| Motor vehicle insurance occupies a crucial position in the business of property insurance companies,and the operating status of motor vehicle insurance directly affects the business results of property insurance companies.With the rapid development of China’s automobile industry,motor vehicle insurance has also flourished,but the high cost of claims has become an important factor restricting the healthy development of property insurance companies.From various data statistics,the risk of vehicle insurance fraud is the main reason for the excessive pressure on vehicle insurance operations.Therefore,the establishment of a fraud risk prevention and control system for car insurance is of great significance for the healthy and stable operation and development of property insurance companies.This article takes A Insurance NX Branch as the research object,and based on the current research status of car insurance fraud risk prevention and control at home and abroad,studies the optimization of the car insurance fraud risk prevention and control system of A Insurance NX Branch.Based on the current situation,research methods such as data analysis and interviews with key positions in the company’s internal fraud risk prevention and control have been used to summarize issues such as insufficient organizational capacity,non-standard management systems,obstacles in fraud risk management processes,and poor communication with external partners.Taking this as the focus and combining with the actual situation,the problems were sorted and analyzed.Based on the COSO risk management framework tool,optimization measures for the A Insurance NX Company’s car insurance fraud risk prevention and control system were proposed from four aspects:optimizing the fraud risk prevention and control organization,optimizing management systems,optimizing management processes,and optimizing external cooperation.Finally,the guarantee conditions for optimizing the car insurance fraud risk prevention and control system are summarized from four aspects:organizational culture,work motivation,service system,and technical application.This provides a theoretical basis for the optimization of the car insurance fraud risk prevention and control system of A Insurance NX Branch,thereby enhancing its ability to resist car insurance fraud risks.At the same time,it is also expected that this study will serve as a reference and reference for the fraud risk prevention and control of other insurance companies in the industry. |
