Since the outbreak of the epidemic, various types of telecom fraud have occurred across the country, including scamming means for easy consumers to easily hook – \”Agent Supplementation\”. On the Internet, commitment to providing help or inducing credit services consumers, including but not limited to legally operated insurance companies, financial institutions and local financial organizations to complaints or all-in-laws, \”reflexive\”, \”refund\” Waiting for the company or from it.
This kind of company and personal information passed the telephone, SMS, network platform, etc., saying that the credit service consumers can successfully complain, requiring credit service consumers to provide borrowing amount, ID card, bank card, home address, Personal information or information such as photos, to the credit service consumers, \”fee\”, \”handling fee\”, in order to complain to the regulatory authorities or corresponding insurance companies, financial institutions, even to achieve the above objectives, and induce credit services Consumers fictional facts, forgevaning evidence.
The black industry chain has not been banned into the insurance industry, the financial industry cancer
\”Full amount of retained, unsuccessful charge, professional rights, legal assistance, formal channel\”, etc. Words, you can see the \”Agent Agent\” on the small advertisement of the \”Agent Agent\” in the shake, WeChat circle, Xiaohong Book, Taobao, and even the train station, and high-speed station small advertisement.
\”Agent Supplement\” This black industry chain has been repeated. Some individuals or organizations claim to \”full amount of retraction\”,, induce consumers to conduct malicious complaints, non-fact complaints, and seek large benefits from the exemption fees.
The China Silver Insurance Regulatory Board has previously issued an announcement to suggest the risk of the consumer \”to prevent the\” Agency \”scam\”, reminding consumers, don’t have \”agent to be refined\”.
\”Agent Supplement\” industry chain has become an insurance industry, a toxic tumor in the financial industry, which not only disrupts the normal business order of financial companies, but also harms the legitimate rights and interests of financial consumers, but also carelessly The case is not uncommon. In 21, the Chongqing Silver Insurance Regulatory Bureau issued a real case \”Wang\” fell into the case of \”agency and reflexive\” scam.
For 20 years, \”Agent Strong Agent\” is sentenced by the court. The People’s Court of Kaiping City, Guangdong Province, tried to decide the case of black production violations of citizens’ personal information crime case, suspects and their criminal gangs were illegally stolen in the insured information in the case of no insurance practitioners, and claiming to be the insurance company after-sales personnel Inducing consumers to handle reduction, retained, and recommend insurance products, the amount involving exceeds 60 million yuan, and at the same time, the survey found that the suspects have over three customer information, involving more than 800 customers.
It is understood that the defendant will launch an exemption to the insurance company from 6 people who have proven to defend, and receive 30% of the premiums as compensation. Then pinch: some of the compensations charged can be returned from the insurance company. Under the \”round-round set\”, the victim Zhang and other 6 peopleAt the end of it defrauded the property of 1990,000 yuan.
The judgment shows that in the case of an illegal method, it is seriously affected by the crime of personal information in violation of citizens; Crime of fraud, was sentenced to ten months in prison, and penalized a $ 35,000.
This is no longer the case in which the law is sentenced to the law.
5 related companies such as Sichuan Financial Service Outsourcing Co., Ltd., passed the membership fee of 1288 yuan and 4988 yuan through membership system, distributing the complaints, the special person’s guidance complaint, and then receive a certain proportion commission.
The company downloads nearly 10,000 people in the application market (including toll items) (as of August 3). The cheated customers reported 58 pieces of the company to deceive money from the company.
Operation mode: The company collects a contribution fee in pyramid, and disseminates the video of malicious escape, and induces consumers to complain to financial companies and their partners, regulators, courts, etc. Situation of lawsuits, and misleading customers get borrowing after borrowing. Inducing, charge a proxy complaint fee. If subsequent guidance / agent actual complaints, it will not refund the charges, violation of customer interests, has triggered a large number of customers, and there is a false propaganda, fraud and other suspects.
The police have officially filed the case after receiving the case, heading to the black production Sichuan headquarters on the ground, mobilizing a number of deceived customers to cooperate with the search, jointly handling the case, has arrested all the suspects involved in the case.
\”Agent Supplementation\” routine is more risky.
This company will first collect insured information in major network platforms by advertising, buying information, etc., collecting information channels, including information channels WeChat friends circle, dedicated WeChat group, shake, Taobao, Xiaohong book, Baidu Post Bar (Raise Bar / Insurance Bar, etc.), business training camp, recruit advertisements, and illegally bought personal information. This company will then pretend to be financial institutions to contact customers, such as self-proclaimed people’s internal personnel, usually in response to the customer, promise can handle full amount of funding. After contact with the customer, you will be reflected in the \”full retreat\”, including understanding of the insurance, improve the information, find the product vulnerability, 恿 退, promise full retreat.
After signing the agent’s response protocol, and only 10% of the deposit, they will cut off the contact of the customer and the insurance company, including guidance of customer forensics, requiring customers to cooperate to the insurance company to modify the contact information, even There is a proxy directly controls the customerphone number, bank card, blocks the contact of the customer and the insurance company. After the retained is the hand, the agent usually charges 30% of the exemption. But the agent fee is not ending, and they will recommend new insurance products through the understanding of the customer’s income status.Or other investment wealth management, lending products, once again charge the commission of insurance companies or other agencies. After the business value development is completed, the customer information will be reused again to the next family.
Credit service consumers cooperate with the so-called \”agent complaint\”, and the risk of existing risks include personal information disclosure, economic losses. Consumers provide information or information such as borrowing amount, ID card, bank card number, business contract with documents, contact number, home address, related photos, etc., have personal information disclosure and risk of illegal use. In addition to collecting certain proportions, \”Agent Complaints\”, in addition to collecting a proportion of \”consulting fees\”, handling fees, it is possible to intercept the invasive funds by mastering bank card accounts of credit service consumers.
In addition, consumption The risk is also included in personal credit impairment and legal risk. Credit service consumers believe in \”agent complaint\” institutions and individuals to temporary or reject repayment, etc., it is likely to produce bad credit records due to credit overdue, Conduct personal credit is damaged. If consumers are involved or referred to, in order to achieve reduction, refund purposes, the reasons, forgery, and even illegally interfere with economic social order, there is a risk of violations of law. [123
In order to effectively safeguard the legitimate rights and interests of the vast credit service consumers, the majority of consumers should improve their self-protection and information security awareness, and don’t disclose personal information to others, in case of unmeneous molecular stealing or illegal use of personal information, use complaints To make fraud, it should be reported to the public security organ to ensure personal and property safety.
Second, the contract signing process should be seriously treated. Credit service consumers apply business, To carefully understand business processes and operations, carefully read contracts, terms, informats, etc. Pay attention to personal reconciliation, do not do \”Lao Lai\”. Strictly crack down on financial fraud, malicious evading debt, and the loan will be entered into the Chinese People’s Bank of China, and there is a certain limit and impact on individual daily activities. To this end, the credit consumers must pay attention to personal credit, avoid overdue influence.
Correctly understand national policies in the field of credit service, according to law rights. All kinds of credit service institutions established according to law, their business contracts are protected by national laws Business behavior is supervised by the regulatory authorities. If the credit service consumers believe that the relevant service agencies should report or complain according to law, refuse to cooperate with the so-called \”agent complaint\” institutions and individuals with profit as a purpose. If a dispute or dispute, credit Service consumers can solve them according to law through people’s mediation, court lawsuits.
This article is from the financial investment report