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伴随着汽车行业的活跃,经营汽车保险的保险公司越来越多,而发生在汽车保险上的诈骗案件也层出不穷,汽车保险在我国占财产险的比重非常大,因此汽车保险诈骗如不及时加以控制将会危及整个保险行业的经营稳定性。本文将从微观经济学中解决“委托—代理”关系以及非寿险NCD系统的角度出发探讨汽车保险诈骗问题。
With the active auto industry, there are more and more insurers operating automobile insurance, and there are many cases of fraud in auto insurance. The proportion of auto insurance in property insurance in our country is very large. Therefore, if auto insurance fraud is not timely, Control will endanger the stability of the entire insurance industry. This article will discuss the issue of auto insurance fraud from the perspective of solving micro-economics “commission-agent ” relationship and non-life insurance NCD system.