Research On Insurance Agent Fraud In China

With the rapid development in domestic insurance industry, insurance fraud is becoming more serious, of which insurance agent fraud has a broader and dangerous social impact. The reasons why insurance agent fraud is arising are not only a series of factors such as the imperfection of existing policies or regulations, the ineffectiveness of monitoring and the inexact positioning of insurance agents market, but also deeper factors based on asymmetric information the principal-agent relationship itself. In this paper, according to these two aspects, it proposes that from the market and system as well as principal-agent relationship under asymmetric information to analysis, using the principal-agent model conclusions as well as learning from foreign experience, combined with the actual situation to take measures to reduce insurance agent fraud.In purpose of established research, this paper consists of five chapters. Chapter 1 introduces the background and research significance of this paper, and it unscrambles relevant articles about insurance fraud both home and abroad, which lays a ground for the following research. Chapter 2 describes the theory of asymmetric information and the forms of insurance fraud, and then it analyzes the meaning of insurance fraud in the views of laws and economics. At the same time, it proposes the concept of the insurance fraud restrict in the view of insurance industry corporate governance. Chapter 3 focuses on the insurance agent fraud, discussing the performance and influence of agent fraud, and then it emphasizes the causes of agent fraud in side of the market and the system, as well as principal-agent relationship. In the end, we try to propose some measures and views to solve agent-related fraud...