Study On The Strategies And Mechanisms For Anti-insurance Fraud

This dissertation summarizes and analyzes the experience of international anti-insurance fraud, attempts to improve the operation of measures and mechanisms of the Life Insurance Company in China, the text includes seven chapters, and is structured as follows:The first chapter,"Introduction", describes significance of this research and methods of this research. Insurance fraud occurs with the emergence of the insurance hand in hand. How long history of the insurance industry is, how law is insurance fraud. Insurance fraud will increase transaction costs caused by insurance companies, and pass the transaction costs borne by consumers; to the consumers, because of insurance fraud may face the potential loss of premium increase. Over time, System of social solidarity may collapse and there is no way to avoid the risk insured. This paper studies with methods of the historical and logical law, comparative study and empirical analysis.Chapter II,"Review of the literature and discussion of the basic theory and practice of insurance fraud", gives an introduction to the basic problem of insurance fraud, and explores the basic theoretical knowledge of insurance fraud, Focused on the meaning of insurance fraud, the relationship between insurance fraud and the insurance crime, the relationship between insurance frauds and breaching of duty truthful relationship, the relationship between insurance fraud and moral hazard. And this chapter will give a study of economic quantitative and qualitative analysis on the insurance fraud.Chapter III,"the basic elements of insurance fraud", discusses the elements of insurance fraud. This chapter includes the characteristics of insurance fraud, the causes of insurance fraud and types of insurance fraud type. This paper argues that there are four constituent elements in insurance fraud:First, the objective element, the implementation of a fraud perpetrator; the second, subjective element, that is insurance fraud must have a deliberate fraud; The third element is the fact that elements with the results that there must be insured for the meaning of that error results; The fourth, causal elements, namely, s loss and insurance fraud causal. There are four characteristics of insurance fraud that the wide range of subject, complex behavior, serious harm, and high dark figure of crime. The causes and types of insurance fraud are even more complex.Chapter IV,"a comparative study on mechanism and legislation of anti-insurance fraud", studies institutions and mechanisms of anti-insurance fraud in the United States, Britain, France, Japan, Korea, China Taiwan, mainland China and other countries and regions, anti-insurance fraud-related Legislation is summarized and compared and analyzed the main national anti-insurance fraud initiatives of some of the basic features.Chapter V,"Characteristics of insurance fraud case", selects some typical case of life insurance fraud in Taiwan, discuss the common the main characteristics and motives of the person who engaged in insurance fraud, summarizes methods and characteristics of insurance fraud, and gives recommendations to Mainland China’s anti-insurance fraud policy.Chapter VI,"Mainland China’s construction of the system against insurance fraud", first of all, Analysis system problems of insurance fraud in mainland China; Secondly, give Recommendations and countermeasures on anti-insurance fraud in mainland China from the point of government agencies, insurance companies, insurance education, insurance regulation in this paper.Chapter VII of the "Conclusions and Recommendations," the resolution of this dissertation will be inducted, and some suggestions to legislative of the Insurance Fraud will be made in the end.