Research On The Risk Management Of Automobile Insurance Fraud For Tie Bank Of China Insurance

With the continuous improvement of national income, China's car ownership has increased year by year, the motor vehicle insurance industry has also been rapid development. Bank of China Insurance Company is a major property insurance companies operating in the insurance business, although in recent years the insurance premium income and the size of the company maintained a rapid growth trend, but the company's operating efficiency and profits but showed a negative growth trend. Motor vehicle insurance rates led to the reform of motor vehicle damage insurance rates decreased significantly, while the cost of insurance company accommodation costs are rising, so that the profits of the insurance company's insurance business in the Bank of Korea by double squeeze. At the end of 2015, the comprehensive cost of insurance and insurance companies in China reached 103.25%, compared with last year, an increase of up to 1.62 percentage points, auto insurance business continued losses in recent years. According to the analysis of the data over the factors that lead to the Bank of China Insurance Bank of China insurance losses situation in addition to the reform of auto insurance rates, underwriting fees rise, rising costs, payment of imported vehicle insurance business structure unreasonable and the National Death disability standards, auto insurance fraud case is a major cause of increasing. Bank of China Insurance Company has also begun to realize the harm of insurance fraud, and adopted a series of control measures for auto insurance fraud, but subject to the size of the company, the quality of personnel, the degree of attention of multiple factors and did not establish a complete and effective management mechanism of insurance fraud, insurance anti fraud work results is not ideal.This is aimed at combining risk method and study of the management of the insurance industry in Europe and the United States, Japan and South Korea and other developed countries started earlier in the automobile insurance fraud, summed up a set of suitable for the Bank of China Insurance Company auto insurance fraud risk management plan. First of all, this paper discusses the theory and theory of motor vehicle insurance fraud, and analyzes the causes,manifestations and harm of auto insurance fraud. Secondly, this paper expounds the current situation of the insurance business of the insurance business in China and a series of control measures taken against the auto insurance fraud. Again, from the improvement of company structure, the establishment of fraud identification model,construction of auto insurance fraud warning system, a set of bank insurance company auto insurance fraud risk management scheme design summary against auto insurance fraud four aspects. Finally, a series of safeguard measures and methods are put forward to ensure the smooth implementation of the management plan.The rampant auto insurance fraud not only disturbs the normal auto insurance business of insurance companies, but also infringes the legitimate interests of other legal persons. The auto insurance business accounted for an absolute share in the Bank of China insurance business,establish a set of effective for Bank of China Insurance Company auto insurance fraud risk management scheme so to reduce the BOC insurance payment rate, comprehensive cost rate and realize the auto insurance business operating profit is significant.