraudulent message, preventing potential financial loss for the customer [1]. - Key measures contributing to the successful prevention of fraud included employee training, regular anti-fraud drills, and a robust risk response mechanism [1]. Group 2 - The bank plans to enhance employee training and public awareness through various initiatives, including micro-salons, distribution of informational brochures, and displaying warning cases on electronic screens [2]. - The bank is committed to a customer-centric approach, fulfilling its social responsibility as a financial institution to protect the public's financial interests and contribute to the stability of the financial order and social harmony [2].

Core Insights - The article highlights the increasing vulnerability of digital disadvantaged groups, such as the elderly and those in economically underdeveloped areas, to telecom fraud, which is becoming a significant societal issue [1][2][3] Group 1: Telecom Fraud and Vulnerable Groups - Telecom fraud is particularly targeting digital disadvantaged groups, making it difficult for them to recognize and prevent scams [1][2] - A specific case involving a woman from Huzhou, Zhejiang, illustrates how easily these groups can fall victim to scams, resulting in potential losses of up to 1.48 million yuan [1] - Experts emphasize the need for protective measures and self-defense strategies for these vulnerable populations [1][2] Group 2: Technological Challenges and Responses - Fraudsters are leveraging advanced technologies, including AI, to create sophisticated scams that are hard for the elderly and less tech-savvy individuals to detect [2][3] - The rapid evolution of fraud techniques outpaces the limited anti-fraud knowledge of these vulnerable groups, leading to significant financial losses [2][3] Group 3: Same Technology for Defense - Tongdun Technology has developed a comprehensive "telecom fraud risk defense solution" that analyzes user behavior and fraud patterns from both victim and fraudster perspectives [3][4] - This solution aims to cover the entire fraud process, including warning, detection, handling, tracking, and prevention, to thwart fraud attempts at the earliest stage [3][4] Group 4: Collaborative Efforts in Fraud Prevention - The fight against telecom fraud requires collaboration among banks, government, and enterprises to create a robust defense network [5][6] - Tongdun Technology is actively working with various stakeholders to enhance fraud prevention capabilities and reduce costs associated with anti-fraud measures [5][6] Group 5: Public Awareness and Education - Since 2021, Tongdun Technology has initiated public awareness campaigns to educate communities about telecom fraud, reaching tens of thousands of individuals [6] - The company has successfully assisted banks in developing long-term anti-fraud mechanisms, achieving a 90% accuracy rate in predicting risks in significant fraud cases [6]

Group 1 - The core theme of this year's National Insurance Publicity Day is "Love and Responsibility, Insurance Makes Life Better" [1] - The event aims to enhance public awareness of financial risk prevention, focusing on anti-fraud, anti-money laundering, and prevention of illegal fundraising [1][5] - The promotional activities included distributing brochures and engaging the community through interactive games to educate residents about common financial scams [3][5] Group 2 - The promotional team provided one-on-one consultation services to address public inquiries regarding insurance claims processes, payout ratios, and special agreements [5] - A total of over 40 promotional materials were distributed during the event, effectively increasing community residents' awareness and ability to respond to financial fraud [5] - The company plans to continue regular financial knowledge dissemination in various community settings to strengthen financial security and protect residents' assets [5]