Research On The Supervision Of Motor Vehicle Insurance Fraud

In China,insurance products exist as a supplement of life security.Insurance products are not only an extension of social welfare,but also a derivative financial product.With the development of industrialization and the progress of science and technology,the number of motor vehicles in China is increasing day by day,which brings about the increase of motor vehicle insurance business,and the largest insurance in the insurance industry is also gradually transitioning to motor vehicle insurance.Vehicle insurance improves the structure system of social insurance and provides strong support and guarantee for a large number of drivers and families.The management of automobile insurance claims is the management of the government and relevant departments to complete the process of automobile insurance claims under the legal system,under the supervision of the insurance supervision committee,and under the norms of local industry associations.The Third Plenary Session of the 18th Central Committee of the Communist Party of China pointed out that the functions of the border government should be effectively transferred,and the administrative system should be reformed and deepened.In the work of vehicle insurance supervision,relevant regulatory authorities and institutions at all levels involved in the work of insurance industry have made a full range of regulatory systems,such as legal constraints,industry rules and regulations,and a series of management requirements.At the same time,relevant judicial authorities have made great efforts to rectify all kinds of insurance fraud to crack down on the illegal and criminal acts of insurance fraud Certain achievements.But fundamentally speaking,the insurance industry should gradually adjust the focus of fighting against insurance fraud crime to the link of collecting comprehensive social resources for governance.With the support of policies,the case of motor vehicle fraud has received a strong blow.Based on the theory of government supervision,moral hazard and new public management,this paper analyzes the relevant theories of domestic and foreign motor vehicle insurance fraud supervision,explores the ways and methods of China's motor vehicle fraud supervision,and clarifies the relevant concepts of motor vehicle insurance fraud supervision by using literature research,case analysis and other research methods.Through the analysis of individual cases,the author further finds out the existing problems in the supervision of motor vehicle insurance fraud in Yangquan,Shanxi Province,and puts forward suggestions and countermeasures from the aspects of improving laws and regulations,increasing public policies,reducing information asymmetry,building the anti fraud system of motor vehicle insurance and information sharing resources for underwriting and claims settlement.From the point of view of the public administration,this paper examines the problems of motor insurance,discusses the causes and origin of insurance fraud,and finds that the implementation of government policies in vehicle insurance supervision is insufficient,which provides certain reference value for Yangquan government,Yangquan insurance industry organizations and insurance institutions to promote the sound development of motor vehicle insurance.At the same time,based on the exploration and Research on the supervision of motor vehicle fraud,there will be some infeasible places to avoid,which definitely needs some practical tests.However,the author believes that the insurance regulatory authorities in Yangquan,Shanxi Province should make great efforts to improve the political position and the governance ability of the government,continue to explore and study the modern theory and the way to realize the standardization of motor vehicle insurance.The government agencies should take the responsibility of the standardization of motor vehicle insurance,and play a more important role in the supervision of motor vehicle insurance fraud in combination with the local practical situation What you want.