汽车保险理赔中的欺诈与防范  

Automobile Insurance Claims: The Fraud and Its Prevention

作　　者：白玉[1] BAI Yu(School of Mechanical and Vehicle Engineering,Changzhou institute of Technology,Changzhou 213032)

机构地区：[1]常州工学院机械与车辆工程学院,江苏常州213032

出　　处：《常州工学院学报》2018年第3期53-56,共4页Journal of Changzhou Institute of Technology

摘　　要：保险欺诈危害保险业的健康发展。我国汽车保险业发展迅猛,但车险业的赔付率居高不下,达到或超过行业公认的55%安全线,其中汽车保险理赔中的欺诈是重要原因之一。对汽车保险业的经营现状进行分析、梳理,规范了汽车保险的理赔流程。对典型的易于发生欺诈的故障车现场查勘及定损进行研究,分析了典型欺诈案例以及AI新技术在防车险欺诈中的应用,提出预防汽车保险理赔中的欺诈行为的措施,以促进汽车保险市场的健康发展。Insurance fraud threatens the healthy development of the insurance industry. China＇s auto insurance industry is developing rapidly,but the auto insurance industry＇s claims ratio remains high,meeting or exceeding the industry＇s recognized 55% safety line,among which fraud in auto insurance claims is one of the important reasons. This paper analyzes and scrutinizes the present situation of the automobile insurance industry,standardizes the automobile insurance claims process,conducts a research on the typical fraud-prone fault vehicle on-site survey and damage,analyzes the typical fraud cases and proposes an application of the newAI technology in the auto insurance. The paper puts forward some measures to prevent fraud in auto insurance claims,hoping to promote the healthy development of the auto insurance market.

关 键 词：汽车保险 理赔 保险欺诈 风险防范 道德风险 

分 类 号：F840.634[经济管理—保险] F840.47