保险欺诈的成因及对策

投保人可以以较少的“投入”获得奇高的回报，是保险欺诈产生的内在基础；投保人、被保险人、受益人或者保险公司的工作人员利用保险合同与保险公司管理上的缺陷，通过虚拟保险标的、谎报保险事故、编造保险原因、夸大损失程度、故意制造保险事故等获得保险金，是保险欺诈的主要表现形式；对保险欺诈行为的宽恕与怂恿以及司法机关对保险欺诈行为打击不力，也是保险欺诈广泛存在、屡禁不止的社会原因。反保险欺诈是保险公司以及全社会的共同职责，我们应该借助于国外的经验，采用相应的对策同保险欺诈行为作斗争。

The Cause of Insurance Fraud and Countermeasure

The internal factors of the existence of insurance fraud is that the insuranced can repay expensively on less investment.Insurance fraud can be specified such conduct as misstating the insurance object,making up the Insurance reasons,exaggerating the Insurance loss or even wiffully creating Insurance accident in default of Insurance contract and the management of insurer.The socail reason why such conduct can widely appear is,insurance fraud is excused and aroused in default of the judicial conduct.ccident.Anti insurance fraud become the common responsibility of whole socity.we shold adopt proper measures on the basis of exteral experiences to fight with insurance fraud.