Research On Air Control And Anti-fraud Of Auto Insurance Based On Intelligent Claim Process

In recent years,with the car gradually into the family,China's automobile consumption gradually increased,for the vehicle insurance has become an important guarantee for the owner to resist risks.China's vehicle insurance premiums increased rapidly,auto insurance premiums accounted for a higher proportion.But the rapid growth of car insurance income,but did not bring rapid profit for the property insurance companies,many companies car insurance business profits loss,one of the very important reason is that the proliferation of auto insurance fraud.In recent years,China's motor vehicle insurance risk rate increased significantly,auto insurance fraud has not yet been effectively curbed.The domestic insurance companies to combat auto insurance fraud against the growing momentum,the scope is more and more widely.But there is no effective form of effective prevention of self-contained methods,the relevant laws,moral public opinion on the phenomenon of car insurance fraud also lack of effective binding.Car insurance fraud has had a significant impact on the healthy development and profitability of the insurance company itself,and will ultimately harm the legitimate interests of many policyholders.In summary,the research and prevention of motor vehicle insurance fraud has become a major issue in the insurance industry.To study the possible fraudulent prevention methods and anti-fraud strategies in the auto insurance industry,to improve the profitability of auto insurance market,to improve the profitability of automobile insurance in the property insurance industry,to safeguard the legitimate rights and interests of customers and to promote the healthy development of the automobile insurance market is important significance.How to resolve the number of cases in a reasonable range,out of an effective auto insurance anti-fraud road,is an urgent problem.Based on the auto insurance claims process,from the investigation,fixed loss,nuclear loss of three key links,analysis of possible fraud has been analyzed for the auto insurance claims provide a basis.Effectively mobilize the functional departments,insurance companies and the general public's anti-fraud initiative,relying on the power of the whole society to combat car insurance fraud,the formation of the whole people to fight against the social atmosphere and good atmosphere.This thesis analyzes the related cases of auto insurance fraud,analyzes the causes and measures of auto insurance fraud,puts forward the methods of optimizing the claims process by intelligent means,extract the 10 group characteristics for fraud identification based on Logistic regression analysis,designed the probabilistic neural network model to predict fraud,determined the effectiveness of the characteristic analysis of the test sample,and making use of the trained neural network to predict car insurance fraud.The results shows that the purposed algorithm of car insurance fraud claims are correct,it has fast response speed,high precision,and can reduce the occurrence of fraud,provides a powerful guarantee for the health of the insurance industry development.