Research On Large Data Of Anti-fraud Intelligent Application In Motor Vehicle Insurance

With the continuous improvement of China's national power,the yearly increased living standards and the rapid development of the automotive industry,the number of domestic motor vehicles is increasing day by day.But the coming problem is the yearly increased traffic accident incidence,which causing great property loss.Based on the development of motor vehicles,the motor vehicle insurance industry is not only an effective guarantee for the normal operation of national life,but also an important part of social economy.According to correlative data,auto insurance has become an important business pillar of insurance companies,accounting for more than 70% of the income of property insurance companies,becoming an important source of insurance company premium income.The growth of interest comes with the steadily increasing of auto insurance frauds,even forming some characteristics like gang crimes and fraud industrialization.The increase in motor vehicle insurance fraud cases limits the development of the auto insurance industry,wasted social development resources and created certain challenges to the social order.Although the insurance industry attaches great importance to this,the traditional anti-fraud methods concentrate on the shortcomings of on-the-spot investigation,single evidence collection and easy invasion of identification links,which is very unfavorable to actual operation and efficiency improvement of anti-Insurance fraud.Therefore,finding a breakthrough to solve the persistent ailment of motor vehicle insurance fraud has become an important subject for various insurance companies.On the basis of reviewing the literature about insurance fraud at home and abroad,this paper discusses the current situation and characteristics of anti-fraud in motor vehicle insurance,analyses the advantages and feasibility of big data in anti-fraud work of motor vehicle insurance,designs a big data anti-fraud system for motor vehicle insurance and it has certain reference significance for anti-fraud work in automobile insurance industry.And puts forward some suggestions based on the difficulties in anti-fraud work of motor vehicle insurance based on big data,such as improving the legal system,optimizing industry data standards and establishing large cross-industry databases.The innovation of this paper lies in: firstly,the innovation of research perspective,study anti-fraud of vehicle insurance from the perspective of big data and artificial intelligence technology;secondly,the innovation of research methods,design a large data intelligent anti-fraud system,which is conducive to the efficient identification of automobile insurance fraud cases.In addition,according to the difficulties of big data in anti-fraud work,this paper puts forward corresponding countermeasures and suggestions,which have both theoretical and practical guiding significance.