中银保险车险欺诈风险管理研究
发布时间：2018-07-22 21:33
【摘要】：随着国民收入的不断提高,我国汽车保有量逐年上升,机动车保险行业也随之得到快速发展,机动车保险已经逐渐成为与国民生活密不可分的险种。中银保险公司是一家主要经营车险业务的财产保险公司,虽然近几年来车险保费收入和公司规模保持着快速增长的趋势,但是公司的经营效益和利润却呈现了负增长的态势。车险费率的改革导致车险车损险费率下降明显,同时保险公司住处的赔付成本却在不断上升,使中银保险公司的车险业务的利润受到双重挤压。2015年末中银保险车险的综合成本率达到了 103.25% ,较去年上升了 1.62个百分点,车险业务持续连年亏损走势。根据中银保险历年的数据分析来看导致中银保险连年亏损局面的因素除了车险费率改革、承保手续费上升、进口车辆赔付成本上升、车险业务结构不合理和国家死亡伤残标准提高外,车险欺诈案件的持续增多也是个主要原因。中银保险公司也已经开始认识到车险欺诈的危害性,并针对车险欺诈采取了一系列的管控措施,但受制于公司规模、人员素质、重视程度等多重因素并没有建立起一套完整和行之有效的车险欺诈案件的管控机制,车险反欺诈工作结果并不理想。本为旨在结合欧美、日韩等车险行业起步较早的发达国家的机动车保险欺诈的风险管理方法和研究,总结出一套适合中银保险公司的机动车保险欺诈风险管理方案。首先论述了机动车保险欺诈的相关研究理论及学说,并分析了车险欺诈的形成原因、表现方式和危害。其次阐述了目前中银保险车险业务经营现状及针对车险欺诈采取的一系列的管控措施,并分析了中银保险车险欺诈管理中存在的问题和不足。再次,从完善公司架构、建立欺诈识别模型、构建车险欺诈预警系统、总结打击车险欺诈方法四个方面设计了一套适合中银保险公司的车险欺诈风险管理方案。最后,针对车险欺诈管理方案总结了一系列的保障措施和手段以保证管理方案的顺利实施。车险欺诈的猖獗不仅扰乱了保险公司正常的车险经营,同时也侵害了其他合法投保人的正当利益,对我国车险行业的健康稳定发展产生了严重的阻碍。车险业务在中银保险的业务占比中占有绝对的份额,所以建立一套行之有效的适合中银保险公司的机动车保险欺诈风险管理方案对降低中银保险的赔付率、综合成本率进而实现车险业务经营利润意义重大。
[Abstract]:With the continuous improvement of national income, the amount of automobile ownership in China has increased year by year, and the motor vehicle insurance industry has also developed rapidly. The motor vehicle insurance has gradually become an inseparable danger to the national life. The company's scale is growing fast, but the company's profit and profit show a negative growth trend. The reform of the car insurance rate has led to the decrease of the rate of vehicle insurance and the cost of the insurance company's settlement, which makes the profit of the insurance company's car insurance business double squeezed.2015 At the end of the year, the comprehensive cost rate of China silver insurance car insurance reached 103.25%, up 1.62 percentage points from last year, and the car insurance business continued to lose the trend in successive years. According to the data analysis of China silver insurance over the years, the factors that lead to the continuous loss situation of China silver insurance are in addition to the reform of the car insurance rate, the increase of the insurance fee and the cost of the import vehicles. In addition, the increasing number of car insurance fraud cases is also the main reason. China bank insurance company has also begun to recognize the harmfulness of car insurance fraud, and take a series of control measures against car insurance fraud, but it is subject to the scale of the company, the quality of personnel, and the degree of attention. Multiple factors do not set up a complete and effective control mechanism for car insurance fraud cases, and the results of auto insurance against fraud are not ideal. This is a risk management method and Research on motor vehicle insurance fraud in developed countries, which are aimed at the earlier developed countries, such as Europe and America, Japan and South Korea. The company's motor vehicle insurance fraud risk management scheme first discusses the related research theory and theory of motor vehicle insurance fraud, and analyzes the causes of the formation, expression and harm of car insurance fraud. Secondly, it expounds the current situation of the business operation of the insurance car insurance and a series of measures and control measures for the vehicle insurance fraud. The problems and shortcomings exist in the insurance fraud management of China silver insurance. Thirdly, from the improvement of the company structure, the establishment of fraud identification model, the construction of the car insurance fraud early warning system, and the four aspects of the method of combating the car insurance fraud, a set of risk management scheme is designed suitable for the insurance company of China silver insurance company. A series of safeguard measures and means are put forward to ensure the smooth implementation of the management scheme. The rampant fraud of vehicle insurance not only disrupts the normal operation of insurance companies, but also infringes on the legitimate interests of other legal insurers, and has seriously hindered the healthy and stable development of the car insurance industry in China. It is of great significance to establish a set of effective risk management scheme for the insurance fraud of China silver insurance company to reduce the rate of indemnity of China silver insurance and the comprehensive cost rate and then realize the operation profit of car insurance business.
【学位授予单位】：西安理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284;F842.634
本文编号：2138640
[Abstract]:With the continuous improvement of national income, the amount of automobile ownership in China has increased year by year, and the motor vehicle insurance industry has also developed rapidly. The motor vehicle insurance has gradually become an inseparable danger to the national life. The company's scale is growing fast, but the company's profit and profit show a negative growth trend. The reform of the car insurance rate has led to the decrease of the rate of vehicle insurance and the cost of the insurance company's settlement, which makes the profit of the insurance company's car insurance business double squeezed.2015 At the end of the year, the comprehensive cost rate of China silver insurance car insurance reached 103.25%, up 1.62 percentage points from last year, and the car insurance business continued to lose the trend in successive years. According to the data analysis of China silver insurance over the years, the factors that lead to the continuous loss situation of China silver insurance are in addition to the reform of the car insurance rate, the increase of the insurance fee and the cost of the import vehicles. In addition, the increasing number of car insurance fraud cases is also the main reason. China bank insurance company has also begun to recognize the harmfulness of car insurance fraud, and take a series of control measures against car insurance fraud, but it is subject to the scale of the company, the quality of personnel, and the degree of attention. Multiple factors do not set up a complete and effective control mechanism for car insurance fraud cases, and the results of auto insurance against fraud are not ideal. This is a risk management method and Research on motor vehicle insurance fraud in developed countries, which are aimed at the earlier developed countries, such as Europe and America, Japan and South Korea. The company's motor vehicle insurance fraud risk management scheme first discusses the related research theory and theory of motor vehicle insurance fraud, and analyzes the causes of the formation, expression and harm of car insurance fraud. Secondly, it expounds the current situation of the business operation of the insurance car insurance and a series of measures and control measures for the vehicle insurance fraud. The problems and shortcomings exist in the insurance fraud management of China silver insurance. Thirdly, from the improvement of the company structure, the establishment of fraud identification model, the construction of the car insurance fraud early warning system, and the four aspects of the method of combating the car insurance fraud, a set of risk management scheme is designed suitable for the insurance company of China silver insurance company. A series of safeguard measures and means are put forward to ensure the smooth implementation of the management scheme. The rampant fraud of vehicle insurance not only disrupts the normal operation of insurance companies, but also infringes on the legitimate interests of other legal insurers, and has seriously hindered the healthy and stable development of the car insurance industry in China. It is of great significance to establish a set of effective risk management scheme for the insurance fraud of China silver insurance company to reduce the rate of indemnity of China silver insurance and the comprehensive cost rate and then realize the operation profit of car insurance business.
【学位授予单位】：西安理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284;F842.634
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