保险欺诈风险与分类监管对策

Insurance Fraud Risk and Approaches to Classification Regulation

对保险欺诈行为的管控是保险市场行为监管的重要内容。对保险欺诈实施监管首先要做好欺诈识别和欺诈风险评估工作,前提是对保险欺诈行为做出准确的界定和分类。对不同种类的欺诈行为采取针对性的监管措施,对不同动机、心理的行为人产生有效的激励和约束。通过对保险欺诈行为归类和风险测评,并借鉴美国保险法中的如实告知制度,提出对保险欺诈分类监管的对策。

For insurance fraud regulation, fraud identification and fraud risk assessment should be undertaken first. The premise is to make an accurate definition and classification of insurance fraud. It＇ s necessary to take specific regulatory measures against different kinds of fraud so as to have constraint and incentive effect upon behaviors with different motives and psychology. According to the classification and risk assessment of the insurance fraud, by drawing on the truthfully informing system in the USA insurance laws, we put forward the approaches to the classification and regulation of insurance fraud.