孙志成-保险欺诈现象探析及应对策略-003VIP专享VIP免费

郑州交通职业学院毕业论文论文题目：保险欺诈现象探析及应对策略所属系别：经济管理系专业班级：10级保险实务1班姓名：孙志成学号：201008050630001指导老师：撰写日期2013年4月摘要伴随着保险业的发展，保险欺诈也呈上升趋势，并成为当前保险业健康发展的最大威胁之一，人身保险也不例外。本文着重分析我国人身保险欺作的类型、特点、成因及危害，并在此基础上，提出一些应对防范的建议。关键词:保险欺作，人身保险，防范AbstractAlongwiththedevelopmentoftheinsuranceindustry,insurancefraudisalsoontherise,andbecometheoneofthebiggestthreattothehealthydevelopmentoftheinsuranceindustry,insuranceisnotexceptionalalsothisarticleanalyzedourcountrylifeinsurancedeceivescharacteristicsforthetypeofthecausesandharm,andonthisbasis,putforwardsomepreventionadviceKeywords:cheatforinsurance,personalinsurance,toprevent目录1前言........................................................................................................................................12保险欺诈的定义....................................................................................................................13保险欺诈的常见类型及特点................................................................................................13.1带病投保......................................................................................................................13.2先出险后投保..............................................................................................................13.3冒名顶替，骗取保险金..............................................................................................23.4疾病身故谎称或冒充意外身故..................................................................................23.5未发生保险事故谎称发生..........................................................................................23.6故意造成被保险人死亡、伤残、疾病等保险事故..................................................24保险欺诈的成因分析............................................................................................................24.1谋取高额保险金的利益驱动......................................................................................24.2法律缺失，惩罚力度不够..........................................................................................34.3保险公司自身经营管理不完善..................................................................................35保险欺诈的危害....................................................................................................................46保险欺诈风险防范对策和建议............................................................................................46.1加强社会诚信建设，提高公众道德水平..................................................................46.2完善我国法律规定，利用法律严厉打击和震慑保险欺诈行为，为我国保险行业良性发展提供良好的法制环境。....................................................................................46.3完善保险公司内部管理制度，提高防范风险的能力..............................................56.4保险公司间应当加强反欺诈合作，建立保险欺诈信息共享平台..........................58总结........................................................................................................................................7参考文献........................................................................................................................