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 ...

Core Viewpoint - The article discusses the emergence of tutorials on social media that promote exploiting shipping insurance for profit, highlighting the potential legal risks and industry crises associated with such practices [1][3][4]. Group 1: Shipping Insurance and Its Purpose - Shipping insurance was developed to address disputes over return shipping costs in online shopping, becoming an essential service for e-commerce platforms and logistics [3][4]. - The original intent of shipping insurance is to compensate buyers or sellers for shipping losses incurred during legitimate returns [4][5]. Group 2: Exploitation of Shipping Insurance - Recent tutorials have surfaced that instruct consumers on how to profit from shipping insurance by choosing to return items via cheaper third-party shipping services [3][4]. - The calculation for potential profit involves comparing the insurance payout to the actual shipping cost, with examples showing how small differences can accumulate to significant amounts [3][5]. Group 3: Legal and Ethical Implications - Legal experts warn that intentionally returning items for profit violates the principles of good faith and could lead to civil lawsuits for unjust enrichment [4][5]. - The rise of fraudulent claims related to shipping insurance has been noted, with law enforcement highlighting a case where an individual fraudulently claimed shipping insurance over 30,000 times, resulting in illegal profits exceeding 200,000 yuan [5][6]. Group 4: Impact on the Insurance Industry - The cumulative effect of these fraudulent activities could lead to increased operational costs for insurance companies, potentially resulting in higher premiums for consumers and businesses [6][7]. - The increase in fraudulent claims may force some businesses to discontinue shipping insurance services, negatively impacting honest consumers [7][8]. Group 5: Regulatory Responses and Future Directions - Insurance companies are implementing protective measures, such as real-time monitoring of unusual claims and requiring specific shipping methods to prevent exploitation [8][9]. - E-commerce platforms are also utilizing big data analytics to monitor and identify abnormal return behaviors, although challenges remain in balancing consumer experience with fraud prevention [9][10]. - Future reforms may include more precise risk assessments for insurance premiums and enhanced data sharing between platforms and insurers to combat fraudulent activities [10][11].

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 Insights - Douyin E-commerce announced progress on its nine merchant support policies, highlighting cost savings for merchants exceeding 2.5 billion yuan in July [1][2] - The company extended the commission-free period for various categories, including daily necessities and men's clothing, until September 30, 2025 [1] - Douyin E-commerce implemented measures to enhance the quality of fresh produce offerings, resulting in a 10 percentage point increase in orders covered by official guarantees [1] Group 1 - In July, Douyin E-commerce waived over 1 billion yuan in service fees for merchants, encouraging them to utilize simple and effective methods to expand their business [1] - The "Treasure Store" initiative attracted nearly 10,000 merchants, with average daily GMV growth of 133% year-on-year during the event [2] - The company has cumulatively subsidized merchants over 16.5 billion yuan through various support policies by the end of July [2] Group 2 - Douyin E-commerce's freight insurance cost reduction strategy saved merchants over 3.8 billion yuan, with more than 700 million yuan saved in July alone [1][2] - The company intensified efforts to combat counterfeit goods and false advertising, identifying and intercepting over 20,000 merchants engaged in such practices [2] - New merchants can receive up to 1,900 yuan in incentives through the "Cold Start Task" as part of the support for small businesses [2]

Core Insights - The expansion of occupational injury protection is addressing the needs of frontline workers, particularly truck drivers, who are essential to the logistics and transportation sector [1][4][6] Group 1: Occupational Injury Protection - Over 80% of truck drivers have participated in various social insurance programs, with a steady increase in participation rates [1] - The Ministry of Transport and other departments are promoting mutual insurance for truck drivers to provide support in case of accidents or serious illnesses [4][6] - The new employment form occupational injury protection pilot program has been expanded to include additional provinces and platforms, indicating a growing recognition of the need for such protections [6][7] Group 2: Social Security Needs - 59.91% of truck drivers believe that digital freight platforms should enhance freight insurance services, highlighting a significant gap in current offerings [1][5] - Legal aid services are the most urgently needed social security service, with over 50% of truck drivers expressing this need, reflecting ongoing disputes in the freight industry [4][5] - The report indicates that approximately 50% of truck drivers have encountered various freight disputes, with issues like unpaid freight being prevalent [5] Group 3: Industry Support and Infrastructure - More than 2,800 "Driver Homes" have been established across the country to provide essential services such as parking and rest areas for truck drivers, with over a quarter of drivers utilizing these facilities [5] - Experts suggest that there is a need to improve the freight insurance mechanism and establish a fair market pricing system to protect truck drivers' rights [5][6] - The logistics sector is crucial to the national economy, with over 38 million truck drivers responsible for more than 70% of the transportation of essential goods [1][4]

Group 1 - Douyin E-commerce has announced a reduction in shipping insurance costs for merchants by 5%-15% starting from June 6, aiming to alleviate the financial burden caused by high return rates [1][4] - A specific case highlighted a merchant saving approximately 50% on shipping insurance costs since October last year, leading to monthly savings of 40,000 to 50,000 yuan [4] - The initiative is expected to save merchants over 1 billion yuan in operational costs over the next year [4] Group 2 - The e-commerce industry is experiencing intensified competition, with platforms like Taobao and JD also implementing measures to support merchants by lowering operational costs [5][15] - The return rate in the e-commerce sector has significantly increased, with some merchants reporting rates as high as 70%-80% in 2024, compared to a stable 30% before 2021 [4][15] - Platforms are adjusting their strategies to support merchants, including optimizing shipping insurance policies and providing subsidies, which helps maintain user service experience without adding pressure on merchants [4][15] Group 3 - Douyin E-commerce's recent measures coincide with the 618 shopping festival, a peak period for e-commerce orders and returns [5][14] - Since the beginning of the year, Douyin E-commerce has introduced nine major support policies for merchants, which have cumulatively provided over 8 billion yuan in subsidies by April [14] - The overall trend in the e-commerce industry indicates a shift from price wars to a focus on quality, service, and innovation, as platforms recognize the need for sustainable competition [19][22]

Group 1 - The Hong Kong IPO market shows a significant recovery in profitability, with only 7 out of 27 companies experiencing a first-day drop, resulting in a break rate of 25.93%, the lowest since 2017 [1] - Notable performances include Yimeng Biotech and Mixue Group, which saw first-day increases of 116.7% and 43.21% respectively [1] - The overall low valuation in Hong Kong is attracting overseas capital, supported by Chinese policies promoting innovation and capital market development [1] Group 2 - The enterprise-grade SSD market in China is projected to reach $6.25 billion in 2024, reflecting a year-on-year growth of 187.9% [2] - Solidigm and Samsung hold the largest market shares, with Samsung facing domestic competition and cost pressures [2] - The demand for SSDs is driven by increased investments in AI by cloud computing and internet companies, as well as the modernization of digital infrastructure [2] Group 3 - In Sichuan, over 810,000 units of home appliances and digital products have been replaced under the old-for-new policy, generating a consumption boost of 25.4 billion yuan [3] - Air conditioners are the most popular items in the replacement program, accounting for 40.42% of total sales [3] - The policy is effectively stimulating market demand and promoting local production capacity expansion [3] Group 4 - ByteDance plans to ban third-party AI development software to mitigate data leak risks, replacing it with its in-house tool Trae [4] - The FTC's antitrust case against Meta has concluded, with a ruling expected within four months that could lead to the divestiture of Instagram and WhatsApp [4] Group 5 - ExxonMobil is in exclusive negotiations to sell its majority stake in its French subsidiary Esso to North Atlantic, with a sale price of €149.19 per share [5] - The sale is expected to be completed in the last quarter of this year [5] Group 6 - Dajiang is reportedly entering the robotic vacuum market, with its first product expected to launch in June [6] - Longfeng Pharmaceutical's IPO application has expired after six months without progress [6] Group 7 - Diguang Robot has completed a $100 million Series A financing round, attracting investment from several prominent institutions [7] - China Energy Construction has won a significant coal-fired power project worth approximately 14.586 billion yuan [7] Group 8 - Taiji Industry plans to repurchase shares worth between 1 billion and 1.2 billion yuan, with a maximum repurchase price of 10.38 yuan per share [8] Group 9 - Dalian Electric Porcelain is a recommended candidate for a 290 million yuan project with the State Grid, which would account for 19.38% of its 2024 revenue [9] Group 10 - Fuda Co. is set to invest in a new precision gear project for electric drive systems in new energy vehicles, with plans to use self-funding and financing [10] Group 11 - The Shanghai Composite Index experienced slight fluctuations, with new consumption stocks performing well despite overall market declines [11] - Beverage manufacturing and nuclear power stocks saw significant gains, while pharmaceutical stocks faced corrections [11]

Core Insights - User experience has become a core competitive advantage for JD.com, with increasing recognition of third-party merchants' service experiences by consumers [1] - JD.com has coordinated with insurance companies to significantly reduce freight insurance costs, with over 60% of merchants benefiting from fee reductions, with the highest rate drop exceeding 90% [1][3] - The new pricing model simplifies premium calculations, allowing merchants to better manage costs and financial planning, especially during the high-demand period of the JD 618 sales event [2] Cost Management and Pricing Model - The previous pricing model based on SKU pricing led to fluctuations in premiums due to dynamic user factors, creating uncertainty for merchants in financial planning [2] - The new model distinguishes between first weight and additional weight, providing a clearer understanding of premium costs for each order, facilitating better budget allocation for core business areas [2] Significant Cost Reductions - The new freight insurance pricing rules allow over 60% of merchants to enjoy discounts, with maximum reductions reaching 94%, particularly benefiting those with lower return rates [3] - The pricing model also considers order discount amounts, alleviating pressure on merchants selling low-priced items, which can enhance conversion rates by 15%-30% [3] - JD.com has introduced a tiered discount mechanism for "price insurance," with single policy cost reductions exceeding 50%, and free trial activities for new merchants during the 618 period to lower operational costs [3]

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]