打击保险“三假”的根本对策探讨——基于防范保险公司道德风险的角度

The Analysis of Hiting Insurance Fraudulence on the Angle of Keeping away Insurers' Moral Hazard

保险"三假"产生的主要原因是股东与保险公司高管、保险公司总部与分支机构、保险公司与营销员委托——代理关系产生的道德风险。打击"三假"的根本对策是防范保险公司及其营销员的道德风险。从保险公司来说,应加强内部控制;从委托人角度来说,应建立科学的奖惩体制;从监管部门来说,应改进对保险公司的考核指标,对违规行为采取"零容忍"制度,建立保险公司信用指数和保险从业人员的征信系统;引进第三方协助监管。

The main reason of insurance fraudulence is the moral hazard of all participants in insurance markets on the background of trust agent agreement.The essential countermeasure to hit insurance fraudulence is to take strict precautions against the moral hazard of insurance company and its agents.The insurance company should strengthen the internal control,the CIRC should improve the current merit system and take the zero tolerance system to punish the irregular behavir.Besides that,the CIRC should establish credit index in insurace industry and ask help to the independent expert so that can detect insurance fraudulence accurately and quickly.