摘要
保险欺诈影响保险业的偿付能力,严重的保险欺诈甚至会导致保险市场失效。本文基于江、浙、沪调研采集的机动车保险索赔样本数据,通过Logistic分布下二元选择模型的实证分析,得到关于机动车保险欺诈识别的指标特征及相关解释;同时指出目前我国保险欺诈识别体系中尚存的不足之处,并就保险诚信的构建提出相关对策建议。
Insurance fraud affects the solvency of the insurance company, and serious frauds may even lead to insurance market failure. Based on Jiangsu,Zhejiang and Shanghai auto insurance claim data, and through the analysis of the exponential Binary Choice model under the Logistic distribution, we grasped the characteristics of indicators for identifying insurance frauds. The paper also unveiled the defects of the current insurance fraud detection system, and put forth suggestions on how to enhance the good faith system for the insurance industry.
出处
《保险研究》
北大核心
2010年第4期83-87,共5页
Insurance Studies
关键词
保险欺诈
识别指标
保险诚信
insurance fraud
detection indicators
insurance good faith
