保险欺诈风险与分类监管对策  

Insurance Fraud Risk and Approaches to Classification Regulation

作　　者：刘轶[1,2] LIU Yi(1. School of Economics, Hebei University, Baoding 071002, Hebei , China ; 2. School of Law, the National Police University for Criminal Justice, Baoding 071000, Hebei , China)

机构地区：[1]河北大学经济学院,河北保定071002 [2]中央司法警官学院法学院,河北保定071000

出　　处：《征信》2018年第2期68-74,共7页Credit Reference

基　　金：中国法学会2017年度部级法学研究课题(CLS(2017)D88);中国保监会2017年度课题(CIRCRP2017-021);2017年度河北省社会科学发展研究课题(201704020102)

摘　　要：对保险欺诈行为的管控是保险市场行为监管的重要内容。对保险欺诈实施监管首先要做好欺诈识别和欺诈风险评估工作,前提是对保险欺诈行为做出准确的界定和分类。对不同种类的欺诈行为采取针对性的监管措施,对不同动机、心理的行为人产生有效的激励和约束。通过对保险欺诈行为归类和风险测评,并借鉴美国保险法中的如实告知制度,提出对保险欺诈分类监管的对策。For insurance fraud regulation, fraud identification and fraud risk assessment should be undertaken first. The premise is to make an accurate definition and classification of insurance fraud. It＇ s necessary to take specific regulatory measures against different kinds of fraud so as to have constraint and incentive effect upon behaviors with different motives and psychology. According to the classification and risk assessment of the insurance fraud, by drawing on the truthfully informing system in the USA insurance laws, we put forward the approaches to the classification and regulation of insurance fraud.

关 键 词：保险欺诈风险 保险监管 保险诉讼 如实告知义务 

分 类 号：F840.62[经济管理—保险]