论文部分内容阅读
随着我国保险事业的发展 ,保险诈骗案件也呈上升趋势 ,主要特点是为骗取保险金而有预谋的投保 ,虚构保险标的 ;主要表现为带病投保 ,冒名顶替 ,伪造证明 ,扩大损失等 ,这些现象都影响了保险业的健康发展 ,成为对保险公司盈利构成威胁的最大因素之一。研究新形势下保险诈骗的特征 ,加强内控制度建设 ,加大查勘和执法力度 ,各部门齐抓共管 ,综合治理保险诈骗 ,是维护保险事业正常发展的重要保证。
With the development of China’s insurance industry, insurance fraud cases are also on the rise. The main features are premeditated insurance and fictitious insurance targets for the purpose of defrauding insurance premiums; the main features are sickness insurance, false imposition, false proof and expansion of losses, These phenomena all affect the healthy development of the insurance industry and become one of the biggest factors that threaten the profitability of insurance companies. Study the characteristics of insurance fraud in the new situation, strengthen the construction of internal control system, increase the intensity of investigation and law enforcement, all departments make concerted efforts to comprehensively manage insurance fraud, is an important guarantee to maintain the normal development of insurance.