机动车辆安全统筹业务

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厦门金融监管局:警惕“非法中介” 做好“四要四不要”
Jin Rong Shi Bao· 2025-08-08 07:27
近年来,金融消费市场快速发展。部分不法中介机构以"代理退保""代理理赔""代理销售"为幌子,通过 虚假承诺、编造证据等手段侵害金融消费者合法权益。近日,厦门金融监管局发布《关于警惕保险领 域"非法中介"的风险提示》,对常见的非法中介陷阱进行了详细剖析。 "全额退保"陷阱 不法分子通过社交平台、电话短信等渠道,宣称"可协助全额退保""不成功不收费",诱导金融消费者委 托其办理退保业务。他们往往教唆金融消费者编造销售误导证据,通过恶意投诉、舆论造势等方式要求 保险公司提高退保金额。但实际上,不法分子通常收取退保金额一定比例的费用作为手续费,甚至 以"定金""保证金"名义骗取前期费用,金融消费者最终损失远超正常退保,同时失去原有保险保障,甚 至可能因伪造证据被追究法律责任。 "人伤黄牛"套路 这类不法分子通常在事故现场或医院附近主动接触受害人,以"高额赔偿""快速理赔"为诱饵,诱导受害 人委托其代理。他们活跃于交通事故、工伤等理赔案件中,通过伪造医疗证明、困难证明、夸大伤情等 方式要求保险公司提高赔偿金额。在此过程中,金融消费者不仅支付高额费用,甚至个人敏感信息(如 身份证、银行卡号)被不法分子转卖用于诈骗、借贷等 ...
吉林金融监管局:部分机动车辆安全统筹存在非法经营的风险
Bei Jing Shang Bao· 2025-08-01 11:45
Core Viewpoint - The Jilin Financial Regulatory Bureau has issued a risk warning regarding "motor vehicle safety pooling business," highlighting the differences in operational models and regulatory environments compared to commercial insurance, which may expose consumers to various risks [1][2]. Group 1: Regulatory Environment - Insurance business should be operated by legally established insurance companies, and unauthorized organizations or individuals may engage in illegal operations within the motor vehicle safety pooling business [2]. - Consumers are advised to verify the qualifications and legality of the sales entities before purchasing pooling insurance to avoid falling into illegal insurance traps [2]. Group 2: Risk Factors - The operational model and terms of motor vehicle safety pooling may differ significantly from commercial insurance, leading to potential uncertainties in claims processing, including unclear terms and complex procedures [2]. - Some pooling businesses may face difficulties in claims due to insufficient funds or poor management, potentially resulting in claim denials and affecting consumer protection [2]. Group 3: Consumer Awareness - Consumers should enhance their risk awareness and avoid impulsive purchases by fully understanding the characteristics and risks associated with motor vehicle safety pooling [3]. - It is crucial for consumers to carefully read contracts and terms to understand coverage, compensation standards, and exclusions before engaging in pooling business [3]. - Consumers are encouraged to monitor regulatory announcements and warnings to stay informed about market dynamics and risks related to motor vehicle safety pooling [3].