Research On Shandong Property Insurance Fraud And Anti Fraud

With the rapid development of Shandong property insurance industry in recent years, its social value and role has been affirmed and recognized by the government and regulatory authorities. However, we need using a dynamic perspective for the developments of objects, meanwhile, insurance fraud cases also have showed an upward trend, which disrupt the normal business activities of insurance. The insurance company’s social prestige and credibility is seriously challenged and criticized.The important feature of this thesis is making a systematic introduction to insurance fraud, the main purpose is prevention. Although the reasons for the formation of insurance fraud have both subjective and objectivity and there are some bad habits in society, some of the insured have weak legal awareness and ignore the law, to take the risk. The insurers own internal control is not strict or the insurer has engaged in fraudulent activities, these have constituted the main causes of Shandong property insurance market for insurance fraud. Therefore, the study of such problems is a systemic works. Regulatory authorities and law enforcement agencies make the practical measures, which eliminate the formation of various types of insurance fraud cases together and minimum the incident amount. These have great practical significance for the social security function of insurance company and protect the legitimate rights and interests of consumers.This article is composed of the following components:The first chapter introduces the background and practical significance. New forms of insurance fraud appear.the insurers are against the importance of these frauds. Especially it has introduced the innovation and the progress of this paper.The second chapter has raised to the level of theory, combined with the research theory, introduces the abroad research achievements about insurance fraud theory. This article describes the classification of reference.The third chapter introduces the development trend of anti fraud of foreign organizations and legal protection and domestic insurance anti fraud situation. Then the Shandong property insurance company insurance fraud and anti f raud were introduced.The fourth chapter the author has based on his own investigation work asthe analysis of the focus in the Shandong area insurance fraud, which involved. Common kinds of insurance fraud is introduced in detail.The fifth chapter has combined the research results of the above four chapters, and putted forward some countermeasures for each link of fraud on the Shandong property insurance company from the concrete operation feasibility as the starting point.The sixth chapter emphasizes the insurance fraud and anti fraud needs the entire social participation, to achieve an ideal effect; therefore the fight against insurance fraud is a systematic, long-term process.In conclusion, this thesis has introduced and analyzed the theory and the present situation of insurance fraud, Combined with the specific fraud case form and the solutions and countermeasures of insurance fraud from the perspective of operation.This paper is studying on the Shandong property insurance to accurately identify fraud, strengthen prevention, which plays an important role in the maintenance of normal market order. In this paper, the practical value is to enhance and strict internal control system of property insurance companies for strengthening accountability. Both the insurance managers and investigators of the case still have a very great help.