摘要
车险领域历来是保险欺诈的"重灾区",车险欺诈案件数量占保险涉刑案件的70%~80%,严重侵害保险消费者合法权益,破坏正常的车险市场秩序,影响道路交通安全和公民人身、财产安全,是行业监管部门、公安司法机关防范打击的重点犯罪类型。近年来车险欺诈案件频发、手段多样,且日趋职业化、团伙化、专业化,对行业车险反欺诈以及监管工作提出了新的挑战。本文基于近年来反欺诈监管工作实践,以北京地区5家大中型保险公司的理赔及反欺诈工作数据为基础,分析了当前车险欺诈案件的新趋势和新特点,进而从保险公司经营管理、行业信息共享、外部环境、法律法规等多个方面剖析问题成因,并针对性地提出了以大数据为核心构建多方协作联动防控体系的监管工作建议。
Vehicle insurance has always been plagued by insurance frauds, which accounts for 70-80% of insurance-related criminal cases.These frauds gravely infringe lawful rights of insurance consumers, disrupt the normal order of the vehicle insurance market, and affect traffic security and personal and property security of the public.Therefore, they are an important type of crimes targeted by the insurance regulator and the public security and judicial organs.Vehicle insurance frauds have occurred more frequently, become more diversified in forms, and has the tendency of becoming professionalized, specialized and committed by gangs in recent years.This makes anti-fraud actions and regulatory work more challenging.This paper was based on the anti-fraud regulatory practices and claims and anti-fraud statistics of five Beijing-based large and medium-sized insurers in recent years.It analyzed the new trends and characteristics of vehicle insurance frauds, and explored on the causes of the problem from the perspectives of operation and management of insurers, data sharing of the industry, external environment, laws and regulations, etc.Finally, the paper put forwards regulatory suggestions to construct a multi-party cooperative prevention and control system with big data as the core.
作者
车险反欺诈联合课题组
The Joint Research Team on Anti-Vehicle Frauds
出处
《保险研究》
CSSCI
北大核心
2021年第6期3-10,共8页
Insurance Studies
关键词
车辆保险
保险欺诈
现状分析
保险监管
vehicle insurance
insurance fraud
analysis of the current situations
insurance regulation
