The "wool party" technique has been renovated again, and the tutorial of "returning goods to earn shipping insurance" has quietly spread on social media platforms. What kind of illegal industry chain is this? Freight insurance, which should have been used for convenient returns and exchanges, has now been used as a profit-making tool by some criminals, who deceive insurance premiums by purchasing high freight insurance. The act of "shearing sheep" has been exposed multiple times, including cases involving criminal offenses. Recently, the tutorial on "earning shipping insurance through returns" has quietly spread again on social media platforms. The tutorial claims that with a compensation of 11 yuan and a shipping fee of 5.8 yuan, you can 'earn' the price difference. ”The core logic of such tutorials is to encourage consumers to choose the "self return" method when returning goods, and then send the return package at a lower price through a specific courier platform to obtain the price difference. What legal risks are hidden behind the temptation of seemingly making a small profit? The reporter found on social media that some bloggers have posted videos to teach netizens how to take out shipping insurance and profit from it. The tutorial on "Return to Earn Shipping Insurance" circulating on a certain social media platform introduces that you can find the shipping insurance in "Service Guarantee" on the order details page of the shopping platform, and click to view the specific amount of compensation that can be obtained for this return. According to the relevant tutorial, if users want to earn the difference in shipping insurance, they must choose "self return" instead of the platform's default "door-to-door pickup". The difference earned is equal to the amount of freight insurance compensation minus the actual freight paid on the third-party shipping platform. For example, if the compensation is 11 yuan and the shipping fee is only 5.8 yuan, the difference is 5.2 yuan. The reporter noticed that the tutorial was released by an unknown express platform official account, and the post was ultimately intended to promote a third-party delivery platform. The freight price of such platforms seems to be lower than that of most express brands. Legal expert Zhang Changdan, who is familiar with insurance business, told reporters that if it is a genuine return waybill that occurs in small quantities based on actual needs, obtaining the difference in freight insurance can be considered as a slight civil legal risk of embezzlement. However, if it is intentionally ordering returns or even fabricating orders or waybills in order to obtain insurance claims, even if it is called embezzlement, it is still "illegal embezzlement". Zhang Changdan stated that freight insurance is one of the typical loss compensation types of property insurance, which means that the amount of insurance claims is limited to freight losses. If there is no actual freight incurred or the actual freight incurred is lower than the amount claimed by the insurance company, it may constitute unjust enrichment in civil law, and the insurance company has the right to demand a refund, which is not a major legal dispute. Zhang Changdan: From the perspective of the insurance industry, the main difficulty in solving this problem may still lie in how to facilitate user claims while ensuring truthful compensation, as the large volume and small amount of such insurance products. But behind this' small profit ', there are hidden legal risks. The police in Chenzhou, Hunan, cracked a case of "malicious application for freight insurance claims". The suspect claimed more than 30000 freight insurance claims by fabricating false return information, and illegally earned more than 200000 yuan. Li Yongbing, the leader of the Economic Investigation Brigade of Yongxing County Public Security Bureau in Chenzhou City, introduced that the suspect Wang, who was originally an e-commerce business, registered his own business, and then registered his own account as a buyer. He bought and sold his own goods, returned them after buying, and then applied for compensation. Although the profit from a single order was only around ten or twenty yuan, he was able to accumulate small gains and frequently operated. In just a few months, he took advantage of loopholes to apply for freight insurance claims worth over 200000 yuan. This criminal technique is relatively simple and easy to recommend to people around me. Because the amount is relatively small and difficult to detect. Industry insider Jiang Nan told reporters that from current judicial cases, insurance fraud involving freight insurance has shown characteristics of organized crime and even formed a black industry chain. Jiang Nan: Some of them connect multiple platforms, and their methods may be traditional, which is to use real people to fake orders to do insurance fraud. Nowadays, more and more of them are actually reselling a large number of platform accounts and devices, and through bulk and centralized orders, the gang like cases are very obvious. The current professional gameplay is collusion between B-end and C-end users. Often, personnel from the express delivery industry participate. A management personnel in the express delivery industry told reporters that the original intention of the couriers participating in it was mainly to earn business commissions. Express delivery management personnel: Because he filled the order volume for the courier, there is a service fee between the courier and the shipping insurance. The courier knew that he was cheating the platform's freight insurance. At this point, the scammer of the freight insurance joined forces with the courier, who used the logistics return port to share the profits. We can only see an increase in quantity, we don't know if this quantity is true or false. Du Yuzhu, assistant judge of Chaoyang District People's Court in Beijing, also told reporters that from judicial trial practice, the criminal methods of such cases are diverse, and various profit models have been designed for different rules of the platform. Du Yuzhu: Criminal gangs will register a large number of shell online stores, list low-priced products, and then organize "brushing hands" to place orders in these stores and immediately apply for returns, using forged shipping and return logistics numbers throughout the process. Due to the fact that the compensation amount of freight insurance is linked to the logistics distance, they often set up their store address in remote areas to cheat for higher compensation. Du Yuzhu stated that this type of criminal behavior has shown characteristics such as rapid variation in methods, gang and professionalization, cross platform and cross regional crimes, small-scale and high-frequency, and accumulation of small amounts, which has increased the difficulty of solving cases. Although in recent years, major platforms have taken corresponding measures to address such phenomena, such as most platforms cooperating with insurance companies to directly pay freight insurance claims to courier companies, rather than to individuals or buyers. But the methods used by criminal gangs to defraud insurance are also constantly evolving. Jiang Nan gave an example: committing crimes with concentrated time and immediate use. For a period of time, I quickly placed orders with a large number of accounts in one place, and the total amount accumulated to a large extent. Both these stores and accounts were abandoned. Nowadays, most platform governance still relies on big data and AI systems for basic analysis. If it is only a small number of users' small orders involving thousands of yuan, anomalies may not be detected in the data. There is no way to intercept or identify it at the beginning, and it may need to form a certain scale before it can be identified through the risk control system and subsequent strikes can be initiated. Legal expert Zhang Changdan suggests cracking down on such illegal activities by strengthening legal risk warnings, such as pop ups or scrolling windows during freight insurance claims to indicate the legal risks of such "wool pulling" behavior; On the other hand, it largely relies on optimizing the platform's claims process or claims review standards. Du Yuzhu stated that such behavior is essentially aimed at illegal possession, fabricating false return information to claim freight insurance, and may constitute the crime of insurance fraud as stipulated in Article 198 of the Criminal Law of China. Du Yuzhu: If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or detention, and shall also be fined not less than 10000 yuan but not more than 100000 yuan. Not only organizers, but also couriers who provide false logistics, downlines who act as brush hands, etc., once they knowingly commit crimes, may become accomplices and be held criminally responsible according to law. (New Society)