保险欺诈风险的风险管理指引.pdf

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1、MonetaryAuthorityofSingaporeINSURANCEBUSINESS-INSURANCEFRAUDRISKNovember2007GUIDELINESONRISKMANAGEMENTPRACTICESFORINSURANCEBUSINESSNOVEMBER2007-INSURANCEFRAUDRISKGUIDELINESONRISKMANAGEMENTPRACTICESFORINSURANCEBUSINESS-INSURANCEFRAUDRISKMONETARYAUTHORITYOFSINGAPOREGUIDELINESO

2、NRISKMANAGEMENTPRACTICESFORINSURANCEBUSINESSNOVEMBER2007-INSURANCEFRAUDRISKTABLEOFCONTENTS1INTRODUCTIONANDFUNDAMENTALS1.1Introduction......................................................................................11.2Fundamentals........................................

3、...........................................12RISKMANAGEMENTFRAMEWORK2.1Strategy.............................................................................................32.2Structure..........................................................................................

4、..42.3PoliciesandProcedures.................................................................43RISKIDENTIFICATION,CONTROLANDMONITORING3.1RiskIdentificationandMeasurement............................................63.2RiskControlandMitigation...................................

5、.........................83.3RiskMonitoringandReview.........................................................11MONETARYAUTHORITYOFSINGAPOREGUIDELINESONRISKMANAGEMENTPRACTICESFORINSURANCEBUSINESSNOVEMBER2007-INSURANCEFRAUDRISK1INTRODUCTIONANDFUNDAMENTALS1.1INTRODUCTION1.1.1Th

6、eInternationalAssociationofInsuranceSupervisors(IAIS)recognisestheimportanceforinsurerstoaddressthepotentialimplicationsofinsurancefraudontheiroperations.Inthisregard,oneoftheIAIS’InsuranceCorePrinciplesrecommendsthatsupervisorsrequireinsurerstotakenecessarymeasurestoprevent

7、,detectandremedyinsurancefraud.TheIAISalsoissuedaguidancepaperinOctober2006settingoutguidelinesformitigatinginsurancefraudrisk.1.1.2Thischapterprovidesguidanceonsoundriskmanagementpracticestoidentifyandmitigatedirectinsurers’exposuretotheriskofinsurancefraud.Itarticulatesbro

8、adprinciplesthatshouldbeembeddedinariskmanagementframeworkcoveringstrategy,