Shenzhen, ChinaMay 14, 2026 /PRNewswire/ — In recent years, financial black and gray market tactics have continuously evolved and upgraded, exhibiting characteristics of specialization, concealment, and networking. Illicit practices such as illegal “agency fee refunds” and fraudulent wealth management schemes have emerged in endless succession, posing new challenges to consumer rights protection. Cigna & CMB Life Insurance Co., Ltd. (referred to as “Cigna & CMB Life”) actively upholds the political and people-oriented nature of financial work, diligently conducts financial education and publicity efforts, breaks away from traditional education and publicity models, and explores a new path for financial consumer protection characterized by “precise identification, targeted treatment, and closed-loop effectiveness.”
From “Comprehensive Prevention” to “Precise Treatment”: Targeting Black and Gray Market Traffic Entry Points for Accurate Public Education
For a long time, financial education has commonly adopted a broad risk warning model targeting all customers. However, as illegal “agency fee refunds,” fraudulent wealth management, and other black and gray market tactics continue to evolve, the traditional model has significant “blind spots” in reaching actual victim groups.
Cigna & CMB Life discovered that black and gray market organizations extensively use online live-streaming platforms to precisely target potential leads, making this a key entry point for infringing on consumer rights. In response to this characteristic, Cigna & CMB Life selected experienced consumer protection experts to enter platforms where black and gray market live streams are concentrated. By hosting public interest live streams to “compete head-on,” they directly confront the content of black and gray market organizations. During these live streams, the expert team clearly reveals the legal risks and harms of illegal proxy rights protection activities, guiding consumers to resolve disputes through official and legitimate channels in an easy-to-understand manner. In the second half of 2025, Cigna & CMB Life conducted multiple such public interest live streams, each averaging nearly 10,000 likes, effectively compressing the living space of black and gray markets while spreading positive financial energy.
At the same time, once a customer is suspected of being victimized, Cigna & CMB Life will immediately arrange for staff to meet the customer in person, play warning promotional videos on-site, and assist them in deleting contact information with black and gray market organizations, thereby taking concrete actions to block the path of infringement. This closed-loop model of “online identification + offline intervention” upgrades financial education from traditional “one-way indoctrination” to “two-way interaction + precise intervention.”
From “Process-Oriented” to “Effectiveness-First”: Establishing a Full-Chain Effectiveness Evaluation Mechanism
The “effectiveness evaluation” of financial education and publicity has always been a pain point in the industry. In traditional models, institutions often focus on process indicators such as the number of interaction sessions and coverage, but it is difficult to measure the actual improvement in consumers’ risk awareness.
Cigna & CMB Life has taken the lead in exploring the establishment of an education and publicity effectiveness evaluation mechanism, linking risk warning publicity related to financial online chaos with monitoring data on customer harassment. Once changes occur in customer harassment data, proactive risk warnings are sent, combining “passive interception” with “active early warning.” Since 2025, Cigna & CMB Life has sent six batches of risk warning text messages, covering tens of thousands of customers. The proportion of complaints suspected of involving black and gray markets has significantly decreased, and risk prevention capabilities have been continuously strengthened.
Additionally, Cigna & CMB Life conducts linkage analysis between daily financial knowledge push notifications and subsequent complaint data, as well as changes in harassed customer data. Based on this, a second round of targeted education is carried out, ultimately forming a management closed loop of “publicity-monitoring-early warning-re-education.”
Looking ahead, Cigna & CMB Life will continue to deepen the integration of technological innovation with consumer protection work, earnestly fulfill its social responsibilities as a financial institution, promote the construction of an integrity culture in the industry, make every effort to safeguard the legitimate rights and interests of financial consumers, support the high-quality development of the financial market, and provide protection for the health, happiness, and security of the general public.