Construction And Application Of Motor Vehicle Insurance Fraud Risk Assessment Model

With the continuous development of the economy,the people’s material level has risen,and houses,cars and other materials have increasingly become indispensable necessities in people’s lives.Traffic accidents are inevitable when there are motor vehicles,and the property losses and life casualties caused by traffic accidents are increasing day by day.At this time,the function of motor vehicle insurance as a stabilizer is played.On the one hand,the compulsory motor vehicle traffic accident liability insurance has a constraint on every motor vehicle driver in terms of system and law,so that motor vehicle drivers can be more vigilant when driving,develop good driving habits,and reduce the harm to society;on the other hand,motor vehicle commercial insurance provides compulsory motor vehicle traffic accident liability insurance.The insurance has been supplemented to make up for and compensate for the risks in traffic accidents to the greatest extent,reduce the loss of the target and the injured as much as possible,provide economic compensation for the disabled injured,and reduce the impact of the traffic accident on the normal life of the injured and their families.At the same time,according to the statistics of the National Bureau of Statistics,as motor vehicle insurance,which accounts for more than 60% of the premium income of property insurance companies,it is the most important part of the premium income of property insurance companies.However,since the emergence of motor vehicle insurance,motor vehicle insurance fraud has been in a state of repeated prohibition,encroaching on the economic interests of most of the insured,endangering the long-term stability of society,and posing a relatively large threat to the national economy.Therefore,according to the actual operation and claim settlement of the insurance company,it is of great significance to propose effective solutions to the risk factors and problems existing in the construction and application of the motor vehicle insurance fraud risk model.This paper analyzes in detail the background and significance of China’s motor vehicle insurance claims and anti-fraud,carefully studies the materials of domestic and foreign scholars on motor vehicle insurance fraud and fraud risks,and builds the basic framework for paper writing while obtaining clear research content and research methods from the research of predecessors.On the basis of the construction of the basic framework,the relevant concepts of motor vehicle insurance fraud and fraud risk and the theoretical basis of insurance fraud are introduced in detail.At the same time,the development status of motor vehicle insurance in China,the claim data and claim settlement status of motor vehicle insurance companies,as well as the status of motor vehicle insurance fraud and the current situation of motor vehicle insurance The real data chart of vehicle insurance,motor vehicle insurance claim settlement and motor vehicle insurance fraud is analyzed.On the basis of this analysis,the hierarchical analysis method is applied to build a motor vehicle insurance fraud risk assessment model.At the same time,the actual claim settlement data of XX company is analyzed to better build risk level confirmation standards and apply motor vehicles.Vehicle insurance fraud risk assessment model service.However,there are some obvious shortcomings in the paper,which are mainly reflected in: First,the title of the paper is the study of the risk of motor vehicle insurance fraud,but in the actual process of collecting data,only the relevant data of insurance companies’ claims settlement and claim fraud are obtained;second,the data support of the paper is insufficient,and it is lacking as an illustration of The official data of the government on the current situation of fraud.When analyzing the current situation of motor vehicle insurance,the paper analyzes the current situation of motor vehicle insurance fraud based on the types of fraud and the actual problems encountered in the business process.Third,in the whole writing process of the paper,the application of text expression,professional vocabulary,etc.is not very accurate,professional Literacy needs to be improved.Due to the confidentiality requirements of XX company’s data and information and the limitations of the research in this article,this paper only uses XX company’s actual claim settlement data when building a motor vehicle insurance fraud risk assessment model,and randomly selects XX company’s 100 motor vehicle insurance claims to evaluate the built motor vehicle insurance fraud risk.The application analysis of the model confirms that the fraud risk assessment model of the hierarchical analysis method is relatively highly applicable and has the value and significance of realistic promotion and use.Combined with the content learned and problems found in the learning process of XX company and the current situation of domestic anti-fraud,it is proposed to improve relevant laws and regulations and increase fraud penalties;broaden the scope of publicity and education,and be highly vigilant against fraud;strengthen the company’s internal management and improve risk prevention capabilities;strengthen inter-industry cooperation and establish The anti-fraud information platform puts forward four suggestions and puts forward prospects for the promotion and realization of China’s anti-fraud work.