Research On The Countermeasures Against The Fraud Prevention Of Motor Vehicle Auto Insurance

Motor vehicle insurance is a kind of property insurance,also known as car insurance.In China,with the rapid increase in car ownership every year,auto insurance has become China's non-life insurance market;the most important part of the property insurance is the largest insurance.At present,in the domestic insurance companies,the auto insurance business premium income has accounted for more than 50% of the total premium income of its property insurance business,part of the company's auto insurance business premium income and even accounted for60% of its total property insurance premium income,the above.Therefore,the profitability of the auto insurance business directly affects the economic benefits of the property insurance industry.However,in the process of car insurance business boom,there are many problems,which is weak profitability,the higher proportion of pay has been affected by the development of China's property insurance company a major problem.Although the auto insurance itself has the advantages of high risk of risk,large amount of payment,high compensation rate,but from the actual case analysis,insurance claims fraud is caused by China's auto insurance business pay rate is high,poor profitability An important reason.In recent years,domestic and foreign research on auto insurance claims fraud prevention measures can be said to be a lot of writings,but most of the literature analysis theory is weak,given the constructive comments are not practical enough,for this research status,this paper for China's auto insurance Business innovation rate is high,the poor performance of the poor performance of this hot issue,through the introduction of a large number of practical cases,the car insurance claims fraud theoretical basis,phenomena and causes of in-depth,systematic research and analysis.,Based on this,from the insurance product design and reduce the moral hazard strategy two aspects of China's auto insurance business claims fraud countermeasures and suggestions.This is also the practical significance of this paper.The first chapter is the introduction part,which points out the research background and significance of this paper,analyzes the current situation of research at home and abroad,and then points out the main research contents and innovation points of this paper.The second chapter is the theoretical basis of the research work,including information asymmetry theory and principal-agent theory.The theoretical background,theoretical significance,establishment method and main contents of these two theories are introduced respectively.The third chapter is the analysis of the status quo of auto insurance claims fraud.First,the definition,definition andcharacteristics of auto insurance fraud are given.Then the moral hazard is a major factor causing automobile insurance fraud.Through examples,moral hazard is analyzed.There are two common forms of insurance claims fraud,from behind the example,we can see that the lack of integrity of the relevant parties of insurance is the most fundamental reason for the current fraud.In addition,through the data analysis,this paper found that the current auto insurance fraud professional and grouping increasingly obvious,these phenomena should prompt the attention of the relevant departments.In the fourth chapter,this paper studies the deep-seated causes of car insurance claims fraud,which are classified into five aspects: the reasons of insurance category,the insured person's problem,the insurer's problem,insurance Agents of the problem,the construction of insurance laws and regulations and the implementation of the problem,for each aspect of the problem given the corresponding method recommendations.In the fifth chapter,based on the analysis of the results in Chapter 3 and Chapter 3,this paper gives some concrete measures to prevent the occurrence of auto insurance claims fraud from the two aspects of the design of insurance products and the reduction of moral hazard probability.And hope to be able to relevant management in the development of management practices and laws and regulations to provide a meaningful reference.