近日，一则关于运费险背后隐藏的骗保“黑灰产”的消息引起了广泛关注。根据报道，一些不法分子利用运费险漏洞，通过大量虚假退货订单骗取差价，给商家造成了巨大经济损失。
商家王鑫透露，他最近一天收到了10个原封不动退回的包裹，这些订单大多是恶意退货行为。王鑫表示，一个订单交5块钱运费险，3块钱运费，加上包装等成本，平均一个订单亏损10元。他估测自己店铺的退货中有一半是骗保。
据了解，运费险原本是为了降低消费者退货成本而设，却被一些团伙利用成为牟利的工具。这些不法分子通过批量寄件等手段寻找更便宜的快递渠道，从中赚取差价。商家们总结了一些经验来识别这些恶意订单，包括账户信誉等级低、使用同一地址和电话下单等。
面对这一问题，电商平台淘宝近期将全面优化当前运费险策略，并加大对骗保“黑灰产”的打击力度。商家们期待通过这些措施，能够建立一个更加健康的电商生态。
运费险骗保问题给商家带来了巨大的经济损失，同时也增加了他们的运营成本。王鑫表示，他的店铺运费险投保费从2月份的0.25元涨到了现在的1.1元，每天的成本上升了近百元。李雪则发现，她的店铺运费险投保费从不到一块钱一单，最高涨到三四块钱一单。
尽管商家们可以通过淘宝投诉来处理这些恶意订单，但这个过程耗时耗力，且并非所有投诉都能得到有效处理。因此，如何有效打击这一“黑灰产”，成为了电商平台和商家们共同面对的挑战。
英语如下：
Title: Shipping Insurance Fraud: A Bane for E-commerce Businesses
Keywords: Shipping Insurance, Insurance Fraud, E-commerce Ecology
Content:
Recent reports have sparked widespread attention over the hidden insurance fraud in the shipping insurance industry, with some unscrupulous individuals exploiting loopholes in the shipping insurance system to commit fraud by generating a large number of false returns and claiming the difference, causing significant financial losses to merchants.
Merchant Wang Xin disclosed that he recently received ten unopened packages in a single day, most of which were the result of malicious returns. Wang Xin noted that each order incurs a 5 yuan shipping insurance fee and 3 yuan in shipping costs, along with additional packaging expenses, leading to an average loss of 10 yuan per order. He estimated that half of the returns in his shop were related to fraud.
The shipping insurance was originally intended to reduce the cost of returns for consumers but has been exploited by certain groups as a means of profit. These fraudsters use bulk mailing and other tactics to find cheaper shipping channels, profiting from the difference. Merchants have developed strategies to identify these malicious orders, including low account credibility ratings, using the same address and phone number for orders, and more.
In response to this issue, the e-commerce platform Taobao has recently announced plans to comprehensively optimize its current shipping insurance strategy and strengthen efforts to combat insurance fraud. Businesses are hopeful that these measures will help establish a healthier e-commerce environment.
The problem of shipping insurance fraud has caused substantial financial losses and increased operational costs for merchants. Wang Xin mentioned that the cost of shipping insurance for his shop has risen from 0.25 yuan in February to 1.1 yuan now, with daily costs increasing by nearly 100 yuan. Li Xue found that the cost of shipping insurance for her shop has skyrocketed from less than a yuan per order to as much as 3 to 4 yuan per order at its peak.
While businesses can report these malicious orders to Taobao for resolution, the process is time-consuming and resource-intensive, and not all complaints result in effective outcomes. Therefore, effectively combating this “black and gray industry” has become a challenge faced by both e-commerce platforms and businesses.
【来源】http://www.chinanews.com/cj/2024/07-31/10260539.shtml
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