China News Service, Beijing, December 8 (Reporter Wang Enbo) The China Banking and Insurance Regulatory Commission disclosed on the 8th that in order to severely crack down on illegal and criminal activities in the insurance sector and improve financial risk prevention capabilities, the department and the Ministry of Public Security have strengthened communication and cooperation, and improved systems and mechanisms. A joint anti-insurance fraud special operation was carried out in 2015, which greatly deterred criminals and purified the financial market environment.
During this period, the insurance industry across the country transferred a total of 28,005 fraud clues to the public security organs, and the public security organs filed more than 1,000 cases, involving nearly 600 million yuan (RMB, the same below), and arresting nearly 2,000 criminal suspects.
In order to solve the prominent contradiction that the traditional manual method of screening fraud clues is difficult to meet the massive growth of insurance policies, and to adapt to the new trend of professionalization and ganging of insurance fraud crimes, since October 2019, the China Banking and Insurance Regulatory Commission and the Ministry of Public Security have worked in Zhejiang, Anhui, and Jiangxi. , Shandong, Ningbo, and Qingdao have launched big data anti-insurance fraud pilot programs, and innovatively used big data and other new technologies to prevent insurance fraud risks and crack down on financial crimes, and achieved initial results.
According to statistics, in the past year, the six pilot provinces (cities) have transferred 545 insurance fraud clues to the public security organs, and nearly 200 cases have been filed, involving more than 100 million yuan.
In response to the problem that it was difficult to identify fraud risks in a timely and accurate manner by relying solely on insurance industry policy information or police data from public security organs, the China Banking and Insurance Regulatory Commission instructed China Banking Insurance Information Technology Management Co., Ltd. and some large insurance companies to establish "green inquiry channels" for public security organs to promote Integrating big data platforms such as insurance claims, traffic accidents, violation handling, public security cloud search, public security police affairs, etc., to realize the cross-departmental information and data collision of "public security + insurance".
In addition, the China Banking and Insurance Regulatory Bureau in the pilot areas also cooperated with the economic investigation departments to summarize the characteristics of crimes, set reasonable dimensions, and refine the association rules, and developed and established fraud crime data models for various insurance types such as auto insurance, accident insurance, and aviation delay insurance. Intelligent analysis and judgment of case clues has further improved the accuracy of cracking down on financial fraud.
The China Banking and Insurance Regulatory Commission stated that in the next step, it will continue to promote anti-insurance fraud cooperation with the Ministry of Public Security, study and improve data interactive sharing methods, jointly build insurance crime data models, and explore the formation of a new cross-departmental big data anti-insurance fraud model.
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