保险业反保险欺诈法律问题研究
发布时间：2018-11-17 15:48
【摘要】：现代保险是由古代的巴比伦和腓尼基的船货抵押借贷思想逐渐演化而来的。1384年在佛罗伦萨诞生了世界第一份具有现代意义的保险单。在这张保单中有明确的保险标的、明确的保险责任,如海难事故,其中包括船舶破损、搁浅、火灾、或沉没造成的损失或伤害事故。保险是人类运用科学原理由大多数人分摊少数人损失的一种风险转移机制,风险共担、损失共摊、互利互惠是保险制度的基石。保险的这种风险转移机制从整体上提高了人们对于风险事故的承受能力,对于保障社会经济稳定运行以及人民生活安定发挥了重大作用。但是保险业的发展并不是一帆风顺的,伴随着保险业的壮大而一路发展起来的保险欺诈,已经给保险业的生存带来了严重的威胁。我国《刑法》与《保险法》等相关法律规范中虽然对于保险欺诈行为进行了一系列的立法规定,但法律本身的滞后性以及法律规范设计上所存在的漏洞,使得这些法律法规根本无法发挥其作用,也无法从根本上杜绝保险欺诈。本文着重研究了欧美反保险欺诈立法与运行机制的特征,并进行了分析和归纳得出反保险欺诈的启示,他山之石可以击玉,这些启示对我国保险业反欺诈起到了借鉴的作用并提出了相应的完善建议。 本文主要分为三个部分,文章的第一部分集中分析了保险欺诈与反欺诈的概念,涉及到保险欺诈的基本特征、主要形式和保险欺诈的危害。第二部分重点分析了欧美反保险欺诈立法与运行机制的特征及启示,其中侧重分析了美、英两国的立法和司法特征；剖析了澳大利亚的司法与执法体系；同时归纳了国际组织在国际反保险欺诈方面的作用。文章的第三部分也是最后章节提出了我国反保险欺诈存在的问题和完善我国保险业反欺诈的建议。以期从完善相关立法,为反保险欺诈提供法制保障；充分发挥监管部门在反保险欺诈中的作用；建立健全的保险机构内控体系；成立特殊的反保险欺诈调查机构；搭建保险欺诈信息平台；加强国际合作,共同打击保险欺诈犯罪等多个方面着手,在我国建立起一整套系统完善的针对保险欺诈行为的防范措施,从而在根本上达到遏制保险欺诈目的。
[Abstract]:Modern insurance evolved from the ancient Babylonian and Phoenician mortgage lending ideas. In 1384, the world's first insurance policy of modern significance was born in Florence. In this policy there is a clear subject matter of insurance, a clear liability for insurance, such as a maritime accident, which includes damage to a ship, grounding, fire, or sunken loss or injury. Insurance is a kind of risk transfer mechanism in which most people share the losses of a few people by using the scientific principle, the risk is shared and the losses are shared, and mutual benefit is the cornerstone of the insurance system. The risk transfer mechanism of insurance improves people's ability to bear risks and accidents, and plays an important role in ensuring the stable operation of social economy and people's life. However, the development of the insurance industry is not smooth, along with the expansion of the insurance industry and the development of insurance fraud, has brought a serious threat to the survival of the insurance industry. Although there are a series of legislative provisions on insurance fraud in the relevant legal norms such as the Criminal Law and the Insurance Law in China, the lag of the law itself and the loopholes in the design of the legal norms exist. These laws and regulations simply can not play its role, can not fundamentally eliminate insurance fraud. This paper focuses on the characteristics of legislation and operation mechanism of anti-insurance fraud in Europe and America, and analyzes and summarizes the enlightenment of anti-insurance fraud. These revelations have played a reference role in anti-fraud of insurance industry of our country and put forward the corresponding consummation suggestion. This paper is divided into three parts. The first part focuses on the analysis of the concept of insurance fraud and anti-fraud, involving the basic characteristics of insurance fraud, the main forms and the harm of insurance fraud. The second part focuses on the analysis of the characteristics and implications of the legislation and operation mechanism of anti-insurance fraud in Europe and the United States, including the legislative and judicial characteristics of the United States and the United Kingdom, and the judicial and law enforcement system of Australia. At the same time, the role of international organizations in international anti-insurance fraud is summarized. The third part is the last chapter and puts forward the problems of anti-insurance fraud in our country and the suggestions to perfect the anti-fraud of insurance industry in our country. In order to improve the relevant legislation, provide legal protection for anti-insurance fraud; give full play to the role of regulatory authorities in anti-insurance fraud; establish a sound internal control system of insurance institutions; set up a special anti-insurance fraud investigation body; Build insurance fraud information platform; Strengthening international cooperation, cracking down on insurance fraud crime and other aspects, we have established a set of systematic and perfect preventive measures against insurance fraud in our country, so as to achieve the goal of curbing insurance fraud fundamentally.
【学位授予单位】：上海社会科学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.284;D924.3
本文编号：2338352
[Abstract]:Modern insurance evolved from the ancient Babylonian and Phoenician mortgage lending ideas. In 1384, the world's first insurance policy of modern significance was born in Florence. In this policy there is a clear subject matter of insurance, a clear liability for insurance, such as a maritime accident, which includes damage to a ship, grounding, fire, or sunken loss or injury. Insurance is a kind of risk transfer mechanism in which most people share the losses of a few people by using the scientific principle, the risk is shared and the losses are shared, and mutual benefit is the cornerstone of the insurance system. The risk transfer mechanism of insurance improves people's ability to bear risks and accidents, and plays an important role in ensuring the stable operation of social economy and people's life. However, the development of the insurance industry is not smooth, along with the expansion of the insurance industry and the development of insurance fraud, has brought a serious threat to the survival of the insurance industry. Although there are a series of legislative provisions on insurance fraud in the relevant legal norms such as the Criminal Law and the Insurance Law in China, the lag of the law itself and the loopholes in the design of the legal norms exist. These laws and regulations simply can not play its role, can not fundamentally eliminate insurance fraud. This paper focuses on the characteristics of legislation and operation mechanism of anti-insurance fraud in Europe and America, and analyzes and summarizes the enlightenment of anti-insurance fraud. These revelations have played a reference role in anti-fraud of insurance industry of our country and put forward the corresponding consummation suggestion. This paper is divided into three parts. The first part focuses on the analysis of the concept of insurance fraud and anti-fraud, involving the basic characteristics of insurance fraud, the main forms and the harm of insurance fraud. The second part focuses on the analysis of the characteristics and implications of the legislation and operation mechanism of anti-insurance fraud in Europe and the United States, including the legislative and judicial characteristics of the United States and the United Kingdom, and the judicial and law enforcement system of Australia. At the same time, the role of international organizations in international anti-insurance fraud is summarized. The third part is the last chapter and puts forward the problems of anti-insurance fraud in our country and the suggestions to perfect the anti-fraud of insurance industry in our country. In order to improve the relevant legislation, provide legal protection for anti-insurance fraud; give full play to the role of regulatory authorities in anti-insurance fraud; establish a sound internal control system of insurance institutions; set up a special anti-insurance fraud investigation body; Build insurance fraud information platform; Strengthening international cooperation, cracking down on insurance fraud crime and other aspects, we have established a set of systematic and perfect preventive measures against insurance fraud in our country, so as to achieve the goal of curbing insurance fraud fundamentally.
【学位授予单位】：上海社会科学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.284;D924.3
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