Management Of Motor Vehicle Insurance Fraud

With the continuous development of economic and social, our country’s automobile market has been rapid development, the total production of cars each year, the per capita car ownership, the number of new cars are rising, car boom not only represent the achievements of China’s economic development, more a symbol of the growth of people’s living standard.Every year, however, with the increase of cars, property damage caused by traffic accidents and casualties rising year by year, the increasing of the car are introduced for the life of people more and more risk.Traffic accident damage compensation problem has gradually become a prominent social problem, thus promoting the rapid development of motor vehicle insurance, has now become the leader of the property insurance danger to plant, motor vehicle insurance premium income has accounted for more than70%of the total premium income property insurance company, motor vehicle insurance business situation is good or not directly related to the property insurance company of business profits, but the problem with the coexistence of car insurance fraud has become the bottleneck of development of car insurance.Car insurance market due to the widespread fraud "high premiums, high pay, low benefit" the management status quo, healthy and sustainable development of overall business made a tremendous negative impact.Due to information asymmetry, insurance fraud became the various countries’insurance industry have to face the problem.The existence of insurance fraud not only affects the profitability of insurance companies, also caused the honesty of the insured must pay an additional fee for guaranteed.According to statistics, because of insurance fraud and lead to rising proportion of spending.Relevant data shows, the international insurance fraud losses at about10%-30%on average,Insurance fraud is a large increase in our country, fraud crime of insurance fraud accounted for about20%.So the car insurance industry is facing a major strategic issue:how to more effectively prevent car insurance fraud, in order to obtain the health of the industry sustainable development and more competitive advantage.Based on the principal-agent theory, incentive theory, information asymmetry theory, demand theory as main theoretical guidance, first of all, the cause of motor vehicle insurance, forms and harm were analyzed, and studied the inherent logic of car insurance fraud, to form the logical starting point of this study.Then, the paper introduces the relevant theory to guide, and then to our country motor vehicle insurance fraud management present situation and existing problems of empirical research.At the same time, using the incomplete information dynamic game theory to insurance company and policy-holder and insurance agent and vehicle maintenance and repair factory, the game relation between were studied.Build a dynamic game model, the insurance company and policy-holder, insurance agent and vehicle maintenance and repair factory the game process between, the optimal strategies and repeated game are analyzed, and through the discussion of the result of the game model of equilibrium solutions to find motor vehicle insurance fraud.Finally, in combination with the results of empirical study and model analysis, and draw lessons from the developed countries in the successful experiences in motor vehicle insurance fraud prevention, to our country motor vehicle insurance fraud management system optimization and improvement Suggestions are put forward.