车辆保险反欺诈研究

On Anti-Fraud in Vehicle Insurance

在当代社会人均可控资金量不断上升的趋势下,多数人开始逐渐将资金投放量转移到现有资产的稳定维护上,因此,近年间有关车险的办理数量正稳步提升。数额提升能够带动保险行业的发展,但在理赔过程中保险公司为了维护自身利益,也会针对一些反常保障行为进行提前认定,也就是业内所称的车辆保险反欺诈。应建立各方面通畅的反欺诈联动机制。

Under the trend of the constantly rising in controllable amount of per capita in modern society,most people begin to transfer the capital supply to the stable maintenance of existing assets,which thus leads to the steadily rising in the number of car insurance transaction in recent years.The increased amount can promote the development of the insurance industry.However,in the process of claim settlement,some insurance companies may take identification in advance on some abnormal assurance behaviors for the sake of maintaining their own interests,namely antifraud of vehicle insurance in vehicle of insurance.In this regard,the smooth anti-fraud linkage mechanism should be established.