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1、哈尔滨工业大学高级管理人员工商管理硕士学位论文AbstractSinceitsreformandopeninguptotheworld,China'sinsuranceindustryhasmadeconsiderableprogress.Whetherindimensionofthefieldorinthesubjectoftheinsurancemarket,whetherinthelegalsystemconstructionandsupervision,ithasachievedanun
2、precedenteddevelopment.However,withtheincreasinglyharshglobaleconomicintegrationandcompetitionintheindustry,"insurancefraud",amalignanttumorinsymbiosiswiththeinsurancehasbecomethe"landmines"thattheinsuranceindustryhastowatchoutandbecarefulofallthetim
3、e.Non-compliancewiththeprincipleofgoodfaith,deliberatelyconcealingthetruesituation,inducingtheinsurers,thedeliberatecreationofinsuranceaccidents,etchappeneverywhereinreality.Insurancefraud,whichcreatesseriousdamagetotheinsuranceindustry'shealthydevel
4、opmentandsocialharmonyandstability,mustbeputunderstrictguard.Toidentifyandcombatinsurancefraudseffectivelyhasbecomeanimportantissuefortheinsuranceindustrytocopewith.ThispaperfirstsummarizestheoriginoftheinsuranceandreviewsthedevelopmentofChina'sinsur
5、anceindustry.ItdescribesthestatusofinsurancefraudforsomedevelopedcountriesandChinaandrevealsthegrimrealityoffraud.Second,applyingtheeconomicstheoryofadverseselectionandmoralhazard,itanalyzesTaikangLifeInsurance2009’sexclusionsandfindsoutseveralkeypoi
6、ntsoftheinsuranceriskcontrol.Throughactualcasestudiesanddrawingonadvancedanti-fraudexperience,itfindstherelevantlaw.Next,accordingtothestatusquoofTaikangLifeInsuranceHeilongjiangBranch,itputsforwardrelevantproposalstodealwithinsurancefraud,includingm
7、edicalsupervision,contractpost-survey,dataanalysisandclaimsteambuilding.Atlast,itlooksaheadatthefutureoftheanti-insurancefraud.Itadvocatestheestablishmentoftheanti-fraudplatform,thethird-partyintervention,andtheinnovativeapplicationofnewtechnicalmean
8、s.ThispaperprovidescertainguidanceandservesasameaningfulreferenceforTaikangLifeInsuranceHeilongjiangBranchtodealwithinsurancefraud.Ithasrealisticvalueforlifeinsuranceindustrytodefenditssocialvalueand-II-哈尔滨工业大学高级管理人员工商管理硕士学位论文protectitselfagainstfrau
