| Our country’s current economic development has entered a new stage,and people’s quality of life has also reached a new level.As an important means of transportation for production and life,automobiles play an increasingly important role.From the data released by the Ministry of Public Security and the Ministry of Transportation,it can be found that by 2021,the number of motor vehicles in my country has reached an unprecedented 395 million,ranking first in the world and continuing to grow.A large number of motor vehicles are widely used in life,production and transportation,which also drives the rapid development of auto insurance business.According to data released by the China Banking and Insurance Regulatory Commission at the end of 2021,the total insurance premiums of auto insurance nationwide are 777.3 billion yuan,accounting for more than 60% of the overall property insurance business income.Under the influence of various factors such as the comprehensive reform of auto insurance,the scale of auto insurance premiums has decreased compared with 2020.However,it is foreseeable that for a long period of time in the future,auto insurance will still be the "pillar insurance" of various property insurance companies.Whether the auto insurance section is properly operated will directly affect the income of the entire insurance company.With the development of the auto insurance business,there is also the increasing frequency of auto insurance fraud.According to the estimates of the my country Insurance Industry Association,10%-20% of the annual auto insurance claims in the country belong to auto insurance fraud,which not only seriously affects the healthy development and sustainable operation of auto insurance companies,but also jeopardizes the establishment of social integrity norms.As early as 2014,China has become a big country in auto insurance,and its auto insurance market premium scale ranks second in the world,second only to the United States.Since the motor vehicle insurance market started late and developed rapidly,both at the theoretical research level and the practical operation level,the occurrence mechanism and anti-fraud mechanism and system design of our country’s motor vehicle insurance are issues worthy of attention and solutions.From the perspective of the practical operation of auto insurance anti-fraud,foreign advanced countries mainly use data analysis to sort out the relevant data of auto insurance fraud in reality,and then use statistical methods to analyze and find out the factors that affect auto insurance fraud,and calculate the impact of each factor on fraud.After the impact of the case,a fraud case identification model is established,and finally high-risk auto insurance claim cases are mined.Therefore,this article mainly draws on the basic logic and methods of foreign theoretical research and practical solutions,analyzes the auto insurance business of X company,and proposes an anti-fraud mechanism design according to the statistical results.Firstly,this paper makes a theoretical discussion on auto insurance fraud from relevant economic theories such as information asymmetry theory and moral hazard theory,and expounds the relevant theories and risk management methods of insurance fraud research,so as to provide a theoretical basis for exploratory case analysis.Secondly,it sorts out the research results of domestic and foreign auto insurance fraud case identification and anti-fraud measures,expounds the meaning,types,dimensions and elements of insurance fraud and auto insurance fraud,and analyzes and evaluates the relevant research models.Third,this paper conducts an exploratory case analysis on the forms of motor vehicle insurance fraud of X property insurance company,and explores and discovers the main characteristic elements of X company’s motor vehicle insurance fraud cases.Fourth,it combines the actual cases of X Property and Casualty Insurance Company and my work experience in claim settlement of auto insurance companies to explore the factors for identifying the impact of auto insurance fraud in X Property and Casualty Insurance Company.This paper mainly uses the Logistic model to carry out a statistical analysis on the influencing factors of auto insurance fraud of X property insurance company,test and find the degree of strong and weak influence,and provide theoretical support for the information early warning of fraud cases.Finally,according to the analysis results of the aforementioned theoretical and practical data,the anti-fraud mechanism and system are designed from multiple perspectives such as claims settlement process and business screening to build the company’s risk early warning system.In order to reduce the auto insurance fraud cases of X Property and Casualty Insurance Company and squeeze the water in claims settlement,suggestions were made in terms of improving employee capabilities and strengthening cooperation with external forces,so as to provide institutional guarantee for the healthy and sustainable development of X Company. |
