Anti-insurance Fraud Research

Insurance fraud is only one of these economical frauds , and it has quite a lot of peculiarity on account of its similarity to other economical frauds , and it is related with informational knowledge . This paper studies solutions to these asymmetric information problems in our insurance market from information micro-economics , as to find ways of anti-insurance fraud .At first , this paper introduced insurance fraud , which is divided into moral hazard and adverse selection according to the time of fraud's beginning , then the causes of insurance fraud , the manifestation of insurance fraud .The paper constructs a prisoners' dilemma model in insurance market to analysis the asymmetric information phenomenon . In the end , introduced the anti-insurance fraud experience in other countries , and give some advices in how to prevent insurance fraud in China .