When you shop online, will you take out a single "freight insurance"? Or will you give priority to the store that has already purchased "freight insurance" to place an order? Recently, many users have found that the online shop they often buy suddenly doesn’t give away shipping insurance. Have you encountered this situation?
It is understood that freight insurance was first introduced in 2010 to reduce the cost of returning goods to consumers. Due to the good market response, this type of insurance has gradually become the "standard" for major e-commerce platforms to attract customers. However, in the past ten years, freight insurance has not only optimized the shopping experience, but also pushed up the return rate to a certain extent, and even bred the "professional wool party" of "false insurance fraud", which greatly increased the operating pressure of merchants and insurance companies. When all parties lose enthusiasm, where is the future of freight insurance? How to plug the loopholes in the compensation mechanism?
Online shop merchants: "worry-free order" pushes up the return rate
The data shows that in e-commerce sales, the return rate of shoes, clothing, accessories and other categories remains high. Some shop merchants said in an interview with reporters, "Shut down ‘ Freight insurance ’ Worried about fewer orders and lower store scores; If it doesn’t, the return volume is really scary. "
The reporter interviewed an e-commerce operator, Zhang, who had previously run a women’s clothing store, which was closed in the second half of last year. The owner said that the competition for women’s wear is fierce and it is normal for consumers to shop around. However, she said that under the "worry-free return" mode, some customers are too "impulsive" to place an order. "The same dress, three yards each in two colors, and two of them are returned halfway." The reporter observed that in addition to women’s wear, the return rate of children’s wear, men’s wear, daily necessities and other categories is also increasing year by year. From the merchant’s point of view, the premium cost of each item will be increased by about 5 yuan when giving away the "freight insurance" service. If the return rate is too high, it will be "not worth the loss".
Online shopping returns have a scam freight insurance "bonus hunter" of more than 3 million
The problems brought by "freight insurance" are increasingly apparent. For merchants, the increase in return rate invisibly increases operating costs; For insurance companies, payout ratio is high, and there is still the risk of being cheated. Recently, the Shanghai police cracked an insurance fraud case in which an online shop made a fictitious transaction to defraud the return freight insurance, and arrested 13 suspects, involving more than 3 million yuan.
In January this year, an insurance company in Shanghai reported to the police that the logistics information of part of the return freight insurance claimed by the company was completely inconsistent with the information of the person who placed the order, the address of the order and the return time. Some orders were even returned much earlier than the receipt time, and these abnormal orders were concentrated, which was suspected of being cheated.
Liu Qin, deputy head of the second brigade of the first detachment of the Economic Investigation Corps of Shanghai Public Security Bureaugovern：The concentration of this abnormal situation in which criminals place orders in these online stores is quite obvious. In other words, these so-called false orders are concentrated in those more than 100 stores.
The police found that these online stores immediately received more than 100 orders after successful registration. After obtaining the compensation for the return freight of the insurance company, these online stores no longer have new orders. And these logistics document information of delivery and return are forged, and some of them are even thousands of kilometers apart from the delivery address of the order and the delivery address of the return.
Liu Qingovern：In order to implement insurance fraud to the maximum extent, these criminals artificially pulled the distance between the two places of origin to the longest. For example, in our case, the store may be set in Tibet, and the so-called receiving logistics address of the brush hand is set in Guangdong.
The police immediately filed a case for investigation.
After investigation, the criminal suspect Wang used more than 100 online shop accounts opened, together with Peng, Chen Mou and others, to defraud the return freight insurance claims in the form of fictitious transactions. In the meantime, Wang paid the relevant funds for ordering, and 12 people, including Peng and Chen Mou, placed orders in batches to buy small commodities.
Liu Qingovern：They, a group of people, first placed an order for low-priced mobile phone cases in these props stores. After placing the order, they immediately uploaded the fake logistics information of the fake delivery. After the brush saw it, they immediately ordered a refund. After the refund, they then sent the fake logistics information to the platform.
False application for return, forged thousands of documents to defraud insurance
Wang and others falsely applied for a return when the store didn’t actually deliver the goods. By forging the delivery and return logistics documents, they falsely applied to contact the express logistics to return the goods, and defrauded the insurance company of more than 3 million yuan in refund insurance claims. After finding out the criminal facts of the gang, the Shanghai police launched a network-closing operation.
By the end of April this year, the police had arrested 13 suspects, including Wang. After investigation, the criminal gang arranged for the fraudulent delivery and return of logistics documents, with 10% of each freight order as a reward.
Liu Qingovern：Every day, dozens of brushes are the least, basically hundreds, and many have nearly a thousand orders.
At present, five suspects, including Wang, have been arrested by the procuratorate for alleged insurance fraud, and the remaining eight suspects have been criminally compulsory according to law. The case is under further investigation.
According to the police, the follow-up of the case will also be traced and cracked down on the brushing personnel and the source of express information, and the financial black and gray industrial chain will be cut off.
Deceiving insurance to a certain amount will commit insurance fraud.
In addition to "false order" fraud, now a small amount of "single fraud" has also formed a gray industrial chain. Specifically, the payment amount of freight insurance is relatively fixed, but if you choose to send it back by yourself, there is room for bargaining the actual return fee, and some buyers will return it maliciously after placing an order in batches to take the difference between the claim and the courier fee. Article 198 of China’s criminal law stipulates that those who engage in insurance fraud activities with a large amount shall be punished as insurance fraud.
How to crack down on insurance fraud without "accidentally injuring" consumers?
For consumers, online shopping can’t touch the real thing and see the effect. Without freight insurance, the cost of trial and error becomes higher, and even the desire to shop is reduced. However, some people use the "bonus hunter" of freight insurance and the high rate of commodity exchange, which really makes businesses complain. How to crack down on insurance fraud without "accidentally injuring" consumers?
At present, the existing platforms have introduced measures to reduce the merchant’s freight insurance, such as simplifying the return procedures and judging abnormal accounts to solve the problems. Legal experts also believe that it can be comprehensively managed by raising premiums, or stipulating deductible or deductible, and improving consumers’ platform credit rating. Some insiders also said that e-commerce platforms should also break the "information island" mode, so that accounts with bad behavior on one platform can be quickly identified on other platforms.
