Research On Government Supervision Of Commercial Insurance Fraud In H City

Commercial insurance fraud has always existed in the insurance industry.With the continuous development of China's commercial insurance industry,the problem of commercial insurance fraud is becoming more and more serious.And is often a commercial insurance fraud,is particularly need to focus on current problems,such as life insurance costs,vehicle insurance fraud cases,property insurance costs,as well as vehicle insurance fraud financial insurance fraud cases are more common in the current,the emergence of the above cases not only to the stable and sustainable development of insurance industry caused great negative impact,and the negative effect of social security is also cannot be ignored.In this context,the insurance industry and government departments have introduced relevant threshold guidelines,industry regulations and laws and regulations according to the actual situation,and the judicial organs have also strengthened their efforts in dealing with insurance fraud cases to crack down on illegal and criminal ACTS to the maximum extent.On the whole,with the active cooperation and continuous efforts of multiple departments.the achievements are remarkable,but there are still a series of problems to be faced.The insurance industry not only needs to deal with all kinds of insurance fraud crimes that have occurred,but also needs to realize the importance of government regulation for insurance fraud governance.In this study,literature research method,field research method and comparative analysis method were adopted to carry out relevant research on the supervision of commercial insurance fraud in H city.Firstly,domestic and foreign scholars' literature on insurance fraud and insurance regulation was collected to sort out and summarize the basic concepts and theoretical basis related to this research,so as to provide reliable theoretical support for this research.Then,based on the H city insurance industry development and regulation of insurance fraud investigation and analysis on the H city insurance industry,insurance regulation in H city,achieved to be sure,at the same time find out the current insurance fraud H city regulation of insurance company governance regulatory deficiencies,solvency regulation behind the development of the risk control requirements,regulatory lag behind the market new environmental requirements,lack of quantitative regulation and leads to the specific cause of each problem are analyzed.In order to better the combination of H city at present stage problems existing in the supervision of insurance fraud,by reference to domestic and foreign practical experience and achievements of insurance regulation,at the same time with reference to the H city insurance fraud regulatory issues related to specific causes,put forward by strengthening the construction of the local insurance regulators themselves,establish and improve the local insurance regulation system,promote the anti-fraud mechanism and"regulatory+technology" platform construction,introduce the social public collaborative insurance regulation measures,such as to further promote H city insurance fraud supervision work ability and level,expect to insurance fraud prevention and control to provide certain reference and reference.