恶意退保有风险，后果很严重......
<div class="wx_rich_media_content" id="jsWxContainer"><section style='display: none;' data-tools="新媒体管家" data-label="powered by xmt.cn"><br></section><section style='box-sizing: border-box;font-size: 16px;'><section style='text-align: center;margin: 10px 8px;box-sizing: border-box;'><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;box-sizing: border-box;'></span></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='line-height: 2.5;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>近期，“代理退保”骗局愈演愈烈。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>“6月以来，‘代理退保’黑产开始频繁活动。6、7、8三个月里，我们公司追踪到的<strong style='box-sizing: border-box;'>恶意退保案例不断增长，且呈现全国蔓延之势</strong>。“一位大型寿险公司相关负责人表示。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>有保险从业人士介绍称，今年以来，“代理退保”呈现高发趋势，最主要的变化和特征就是<strong>从零散代理逐步转向公司化运作</strong>，并且<strong>地区范围日渐扩大。</strong></section></section><section style='line-height: 3;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='margin: 0.5em 8px;text-align: center;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 0px;margin-top: 0.4em;border-left: 0.8em solid rgb(95, 156, 239);border-top: 0.8em solid rgb(95, 156, 239);border-right: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;max-width: 80% !important;box-sizing: border-box;'><section style='margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='letter-spacing: 2px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'><strong style='box-sizing: border-box;'>退保不谨慎，后果很严重</strong></span><br style='box-sizing: border-box;'></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 0px;margin-bottom: 0.3em;border-right: 0.8em solid rgb(95, 156, 239);border-bottom: 0.8em solid rgb(95, 156, 239);border-left: 0.8em solid transparent !important;border-top: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section><section style='line-height: 2.5;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>近年来，“代理退保”产业链已成保险业毒瘤，不仅扰乱正常经营秩序，更损害保险消费者合法权益，一时不慎自食苦果的案例屡见不鲜。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>2019年8月，某保险公司接到客户李先生的投诉，因营销员<strong style='box-sizing: border-box;'>销售误导</strong>，要求全额退还其名下<strong style='box-sizing: border-box;'>已购买 6 年的纯保障型保单保费</strong>。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>经调查，公司营销员（已离职）对误导事实供认不讳，保险公司便全额退还李先生所交保费 <strong style='box-sizing: border-box;'>32.04 万元</strong>。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>同年 12 月，李先生再次到访保险公司，要求恢复其退保保单。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>称前期为解决资金问题，被朋友介绍的一位刘老板唆使退保，并承诺可以<strong style='box-sizing: border-box;'>100%全额退还保费</strong>，还要求离职营销员（李先生朋友）配合承认问题。退保后，刘老板向其收取了<strong style='box-sizing: border-box;'> 8 万元咨询费</strong>。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>经核保部门调查，<strong style='box-sizing: border-box;'>因健康原因，李先生已不符合再次承保要求</strong>。李先生得知后，肠子都悔青了。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>上述案例便是“代理退保”黑产怂恿退保导致客户丧失保险保障的一个缩影。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><strong style='box-sizing: border-box;'><span style='color: rgb(55, 111, 188);box-sizing: border-box;'>在参与“代理退保”的过程中，消费者面临的风险有：</span></strong></section></section><section style='margin: 10px 8px;box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(30, 212, 194, 0.6);padding: 3px;box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(248, 255, 254);padding: 10px 15px;box-sizing: border-box;' powered-by="xiumi.us"><section style='transform: translate3d(1px, 0px, 0px);margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='color: rgb(103, 118, 116);line-height: 2;letter-spacing: 2px;box-sizing: border-box;'><p style='box-sizing: border-box;'><span style='color: rgb(247, 223, 21);box-sizing: border-box;'>● </span>失去正常保险保障；</p></section></section><section style='margin-top: 0.5em;margin-bottom: 0.5em;box-sizing: border-box;' powered-by="xiumi.us"><section style='background-color: rgb(228, 248, 246);height: 1px;box-sizing: border-box;line-height: 0;'><br></section></section><section style='transform: translate3d(1px, 0px, 0px);-webkit-transform: translate3d(1px, 0px, 0px);-moz-transform: translate3d(1px, 0px, 0px);-o-transform: translate3d(1px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='color: rgb(103, 118, 116);line-height: 2;letter-spacing: 2px;box-sizing: border-box;'><p style='box-sizing: border-box;'><span style='color: rgb(247, 223, 21);box-sizing: border-box;'>● </span>资金信用受损；</p></section></section><section style='line-height: 1;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='transform: translate3d(1px, 0px, 0px);-webkit-transform: translate3d(1px, 0px, 0px);-moz-transform: translate3d(1px, 0px, 0px);-o-transform: translate3d(1px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='color: rgb(103, 118, 116);line-height: 2;letter-spacing: 2px;box-sizing: border-box;'><p style='box-sizing: border-box;'><span style='color: rgb(247, 223, 21);box-sizing: border-box;'>● </span>个人信息泄露；</p></section></section><section style='line-height: 1;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='transform: translate3d(1px, 0px, 0px);-webkit-transform: translate3d(1px, 0px, 0px);-moz-transform: translate3d(1px, 0px, 0px);-o-transform: translate3d(1px, 0px, 0px);box-sizing: border-box;' powered-by="xiumi.us"><section style='color: rgb(103, 118, 116);line-height: 2;letter-spacing: 2px;box-sizing: border-box;'><p style='box-sizing: border-box;'><span style='color: rgb(247, 223, 21);box-sizing: border-box;'>● </span>因编造理由、伪造证据、提供虚假信息等非法行为，构成<strong style='box-sizing: border-box;'>欺诈</strong>，从而<strong style='box-sizing: border-box;'>面临较大的法律风险。</strong></p></section></section></section></section></section><section style='line-height: 2.5;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>“代理退保”骗局屡禁不止，背后有一个巨大的利益链条。通常操作方法是：</section><p style='box-sizing: border-box;'><br></p><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>找一些<strong style='box-sizing: border-box;'>离职的业务员</strong>，让其诱导之前对接的客户与公司联系要求退保，并<strong style='box-sizing: border-box;'>采取专门的话术收集对保险公司不利的证据</strong>，通过<strong style='box-sizing: border-box;'>投诉</strong>来施加压力。</section></section><section style='line-height: 3;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='margin: 0.5em 8px;text-align: center;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 0px;margin-top: 0.4em;border-left: 0.8em solid rgb(95, 156, 239);border-top: 0.8em solid rgb(95, 156, 239);border-right: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;max-width: 80% !important;box-sizing: border-box;'><section style='margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 17px;letter-spacing: 2px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>监管发布风险提示超过50次</strong></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 0px;margin-bottom: 0.3em;border-right: 0.8em solid rgb(95, 156, 239);border-bottom: 0.8em solid rgb(95, 156, 239);border-left: 0.8em solid transparent !important;border-top: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section><section style='line-height: 2.5;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>今年4月9日，银保监会发布《关于防范“代理退保”有关风险的提示》，提示广大消费者<strong style='box-sizing: border-box;'>根据自身需求谨慎办理退保</strong>，依法理性维护自身合法权益不受侵害。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>7月8日，中国保险行业协会向保险机构及广大保险消费者发布防范“代理退保”有关风险的提示，各地20多家保险行业协会也陆续发布提示。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>实际上，监管发布风险提示早已有之。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>2019年8月，<strong style='box-sizing: border-box;'>广东银保监局</strong>发出对集中退保现象的风险提示，随后<strong style='box-sizing: border-box;'>河南、四川、辽宁、河北、北京</strong>等多地银保监局也分别发出提示。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>6月5日，<strong style='box-sizing: border-box;'>大连银保监局</strong>专门向市政府汇报银行业保险业“黑产”投诉情况，分管副市长对打击“黑产”投诉工作予以批示。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>据不完全统计，近年来，包括银保监会在内，<strong style='box-sizing: border-box;'>各地监管机构针对“代理退保”的相关风险提示超过50次，“代理退保”已引起全社会普遍关注。</strong></section></section><section style='line-height: 3;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='margin: 0.5em 8px;text-align: center;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 0px;margin-top: 0.4em;border-left: 0.8em solid rgb(95, 156, 239);border-top: 0.8em solid rgb(95, 156, 239);border-right: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;max-width: 80% !important;box-sizing: border-box;'><section style='margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='letter-spacing: 2px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'>保险公司的“反击”</span></strong></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 0px;margin-bottom: 0.3em;border-right: 0.8em solid rgb(95, 156, 239);border-bottom: 0.8em solid rgb(95, 156, 239);border-left: 0.8em solid transparent !important;border-top: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section><section style='line-height: 2.5;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>保险公司也在积极行动。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><em style='box-sizing: border-box;'><span style='font-size: 14px;color: rgb(105, 105, 105);box-sizing: border-box;'>在西南某城市，13家保险公司联名致信地方金融监管局，举报当地一家企业咨询管理公司从事恶意代理退保业务；</span></em></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><em style='box-sizing: border-box;'><span style='font-size: 14px;color: rgb(105, 105, 105);box-sizing: border-box;'>在大连，多名保险业务员以“加盟”名义卧底恶意退保窝点，收集证据；</span></em></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><em style='box-sizing: border-box;'><span style='font-size: 14px;color: rgb(105, 105, 105);box-sizing: border-box;'>在苏州，保险公司与业务员通力协作，对全额退保黑产进行调查，通过法律手段维护权益……</span></em></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>保险公司与“退保黑产”之间的“斗争”日趋白热化。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><span style='color: rgb(255, 255, 255);text-shadow: rgb(55, 111, 188) 1px 1px, rgb(55, 111, 188) -1px 1px, rgb(55, 111, 188) -1px -1px, rgb(55, 111, 188) 1px -1px;box-sizing: border-box;'>太平洋寿险</span>相关负责人表示，公司对于黑产的识别应对<strong style='box-sizing: border-box;'>形成了详细的“动作指引”</strong>，在相关条线进行强化宣导；同时，切实<strong style='box-sizing: border-box;'>提升公司前中后端服务质量</strong>，不断提升消费者对产品、服务的满意度。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><span style='color: rgb(255, 255, 255);text-shadow: rgb(55, 111, 188) 1px 1px, rgb(55, 111, 188) -1px 1px, rgb(55, 111, 188) -1px -1px, rgb(55, 111, 188) 1px -1px;box-sizing: border-box;'>平安人寿</span>相关负责人介绍，公司一方面从<strong style='box-sizing: border-box;'>制度优化、流程管控、风险排查以及人员培训</strong>等方面开展全方位的<strong style='box-sizing: border-box;'>销售品质治理</strong>，杜绝投诉隐患；另一方面加强消费者风险提示和消保教育，<strong style='box-sizing: border-box;'>强化公司官方投诉渠道的宣传</strong>。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><span style='color: rgb(255, 255, 255);text-shadow: rgb(55, 111, 188) 1px 1px, rgb(55, 111, 188) -1px 1px, rgb(55, 111, 188) -1px -1px, rgb(55, 111, 188) 1px -1px;box-sizing: border-box;'>新华保险</span>则分别通过<strong style='box-sizing: border-box;'>“以案说险”、“消保学堂”</strong>开展<strong style='box-sizing: border-box;'>对消费者和销售队伍的宣传教育</strong>，同时<strong style='box-sizing: border-box;'>加强对“恶意投诉”证据材料的收集</strong>，对涉嫌存在违法违规行为的代理投诉经营者，通过诉讼方式依法维护公司及客户的合法权益。</section></section><section style='line-height: 3;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section></section><section style='margin: 0.5em 8px;text-align: center;box-sizing: border-box;'><section style='display: inline-block;vertical-align: top;width: 0px;margin-top: 0.4em;border-left: 0.8em solid rgb(95, 156, 239);border-top: 0.8em solid rgb(95, 156, 239);border-right: 0.8em solid transparent !important;border-bottom: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section><section style='display: inline-block;vertical-align: top;max-width: 80% !important;box-sizing: border-box;'><section style='margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='letter-spacing: 2px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'>技术手段有助解决取证难题</span></strong></p></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 0px;margin-bottom: 0.3em;border-right: 0.8em solid rgb(95, 156, 239);border-bottom: 0.8em solid rgb(95, 156, 239);border-left: 0.8em solid transparent !important;border-top: 0.8em solid transparent !important;box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section><section style='line-height: 2.5;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>“当前打击‘代理退保’黑产面临的主要困难是<strong style='box-sizing: border-box;'>证据采集难、立案难</strong>。”上述大型寿险公司相关负责人表示。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>令人振奋的是，近日一起“代理退保”案，判了！</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>2018年，凡某伙同多人，打着“专业保险维权”的幌子，<strong style='box-sizing: border-box;'>通过微信、微博、淘宝等平台发布虚假信息</strong>，从事“全额退保”等职业索赔业务，<strong style='box-sizing: border-box;'>谋取暴利</strong>。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>在团伙成员——某保险公司电话销售刘某的帮助下，凡某拿到了该保险公司<strong style='box-sizing: border-box;'>607条个人信息</strong>。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>信息到手后，凡某先是<strong style='box-sizing: border-box;'>以维权之名唆使、诱导</strong>张某等6名受害人向保险公司发起退保，并从中<strong style='box-sizing: border-box;'>收取保费的30%作为报酬</strong>；随后，他又捏造称：他收取的部分报酬，张某等人可以从保险公司退回。在凡某的诱骗之下，张某等6人最终被其<strong style='box-sizing: border-box;'>骗取财物1.99万元</strong>。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>凡某的不法行径最终东窗事发。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>2019年7月19日，凡某被义乌市人民检察院以<strong style='box-sizing: border-box;'>侵犯公民个人信息罪、诈骗罪</strong>，向义乌市人民法院提起公诉。最终，<strong style='box-sizing: border-box;'>凡某、刘某数罪并罚，锒铛入狱</strong>。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>这给行业同类案件搜查取证指明了方向，为同类案件的定罪量刑提供了重要参照，更有助于推动全国各地同类案件的审判结案。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>一位资深律师表示，“代理退保”不法团伙在开展业务过程中或存在诈骗、虚假宣传等行为，可能涉嫌违反《中华人民共和国刑法》《中华人民共和国广告法》。保险行业应迅速采取相关措施，<strong style='box-sizing: border-box;'>持续维护客户信息安全，加强从业人员教育与管理，并积极收集线索向公安机关报案</strong>。”</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>事实上，由于一些营销员的销售误导，才让“代理退保”黑产有了可乘之机。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'>“<strong style='box-sizing: border-box;'>技术手段应该成为解决这一问题的方案</strong>，例如‘双录’。如果保险销售行为，特别是一些大单，均可回溯，就可以解决取证难题”。一位保险业内人士表示。</section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><br></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><span style='font-size: 14px;color: rgb(105, 105, 105);box-sizing: border-box;'>特别鸣谢以下采访嘉宾：</span></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><span style='font-size: 14px;color: rgb(105, 105, 105);box-sizing: border-box;'>国务院发展研究中心保险研究室副主任朱俊生</span></section><section style='box-sizing: border-box; margin-left: 8px; margin-right: 8px;'><span style='font-size: 14px;color: rgb(105, 105, 105);box-sizing: border-box;'>北京安杰律师事务所合伙人詹昊</span></section></section><section style='text-align: right;line-height: 2;letter-spacing: 2px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box;margin-left: 8px;margin-right: 8px;'><br></section><section style='box-sizing: border-box;margin-left: 8px;margin-right: 8px;'><br></section><section style='box-sizing: border-box;margin-left: 8px;margin-right: 8px;'>记者 朱艳霞</section><section style='box-sizing: border-box;margin-left: 8px;margin-right: 8px;'>实习编辑 王梦萦</section></section><section style='text-align: center;margin: 10px 8px;box-sizing: border-box;'><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;box-sizing: border-box;'></span></section></section></section><p>转载声明：本文转载自「中国银行保险报」，搜索「cbin-news」即可关注，[<a target="_blank" href="https://mp.weixin.qq.com/s/FcZ9Ctc3-xN0JGI3TT-4xA">阅读原文</a>]。</p></div><p></p>
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