<img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/103233_oWhToX.jpg" alt="Image"><p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">纵观近期发生的几起重大保险欺诈案件，它们存在诸多的相同点，如投保人皆熟悉保险知识，了解保险合同的免责条款，都存在利用保险合同骗取保费的主观动机。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">在“普吉岛杀妻案”、“佛山男子杀妻骗保”两起案件中，</span><span style="max-width: 100%; overflow-wrap: break-word !important;">投保人更是早有预谋，企图通过杀人来谋财，最终只能锒铛入狱。</span><span style="max-width: 100%; overflow-wrap: break-word !important;">虽然案件</span><span style="max-width: 100%; overflow-wrap: break-word !important;">当事人受到法律的制裁是自作自受，但家破人亡的结局却令每个人都感觉不到轻松。</span><br style="max-width: 100%; overflow-wrap: break-word !important;"></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">面对这样的惨剧，唯有加大对于保险欺诈行为的打击力度，提升其违法成本，才能最大程度上震慑心怀不轨之人，降低保险欺诈案发生概率。但从目前来看，要想减少保险欺诈，又是如此艰难，下面我们穿过这些纷繁复杂的表象来层层揭开保险欺诈背后的真相。</span></p><p style="max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; text-align: center; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/103233_MCSDWP.jpg" alt="Image"><br></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">01、<span style="max-width: 100%; overflow-wrap: break-word !important;">保险欺诈几乎无法避免</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">何为"保险欺诈"?按照一般的理解，保险欺诈仅指保险金诈骗类欺诈行为，主要包括故意虚构保险标的，骗取保险金;编造未曾发生的保险事故、编造虚假的事故原因或者夸大损失程度，骗取保险金，故意造成保险事故，骗取保险金的行为等。</span><br style="max-width: 100%; overflow-wrap: break-word !important;"></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">当然上述只是狭义上的概念，从广义的角度来看，保险欺诈涵盖甚广，基本是无法避免的。从世界范围内来看，保险欺诈与保险市场的发展始终如影随形，</span><span style="max-width: 100%; overflow-wrap: break-word !important;">据有关报道，即便是保险业发达的美国，保险欺诈犯罪的数量也一度仅次于毒品犯罪。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">02、造成的损失呈不断上升趋势</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">保险欺诈所造成的费用损失就始终在保险业的赔款中占据着一定比例。有关资料显示，国际保险业务的欺诈损失平均在10%-30%左右，而在我国，随着保险业的发展的不断成熟，保险公司业务范围不断扩大，保险欺诈活动也大量增加。从全国范围看，在20世纪80年代末期，诈骗犯罪中涉及保险欺诈的仅占2%左右，直到2005年已上升至10%左右。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">03、损失的数额巨大</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;">有关数据显示，保险欺诈对我国保险行业造成的损失是巨大的，目前<span style="max-width: 100%; overflow-wrap: break-word !important;">已成为保险风险管控形势最严峻的领域之一。</span><span style="max-width: 100%; overflow-wrap: break-word !important;">有文章称，中国人保财险2018年稽查减损的总金额超过了80亿元，根据中国人保财险的市场份额推算，全行业的稽查减损总净额应该不低于200亿元，但这只是被查明的部分。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">以地方为例，陕西省保险行业协会仅2018年上半年接到各保险公司会员单位报送的涉嫌保险欺诈案件就达到了1419件，涉案总额8971.69万余元。<span neue="neue" sc="sc" gb="gb" ui="ui" normal="normal" none="none" px="px" helvetica="helvetica" sans="sans" yahei="yahei" left="left" style="max-width: 100%; display: inline; float: none; overflow-wrap: break-word !important;">2015年以来</span>，<span neue="neue" sc="sc" gb="gb" ui="ui" normal="normal" none="none" px="px" helvetica="helvetica" sans="sans" yahei="yahei" left="left" style="max-width: 100%; float: none; overflow-wrap: break-word !important; display: inline !important;">安徽省仅各级公安机关立案查处的保险诈骗犯罪案件就有322起，破案219起，抓获犯罪嫌疑人243名，涉案金额近4000万元。</span></span></p><p style="max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-size: 17px; font-variant-numeric: normal; font-variant-east-asian: normal; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; text-align: center; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/103233_MBwdWm.jpg" alt="Image"><br style="max-width: 100%; overflow-wrap: break-word !important;"></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">04<span style="max-width: 100%; overflow-wrap: break-word !important;">、车险欺诈占比最高</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">保险欺诈被喻为保险业无声的巨灾，而车险欺诈又被称为这巨灾中的大敌，在所有的保险欺诈案中占比最高。北京市石景山区检察院近期公布的数据统计显示，车险欺诈在全国保险欺诈发案数量中占比高达80%。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">车险欺诈占比高与车险欺诈自身的特点有密切关系，因为车险欺诈主体的多元化，<span neue="neue" sc="sc" gb="gb" ui="ui" normal="normal" none="none" px="px" helvetica="helvetica" sans="sans" yahei="yahei" left="left" style="max-width: 100%; float: none; overflow-wrap: break-word !important; display: inline !important;">不仅包括保险人、被保险人，还包括相关的第三方，</span>再加上获利空间较大、操作相对较方便、出险频率很高及风险很难事先预防等特点，都给欺诈者留下很大的发挥空间。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">05<span style="max-width: 100%; overflow-wrap: break-word !important;">、日益呈现团伙化、专业化和职业化特征</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">近年来，保险欺诈日益呈现出团伙化、专业化和职业化特征。以车险为例，北京市石景山区检察院的消息显示，自2014年7月至2017年7月，北京市所有进入刑事程序的车险欺诈案件共115件，涉案181人，</span><span style="max-width: 100%; overflow-wrap: break-word !important;">其中有51%的人都是熟悉汽车行业的专业人士，包括投保人、修理厂工作人员、保险中介代理、保险公司定损员、公估员等。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">他们团伙作案、跨区域作案趋势明显，存在复杂的利益链条。</span><span style="max-width: 100%; overflow-wrap: break-word !important;">" 日防夜防，家贼难防"，当个别保险公司内部人员或利益链条当中的人员加入到保险欺诈的队伍中来，无疑大大增加了保险公司、司法部门的反欺诈难度。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">06<span style="max-width: 100%; overflow-wrap: break-word !important;">、贯穿保险经营各个环节</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">保险欺诈不仅无法避免，而且无处不在，防不胜防。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">第一类是投保时诈骗，主要包括先出险再保险骗赔，高额投保骗赔，重复投保、一险多赔骗赔，隐情投保骗赔，无标的空投保骗赔等形式。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">第二类是出险报案时欺诈，主要有张冠李戴式骗赔、制造事故、假险骗赔、虚报原因、扩大责任骗赔等。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">第三类是索赔时欺诈，主要表现在单证材料的伪造涂改上，包括夸大损失、低险高赔、伪造事故、谎报出险等。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">07<span style="max-width: 100%; overflow-wrap: break-word !important;">、监管力度不断强化</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">一直以来监管不断强化保险欺诈打击力度:</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">2012年8月6日，原保监会印发《关于加强反保险欺诈工作的指导意见》，指出了加强反保险欺诈工作的重要意义，从健全反欺诈制度体系、强化监管机制、提高欺诈风险管理能力、建立行业反欺诈合作平台、构建反欺诈长效机制等方面对反保险欺诈工作进行了总体部署。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">2013 年 7 月，中国保监会印发《关于进一步做好车险反欺诈工作的通知》，部署开展车险反欺诈风险专项行动。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">2018年2月11日，中国保监会又印发了《反保险欺诈指引》，将保险机构欺诈风险管理的制度体系与组织架构、欺诈风险识别、评估与应对、反欺诈行业协作等上升到制度层面。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><em style="max-width: 100%; overflow-wrap: break-word !important;"><strong style="max-width: 100%; overflow-wrap: break-word !important;">08<span style="max-width: 100%; overflow-wrap: break-word !important;">、新技术被广泛应用</span></strong></em></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">随着技术的发展，包括人工智能、大数据等在内的新兴技术开始被广泛应用于反保险欺诈工作中。</span><span style="max-width: 100%; overflow-wrap: break-word !important;">中国保信发布的数据称，全国车险反欺诈信息系统自2016年11月28日上线以来，截至2017年12月底，累计助力保险公司有效止损1.17亿元。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">中国保信还于2017年4月启动了向辽宁、陕西等6地区保监局提供跨险种人伤欺诈、车辆及人伤碰瓷职业团伙欺诈等主题线索的工作，共提供疑似欺诈案件4.08万笔、涉案金额2.91亿元，公安部门共立案251起、涉案金额2692.8万元，挽回了损失、打击了保险欺诈团伙。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;">保险不停，欺诈不止，反保险欺诈的路永远没有尽头，但越来越多新技术的应用又让我们看到了新的希望，但愿惨剧再也不会发生。</span></p><p style="margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; text-align: right; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;"><span neue="neue" sc="sc" gb="gb" ui="ui" normal="normal" none="none" px="px" helvetica="helvetica" sans="sans" yahei="yahei" right="right" style="max-width: 100%; float: none; overflow-wrap: break-word !important; display: inline !important;">（文章来源：金融界）</span></span></p><p style="text-align: center; margin-bottom: 16px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; font-variant-numeric: normal; font-variant-east-asian: normal; widows: 1; color: rgb(68, 68, 68); line-height: 1.75em; text-indent: 2em; letter-spacing: 0.5px; font-size: 16px; overflow-wrap: break-word !important;"><span style="max-width: 100%; overflow-wrap: break-word !important;"><span neue="neue" sc="sc" gb="gb" ui="ui" normal="normal" none="none" px="px" helvetica="helvetica" sans="sans" yahei="yahei" right="right" style="max-width: 100%; float: none; overflow-wrap: break-word !important; display: inline !important;"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/103233_4ggiBe.jpg" alt="Image"><img src="http://luntan.eunisson.com/uploadfiles/images/64/20190808/103233_MBwdWm.jpg" alt="Image" style="color: rgb(51, 51, 51);"><br></span></span></p></p>