Research Of The Motor Vehicle Insurance Fraud Risk Prevention And Control

The auto insurance business is an important source of property insurance premium income, accounting for more than70%of the revenue of the property and casualty insurance company, but in connection with the coexistence of auto insurance fraud has become a bottleneck in the developing of auto insurance. Due to the widespread presence of fraud caused the operating status of the auto insurance market,"high premiums, claims, low efficiency", the healthy and sustainable development of the overall business had a tremendous negative impact. Due to asymmetric information, insurance fraud countries in the insurance industry had to face problems. The existence of insurance fraud not only affects the level of profitability of the insurance company, but also lead to honest policyholders must be protected at an additional cost. According to statistics, the proportion of spending as a result of insurance fraud continues to climb. Relevant data show that international insurance fraud average loss of about10%-30%. China’s insurance fraud is also a significant increase in fraud in insurance fraud accounted for roughly20%. Although such a severe form of insurance fraud, but our insurance companies simply do not realize the serious harm our country do not establish their own insurance anti-fraud system and architecture, in addition to the study of insurance fraud is only in its infancy, the objective existence a large number of imperfect. Therefore, identify the impact of fraud in the auto insurance market risk factors, prevention and control of risks, reduce losses is placed in front of the property and casualty insurance company is a major problem. Strengthen the research work, analysis of motor vehicle insurance business auto insurance fraud risk-related factors, not only for the operation and management has a great significance, but also to carry forward the insurance coverage, maintaining social stability and building a harmonious society has a very significant practical significance.The first chapter of this paper, the background and significance of the research literature on insurance fraud at home and abroad to do a review, the research methods and structures. The second chapter of the motor vehicle insurance fraud overview, reviews the development status of China’s motor vehicle insurance, summarizes the origin and type of motor vehicle insurance fraud and systematic analysis of the hazards of insurance fraud. The third chapter further analysis of the status of foreign motor insurance anti-fraud, and a brief analysis of foreign insurance anti-fraud learn from experience abroad to take effective and achieved good results in the process of auto insurance anti-fraud, where important reason is:the United States to take, such as AAG model, the rapid classification model and other models; and established a set of structured insurance anti-fraud system; developed more perfect auto insurance anti-fraud legislative level, so that to the insurance anti-fraud system security; insurance company’s own anti-fraud awareness and better, so that you build an impenetrable wall from the inside of the insurance company, insurance fraud, there was no way. The fourth chapter analyzes the situation of China’s motor vehicle insurance anti-fraud, as well as the main problems. Chapter combines the actual L insurance company insurance fraud against auto insurance fraud measures and recommendations proposed insurance company.In short, this article mainly by the analysis developed countries to take the Insurance Fraud, and combined with the actual situation of the anti-fraud measures and recommendations in line with China’s national conditions of China’s auto insurance market, and finally the formation of a complete coverage of the insurance anti-fraud system.