保险行业协会反保险欺诈功能研究

发布时间：2018-04-26 16:46

本文选题：反保险欺诈 + 保险行业协会　；参考：《广东财经大学》2013年硕士论文

【摘要】：伴随着我国保险业的迅速发展，保险欺诈现象越来越猖獗。保险欺诈是保险业的一颗“毒瘤”，侵害保险消费者利益、侵蚀保险机构效益甚至危害保险业的健康发展。因此，反保险欺诈是保险市场健康发展必须面对的挑战。保险行业组织作为反保险欺诈中独特而重要的主体，其作用不容忽视。事实上，我国保险行业协会未能完全发挥其应有的反欺诈职能，很多方面值得改善。而境外保险市场的反保险欺诈机制已经积累了较成熟的经验，研究并借鉴境外相关保险行业组织反保险欺诈的有效做法是有益而且必要的。本文研究了美国、英国和台湾地区的保险行业组织反保险欺诈的措施，借鉴它们在促进立法、信息交流和共享平台建设、公众宣传教育、反保险欺诈联盟等方面的经验做法，，有助于我国保险行业协会反保险欺诈机制建设。紧接着，在比较分析的基础上，本文提出并论证了保险行业协会在推动和完善反保险欺诈法制建设方面、发挥反保险欺诈的组织功能方面、以及发挥反保险欺诈信息平台功能方面的总体构想和具体措施。
[Abstract]:With the rapid development of China's insurance industry, insurance fraud is becoming more and more rampant. Insurance fraud is a cancer of the insurance industry, which infringes the interests of insurance consumers, erodes the benefits of insurance institutions and even harms the healthy development of the insurance industry. Therefore, the anti-insurance fraud is the insurance market healthy development must face the challenge. As a unique and important subject in anti-insurance fraud, the role of insurance industry organization can not be ignored. In fact, the insurance industry association of our country can not give full play to its function of anti-fraud, and many aspects deserve to be improved. However, the anti-insurance fraud mechanism of overseas insurance market has accumulated more mature experience, so it is beneficial and necessary to study and learn from the effective methods of anti-insurance fraud in overseas insurance industry organizations. This paper studies the anti-insurance fraud measures of the insurance industry organizations in the United States, the United Kingdom and Taiwan, and draws on their experience in promoting legislation, information exchange and sharing platform, public education, anti-insurance fraud alliance, and so on. Help our country insurance industry association anti-insurance fraud mechanism construction. Then, on the basis of comparative analysis, this paper puts forward and demonstrates that the insurance industry association in promoting and improving the legal construction of anti-insurance fraud, give play to the organizational function of anti-insurance fraud. As well as giving play to the function of anti-insurance fraud information platform overall concept and specific measures.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842-26

【参考文献】