| With the development of wenshan economy,insurance industry especially in vehicle insurance business has also been corresponding development,all 2015 of wenshan prefecture scale of car insurance premiums for 746 million,2016 to 920 million,2017 car insurance scale development in 1.08 billion,vehicle insurance business booming at the same time also increased the local car insurance claims the burden of work,the industry claims in 2015 to 2015,and 346 million to 410 million,in 2017 broke through 434 million,car insurance business pressure increased significantly,the industry average car insurance loss ratio,this paper adopts simple statistical caliber of loss ratio)of 43%.CTWS company is car insurance development as the main business property insurance company,from 2015 to 2017 years of data,loss ratio is high,increased from 37.58%in 2015 to 65.66%in 2017,the average pay level reached 53%,higher than the industry average of 10%,has brought the company a certain loss,exacerbating the difficulties of car insurance business.From the actual situation of CTWS auto insurance operation,the frequent occurrence of auto insurance fraud cases is also an important reason that leads to high compensation.Insurance institutions at home and abroad,this paper research and management of auto insurance fraud,in the domestic and foreign car insurance fraud is studied on the basis of related theory,discusses the causes of car insurance fraud and harm to the company,through comprehensive carding CTWS company specific occurrence of fraud,further analysis the case,the behavior and characteristics of the combined with the situation of CTWS company car insurance claims,summed up the car insurance fraud prevention and control management measures,the risk early warning,identification and treatment of three core steps to explore a set of suitable for CTWS companies operating in the prevention and control system.The study of this enterprise and other enterprises in similar industries have a certain reference value. |
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