保险公司违规风险分析——基于甘肃保监局行政处罚统计

Analysis of the Risk of Violation of the Insurance Company——Based on the Statistics of the Administrative Penalty of the Gansu Insurance Regulatory Bureau Supervision

保险公司违规会降低投保人投保热情、破坏市场竞争、加大监管难度和损坏行业形象。现阶段甘肃保监局行政处罚特点是设立分支机构未报告案件增加、编制虚假投保理赔信息案件重燃、谋取不当利益与编制虚假财务报表案件高发、从业证处罚案件消失,主要违规风险的发展趋势集中在车险理赔、农险投保、财务报表编制和设立分支机构。监管机构通过车险理赔事后回访、建立保险代理人抽检制度、签订三方报表审批制度、与工商局组建信息互通平台等措施可以有效预防违规风险的发生。

The violation of insurance companies will reduce the enthusiasm of the applicants,destroy the market competition,increase the difficulty of supervision and damage the image of the industry. At the present stage,the characteristics of administrative penaltyof the Gansu Insurance Regulatory Bureau are that the number of the unreported cases are increasing in the branch company,the cases of making up false insurance claims are reemerging,the cases of seeking improper interests and making up false financial statements cases occur fre.quently,and penalty cases of certificate are disappearing. In addition,the main development trends in the risk of violation focus on auto insurance claims,agricultural insurance,and the establishment of the financial statements and branch. The regulatory agencies can effectively prevent the occurrence of illegal risks through the subsequent visits to car insurance claims,the establishment of the insurance agent sampling system,the signature of the three party reporting system,and the establishment of information exchange platform with the industry and Commerce Bureau.