The Insurance Intermediary Market Fraud Countermeasures Research

Insurance intermediary market, as an important branch of the market, insurance market play an important role in them, after years of development, the insurance intermediary market continues to increase the number of intermediaries and business scale expands unceasingly. But, at the same time in the development of the market also exposed some problems, as one of the most common is fraud, seriously hindered the development of insurance intermediary market, so the analysis and study on the insurance intermediary market fraud problems and puts forward some solutions, to reduce the intermediary market play a role of fraud. In this paper, in the first chapter introduces the research background and significance of the problem, research review, methods, contents, innovation and inadequate. On the basis of predecessors’ study, I first time from a number of research results are analyzed in theory in the view of integration, and the conclusion of the analysis combined with the reality put forward the Suggestions to solve the problem, and later in the chapter puts forward some countermeasures and methods more effective.The second chapter is in the first chapter narrates the background of insurance intermediary market based on the analysis of present condition of insurance intermediary market under the premise of analyzing the major way of fraud, this chapter first systematic analysis about the present situation of Chinese insurance intermediary market. Among them, the insurance agency accounted for the vast majority. After analyzing the insurance intermediary market present situation indicates the overall trend is good, but also hidden problems we must solve in time. Then analyzed the ethical problems in the insurance intermediary market, on the one hand is its own moral problems, on the other hand is the insurance intermediary institutions and insurance companies or insurant or policy-holder collusion; Then analyzes the main ways of fraud, mainly including three, misleading and deceptive and crime, the severity and harmfulness of the three form gradually increase, misleading aspect is to show policy-holder is thought to be able to claim do not claim; Deception is the insurance intermediary practitioners in the process of acquisition deliberately exaggerated the upside to policy-holder, avoid insurance exclusions, policy-holder insurance deceit. Crime is more bad, in the form of specific performance for the lack of professional ethics and illegal operation, harmful to consumers.Fraud in the second chapter puts forward the insurance intermediary market main ways, on the basis of the third chapter from the theory and model of multiple perspectives analysis problems of fraud, the insurance intermediary market from a regulatory point of view, the insurance intermediary system of laws and regulations and industry organization supervision system is not sound, lead to a flashpoint fraud; Will tell from the insurance company, insurance company for insurance intermediary business management, the insurance company devotion to share, and ignore the insurance intermediary violation operation; Will look from whole insurance sales system is also disadvantages, the insurance intermediary market as an emerging market, is at the early stage of development, and for corporate and personal barriers to entry are low, the overall quality is not high, also caused the emergence of the ethical issues; An insurance intermediary fraud crackdown is not enough, the judiciary regardless to its, turn a blind eye, add to the moral problems such as fraud; Moreover, the insurance intermediary in poor environment, compared with foreign, domestic insurance intermediary market have not, in the insurance market in a disadvantage position, also limits the development of the insurance intermediary market.Later, on the basis of an analysis of the model analysis of the reason, also is the reason from the Angle of quantitative analysis, to the real problem has a great guiding significance to explain and solve. Game theory analysis of the reason is information asymmetry, the punishment cost affects the size of the insurance intermediary institutions and the first commission is integrity management; Commission is actually punishing cost and initial pros and cons of fraud, from the Angle of the relationship between the size of the pros and cons analysis problem, very easy to understand, also more persuasive; Then the model analysis, centering on the insurance intermediary, build the model, similar to the game theory conclusions are drawn.Through the above chapters in the two aspects of qualitative and quantitative analysis, the fifth chapter gives some countermeasures insurance intermediary market fraud. This article points out, first should strengthen the people to the understanding of the insurance intermediary fraud harmfulness, let people have a certain amount of insurance intermediary fraud awareness; Secondly, moderately improve the insurance intermediary’s quality barriers to entry and strengthen insurance intermediary practitioners can radically reduce fraud problems; Finally, from the outside, we should improve the system of insurance intermediary market regulation, improve the development of the insurance intermediary market environment, create the insurance intermediary market credit system. Above conclusions are based on the present situation of the insurance intermediary market and the research of predecessors’ achievements, and on the basis of the insurance intermediary market fraud to reduce or solve has very important significance.The previous chapters, we from the multiple perspectives analysis reason, and gives some practical methods and Suggestions. The last chapter, we give some own view from the whole, we can see, if you want to resolved this problem, we need to the whole social members to participate, we need to do the participants of the society, and not to do social observer, contributing to the healthy development of insurance intermediary market in China.