运费险背后的骗保“黑灰产”正在电商平台中猖獗，给中小商家带来巨大损失。据商家反映，一些不良消费者利用运费险的退货机制，通过批量寄件等方式骗取运费与保险费之间的差价。这些消费者往往选择“自行寄回”的选项，通过寻找更便宜的快递渠道，将退货运费降至3-4元，而正常情况下消费者通常会选择快递员上门取件，享受10-13元的运费补贴。
商家们指出，这些恶意订单通常表现为淘宝账户信誉等级较低，使用同一个地址和收件人电话下单，且包装未拆封即退回。面对这一问题，商家们面临着发货和投诉的两难选择。尽管有商家尝试关闭运费险，但担心影响店铺流量和曝光度，从而影响生意。
为了应对这一问题，电商平台正采取措施。淘宝近期宣布将全面优化当前运费险策略，并加大对运费险骗保“黑灰产”的打击力度。商家们期待着一个更健康的电商生态，以减少此类骗保行为带来的损失。
英语如下：
News Title: “Shipping Insurance Scams: E-commerce Giants Combat Black and Grey Markets”
Keywords: Insurance Fraud, Shipping Insurance, E-commerce Ecosystem
News Content: The rampant scam of insurance fraud in the “black and grey market” behind shipping insurance is causing significant losses to small and medium-sized e-commerce businesses. According to reports from merchants, some unscrupulous consumers are exploiting the return mechanism of shipping insurance to defraud the difference between shipping fees and insurance premiums by mass-producing returns. These consumers often choose the “self-return” option, using cheaper courier channels to reduce the return shipping fee to 3-4 yuan, whereas under normal circumstances, consumers typically opt for a courier to pick up the item, enjoying a shipping fee subsidy of 10-13 yuan.
Merchants point out that these malicious orders typically exhibit low reputation scores on Taobao accounts, use the same address and recipient’s phone number for orders, and the packages are returned unopened. Faced with this issue, merchants are caught in a dilemma between shipping and handling complaints. Despite some merchants attempting to disable shipping insurance to prevent such fraud, they are concerned about the potential impact on their shop’s traffic and visibility, which could affect their business.
To address this issue, e-commerce platforms are taking action. Taobao recently announced a comprehensive optimization of its current shipping insurance strategy and a stronger crackdown on insurance fraud in the “black and grey market.” Merchants are looking forward to a healthier e-commerce ecosystem that reduces the losses caused by such insurance fraud.
【来源】http://www.chinanews.com/cj/2024/07-31/10260539.shtml
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