The Strategies To Deal With Insurance Fraud

With the development of the insurance industry’s problems, some of the insurance industry including insurance fraud is gradually revealed. How to deal with insurance fraud has become an important issue for the whole society. Due to the late start time of the insurance industry, the insurance system is in a process of gradual improvement, research fraud levels are essential to complete our insurance system.Theoretical significance of this paper is as follows. Depth analysis of the causes of insurance fraud arising from the development of features will helpful for further research of insurance fraud, further domestic insurance theory of insurance fraud. Practical significance of this paper is as follows. Through the analysis of domestic and international insurance fraud work is helpful for insure a more specific and effective anti-fraud work.First, this paper introduced the research background and significance, summarized and related research, defined the concept of insurance fraud, and summarized the performance of insurance fraud. Then, combined with the specific state of A property insurance companies, this study analyzed the development status of insurance fraud, including the total number, the amount, as well as the situation in different regions. Then, using the game model, the paper analyzed the reasons of the policyholders, insurers ang insurance agents, combined with the operations of the insurance industry specific analysis, in-depth analysis of its causes. After analyzing the current situation and the specific measures in some countries of the international anti-fraud, the paper made recommendations with China’s case.It found that insurance fraud has some theoretical basis. Because inconsistent self-interest leads to possible fraud. There are some specific reasons. Frist, less credit constraints of society leads that the participants are more inclined to self-serving behavior of insurance and raising the possibility of making fraudulent. Second, insurance fraud laws should be further strengthened, because its role is limited to fraud phenomenon. Third, economic reasons is that the interests of all internal participants generate inconsistencies in the case, may lead to fraud. Fourth, the management, risk and other factors of insurance company limit the process of healthy development. Fifth, because the property insurance insurance object is generally physical assets, it is more likely to produce fraudulent.Combine with domestic and international experience.it suggests that in China’s insurance fraud work should be carried out in many aspects. First, pay attention to environmental support. The government should support to the work on anti-fraud policy, so it can be integrated government and market forces continue to improve anti-fraud law allowing insurers a sound legal basis. Second, establish an specialized anti-fraud agency. Third, focus on the construction of the insurance company’s internal and external cooperation. Fourth, give full play to the functions of the insurance industry associations and the existing industry information resources. Fifth, continue to strengthen public education to raise awareness of its insurance and establish a good foundation for such public work.