国家金融监督管理总局等五部门联合发布风险提示，剑指此类"全额退保"陷阱仅仅三天后，北京商报记 者在社交平台上，依然能轻易地"偶遇"这些幽灵般的账号。它们像狡黠的捕猎者，将短视频平台作为公 开的"诱饵投放点"，一旦有潜在客户上钩，便迅速将交流阵地转移到更为私密的社交应用，在"一对 一"的聊天中，继续兜售着"1—3个月全额退保"的虚假希望。 图说：北京商报记者浏览到的仍活跃于短视频平台的"退保"视频图说：北京商报记者浏览到的仍活跃于 短视频平台的"退保"视频 这些视频里，常常闪现着金融机构的标识与场景，配以"新政已开通道""专业法务团队"等极具迷惑性的 说辞，甚至用"葆费"代替"保费"，以躲避平台的文字审核。一面是监管层高调拉响的警报，另一面是地 下黑灰产如野草般在算法缝隙中继续滋生。在这场围绕保单现金价值的隐秘战争中，谁是猎人，谁又是 猎物？当"维权"成为一门被精心包装的生意，消费者乃至整个保险行业，又暴露在怎样的风险之下？ 手机屏幕的光，映照着一张张看似专业、诚恳的脸。"律师事务所"的认证标识赫然在目，短视频中弹出 诱人的承诺："年前就能帮你拿回全部保费""不管哪家公司，通通都能退"。这并非发生在某个隐秘的地 ...

图说：北京商报记者浏览到的仍活跃于短视频平台的"退保"视频 手机屏幕的光，映照着一张张看似专业、诚恳的脸。"律师事务所"的认证标识赫然在目，短视频中弹出 诱人的承诺："年前就能帮你拿回全部保费""不管哪家公司，通通都能退"。这并非发生在某个隐秘的地 下交易市场，而是在我们日常刷到的短视频平台里，触手可及。 国家金融监督管理总局等五部门联合发布风险提示，剑指此类"全额退保"陷阱仅仅三天后，北京商报记 者在社交平台上，依然能轻易地"偶遇"这些幽灵般的账号。它们像狡黠的捕猎者，将短视频平台作为公 开的"诱饵投放点"，一旦有潜在客户上钩，便迅速将交流阵地转移到更为私密的社交应用，在"一对 一"的聊天中，继续兜售着"1—3个月全额退保"的虚假希望。 这些视频里，常常闪现着金融机构的标识与场景，配以"新政已开通道""专业法务团队"等极具迷惑性的 说辞，甚至用"葆费"代替"保费"，以躲避平台的文字审核。一面是监管层高调拉响的警报，另一面是地 下黑灰产如野草般在算法缝隙中继续滋生。在这场围绕保单现金价值的隐秘战争中，谁是猎人，谁又是 猎物？当"维权"成为一门被精心包装的生意，消费者乃至整个保险行业，又暴露在怎样的风险之下？ ...

Core Viewpoint - The emergence of a black market for insurance policy cancellations, driven by organized groups exploiting consumer vulnerabilities and regulatory mechanisms, poses significant risks to the insurance industry and consumer trust [1][2][6]. Group 1: Nature of the Black Market - The black market for insurance cancellations involves illegal intermediaries and individuals posing as "agents" or "consultants," using deceptive practices to induce consumers to cancel their policies for profit [7][33]. - This market has evolved from isolated cases to a more organized and professional network, with some insurance industry personnel colluding with these groups [7][34]. - The black market is characterized by high levels of concealment, specialization, and the ability to evade legal responsibilities [10][36]. Group 2: Methods and Operations - Since late 2019, organized groups have targeted consumers experiencing losses, advertising "full refunds" on social media and charging fees for "materials" to facilitate the cancellation process [4][30]. - These groups coach consumers on how to create false evidence and pressure insurance companies through mass complaints, leveraging the regulatory requirement for responses to complaints [5][31]. - The financial incentives are significant, with consumers receiving refunds and paying commissions of 15% to 50% to the groups, while the groups extract additional fees from the process [5][31]. Group 3: Industry Impact - The rise of the black market has led to a systemic threat to the insurance industry, with increasing numbers of malicious complaints and a significant financial burden on companies [6][48]. - In 2024, there were over 18,000 suspected malicious complaints involving policy amounts totaling 340 million yuan, indicating a trend towards industrialization and network expansion [9][36]. - The insurance industry is facing operational challenges, including the loss of premium income and increased pressure on agents, as legitimate business efforts are undermined by these black market activities [25][50]. Group 4: Regulatory and Consumer Implications - The black market exploits regulatory frameworks designed to protect consumers, leading to a cycle of distrust and misinformation about insurance products [17][51]. - Consumers who cancel policies may lose essential coverage, especially in long-term health or critical illness insurance, and may find it difficult to obtain new coverage under similar terms later [48][49]. - The black market's activities contribute to a broader erosion of trust in the insurance sector, complicating the relationship between consumers and legitimate insurance providers [26][51].

Core Viewpoint - The insurance industry is facing a systemic threat from a growing black market for policy cancellations, where organized groups exploit consumer vulnerabilities to generate fraudulent claims for full refunds [5][32][53]. Group 1: Emergence of the Black Market - The black market for insurance cancellations began with seemingly ordinary consumer complaints about misleading sales practices, which were later found to be coordinated efforts from a single organization [1][28]. - Since late 2019, a group led by a figure named Hong has been targeting policyholders through social media, promoting full refunds to those who have incurred losses [2][29]. - The complaints submitted to regulatory bodies were not genuine but rather a strategy to exert pressure on insurance companies, leading to significant financial losses for these firms [3][30]. Group 2: Characteristics of the Black Market - The black market for policy cancellations has evolved into a structured industry characterized by high levels of professionalism and the ability to evade legal responsibilities [10][37]. - This industry operates through various methods, including partnerships with law firms and media companies to create a seamless process for soliciting clients and filing fraudulent claims [10][37]. - The scale of malicious complaints has surged, with over 18,000 reported cases in 2024, involving policy amounts totaling 340 million yuan [9][36]. Group 3: Impact on the Insurance Industry - The rise of the black market has led to a significant increase in non-normal policy cancellations, forcing insurance companies to refund premiums while struggling to recover the high commissions paid to agents [53]. - The industry is experiencing a crisis of trust, as black market intermediaries spread misinformation about insurance products, further complicating the relationship between consumers and legitimate insurers [54]. - The economic downturn has exacerbated the situation, with many consumers seeking to liquidate their policies as cash flow becomes tight, making them more susceptible to black market tactics [46][48]. Group 4: Regulatory and Industry Response - Insurance companies are now adopting a more aggressive stance against fraudulent claims, collecting evidence to contest suspicious cancellations rather than conceding to demands [53]. - The industry is also facing internal challenges, with a significant reduction in the number of licensed agents, leading to a loss of experienced personnel who may turn to the black market for income [47][20]. - The implementation of new regulations has reduced commissions for traditional insurance products, creating pressure on agents that may lead some to collude with black market operations [20][48].