A Study On Government Regulation Of Car Insurance Fraud In Sichuan Province

With the rapid development of China’s economy and the improvement of technology,the number of motor vehicles is increasing,the scale of car insurance is expanding,car insurance has become the number one insurance in China,the coverage and influence of car insurance business is expanding,car insurance fraud occurs from time to time,fraudulent insurance practices are repeated,and in some areas there is even an "industrial chain" of fraudulent insurance payments "The emergence of car insurance fraud has had a significant impact on the insurance industry.The emergence of car insurance fraud has had a major negative impact on the stable and sustainable development of the insurance industry.Although more and more insurers are starting to work against car insurance fraud,it is still not possible to improve the overall situation in the car insurance market,so the government needs to step in and regulate car insurance fraud.In the work of government regulation of auto insurance fraud,the relevant regulatory authorities and the institutions involved in the insurance business at all levels have made a full range of regulatory systems,such as legal constraints,industry regulations and guidelines,and a series of management requirements,while the relevant judicial authorities have made great efforts to rectify all kinds of insurance fraud,in order to crack down on insurance fraud offences,there are still a series of problems that need to be faced.This paper takes the regulation of motor vehicle insurance fraud in Sichuan Province as the background,takes the theory of new public management,The theory of government regulation and information asymmetry theory as the theoretical basis,adopts literature research method,interview method,comparative analysis method and other research methods,draws on domestic and foreign motor vehicle insurance fraud government regulation related research theory to analyses,explore the ways and means of motor vehicle fraud regulation in Sichuan Province,clarify the regulation of motor vehicle insurance fraud.The study will identify the relevant concepts of motor vehicle insurance fraud regulation.Through relevant data and documents,the current problems in the government regulation of motor insurance fraud in Sichuan Province are further revealed,and an in-depth analysis of the problems is conducted.Finally,taking into account the research results on the government regulation of motor insurance fraud at home and abroad,and the actual situation of government regulation of motor insurance fraud in Sichuan Province,corresponding policy measures are given on how to further improve the regulation of motor insurance fraud in Sichuan Province,which are as follows: clarify the positioning of the regulatory bodies of motor insurance fraud at all levels,strengthen the efficiency of government regulation of motor insurance fraud,strengthening the construction of the regulatory system of motor insurance fraud,Strengthen inter-departmental communication and collaboration,enhance the ethical culture of the auto insurance market.