央广网北京12月4日消息（总台记者管昕 孙莹 王延均）据中央广播电视总台中国之声报道，运费险 是电商平台为了方便消费者退换货推出的便利服务，但有不法分子从运费险中找到商机，通过购买高额 运费险来骗取保费。如此"薅羊毛"已被多次曝光，其中不乏触及刑事犯罪的案例。近期，"退货赚运费 险"的教程再度在社交平台悄然传播。 有教程宣称，"11元赔付，5.8元寄出，就能'赚'到差价。"这类教程的核心逻辑是消费者在退货时选 择"自行寄回"方式，通过特定快递平台以较低价格寄出退货包裹，从而获取差价。看似"小赚一笔"的诱 惑背后，暗藏哪些法律风险？ 记者在社交平台搜索发现，有博主发视频教网友打运费险的主意薅羊毛。 该博主表示："咱们用自己的买家号去自己的店铺下单，下单之后，店铺不需要发货，只需要空单 号走过来，回去也弄个空单号，也就几毛钱，一来一回，也就是一块钱左右的成本。一块钱运费险赔个 七八块钱……" 业内人士姜楠告诉记者，从目前司法案例来看，涉及运费险的骗保已呈现作案团伙化甚至形成黑色 产业链的特点。 姜楠说："有的是串联多个平台，手法可能比较传统，就是利用真人刷单的形式去做骗保。现在更 多的其实是倒卖大量平台账号、设备 ...

手机屏幕微光闪烁，"退货赚运费险"的教程在社交平台上悄然传播。"11元赔付，5.8元寄出，就能'赚'到差价。"一条简单算式背后，可能隐藏着一条非法产 业链。12月2日，北京商报记者发现，这类教程在社交平台再度出现。这类教程的核心逻辑是：消费者在退货时选择"自行寄回"方式，通过特定快递平台以 较低价格寄出退货包裹，从而获取差价。 然而，这种"小赚一笔"的诱惑背后，却暗藏着法律风险和行业危机。在业内人士看来，随着"羊毛党"手法不断翻新，运费险这一本为保障消费者权益而设的 保险产品，正被一些人异化为"生财之道"。从单笔获利几元到累计数十万元，这种"薅羊毛"行为已非简单的"小聪明"，而是可能触犯法律的违法行为。 运费险再现"差价诱惑" 根据相关教程，若用户想赚取运费险差价，必须选择"自行寄回"，而非平台默认的"上门取件"。判断公式为：运费险金额－预估运费成本＞0。"你赚取的差 价即等于'运费险赔付金额'减去'在第三方寄件平台实际支付的运费'。例如，赔付11元，运费仅5.8元，差价便是5.2元。"值得一提的是，指导"羊毛党"薅羊 毛的机构或相关主体，此时便开始推荐起第三方寄件平台，该类平台的运费价格相对于大众化的快递品 ...

Core Viewpoint - The article discusses the rise of insurance fraud related to shipping insurance, highlighting a recent case where a group defrauded an insurance company of over 3 million yuan by fabricating transactions and logistics documents [1][4]. Group 1: Fraudulent Activities - A recent case in Shanghai involved a group that created over 100 online store accounts to falsely apply for shipping insurance claims without actual shipments [3][4]. - The fraudulent group manipulated logistics information by setting shipping and return addresses thousands of kilometers apart to exploit the insurance claim process [3][4]. - The total amount defrauded from the insurance company reached over 3 million yuan, with 13 suspects arrested [4]. Group 2: Impact on the Insurance Industry - The increase in shipping insurance fraud has led to a rise in claim rates, which may result in higher premiums for consumers and businesses, ultimately affecting consumer rights [7]. - The prevalence of fraud has caused some businesses to reconsider offering shipping insurance, leading to increased return rates and potential loss of consumer trust in insurance products [7][8]. - The article emphasizes the need for collaboration among e-commerce platforms, insurance companies, and regulatory bodies to combat fraud effectively [8]. Group 3: Recommendations for Improvement - E-commerce platforms should enhance their vetting processes for merchants and implement dynamic monitoring of unusual data to improve fraud detection [8]. - Insurance companies are encouraged to adopt intelligent risk control systems to identify abnormal orders and adjust premiums based on historical return rates and user credit levels [8]. - Regulatory bodies should facilitate data sharing and anti-fraud cooperation to strengthen the overall response to insurance fraud [8].

Core Insights - The rise of "shipping insurance" has led to increased return rates and fraudulent claims, creating operational challenges for both merchants and insurance companies [1][2][3] Group 1: Impact on E-commerce Merchants - The introduction of "shipping insurance" has resulted in higher return rates, particularly in categories like apparel and accessories, causing merchants to reconsider offering this service [1] - Merchants face a dilemma: discontinuing "shipping insurance" may lead to reduced orders and lower store ratings, while continuing it can result in unsustainable return volumes [1] - The cost of providing "shipping insurance" adds approximately 5 yuan per order, which can become unmanageable if return rates are excessively high [1] Group 2: Fraudulent Activities - A recent police investigation uncovered a fraudulent scheme involving over 300 million yuan in claims related to fake transactions for "shipping insurance" [2][5] - Criminals created numerous online stores to submit false claims, often using fabricated shipping and return information to deceive insurance companies [3][4] - The fraudulent activities included batch ordering low-cost items, immediately returning them, and submitting fake logistics information to claim insurance payouts [4][5] Group 3: Legal and Regulatory Responses - The rise of small-scale "order fraud" has led to the formation of a gray market, where individuals exploit the fixed compensation of "shipping insurance" for profit [6] - Legal experts suggest that measures such as increasing premiums, implementing deductibles, and enhancing consumer credit systems could help mitigate fraud while protecting legitimate consumers [6] - E-commerce platforms are encouraged to share information about fraudulent accounts to prevent repeat offenders from exploiting multiple platforms [6]