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In the implementation of the "Guiding Opinions" and the anti-insurance fraud work in the future period, the entire industry must fully understand the importance of strengthening anti-insurance fraud work. Insurance fraud not only infringes on the legitimate rights and interests of insurance consumers, but also It erodes the benefits of insurance institutions, disrupts the normal order of the insurance market, and damages the image of the insurance industry. Therefore, the specific requirements and practices for future anti-insurance fraud work are as follows:

First, strengthen leadership and systematic planning. Anti-insurance fraud work involves all aspects inside and outside the industry, and all units must make overall plans and strengthen organizational leadership. Regulatory departments should give full play to the leading role in anti-insurance fraud work, further improve the anti-fraud system, and organize and carry out relevant work in a planned and step-by-step manner. Insurance institutions must assume the main responsibility for anti-insurance fraud work and incorporate anti-insurance fraud work into a comprehensive risk management and control system for planning. Starting from the corporate governance level, they must strengthen awareness of responsibility, improve systems and mechanisms, improve technical means and optimize resource allocation. Industry associations should play an organizational and coordinating role and build anti-fraud working platforms through joint meetings and professional committees to improve the effectiveness of anti-fraud work; societies should organize the industry to actively carry out theoretical research on anti-insurance fraud and explore the laws of anti-insurance fraud work.

The second is to highlight key points and advance step by step. At present, insurance fraud cases occur frequently and in various forms. The principle of key punishments should be highlighted, and insurance fraud behaviors such as "fake institutions, fake insurance policies, and fake claims cases" that are highly harmful to society and have strong public reaction should be listed as the focus of anti-fraud. Regulatory authorities should intensify the investigation and supervision of major fraud cases, and hold relevant personnel accountable in strict accordance with the China Insurance Regulatory Commission's Guiding Opinions on Case Responsibility Investigation of Insurance Institutions for those who have responsibilities in case management and risk prevention; insurance institutions should prevent Oriented by fraud risks, we must focus on key points and actively cooperate. We must resolutely transfer fraud suspected of illegal crimes to the public security and judicial organs. For internal fraud that does not constitute a crime, we must seriously investigate the responsibility of relevant personnel, promptly improve the internal control system, and actively Carry out fraud risk warning education. Industry associations should explore underwriting and claims information sharing mechanisms for key insurance types, and conduct timely research and development of anti-fraud information sharing platforms. In accordance with the requirements of the "Guiding Opinions", all units must prioritize and gradually promote the "three-step" anti-fraud work: this year, we will start from laying a solid foundation, establishing a system, improving the system, and strengthening publicity; next year, we will use information sharing, Focus on law enforcement cooperation and strive to create a good external environment; by 2014, a four-in-one anti-fraud work system of "government-led, law-enforcement linkage, company-centered, and industry collaboration" will be initially established. There are still more than three months left in this year, and there are many anti-insurance fraud tasks, and all units must implement them as soon as possible.

The third is to focus on methods and strive for practical results. Different types of fraud have different characteristics and causes. All units should strengthen analysis and research and carry out targeted anti-fraud work. To combat opportunistic fraud, we should focus on prevention. Insurance institutions should explore and implement systems such as anti-fraud reminders for insurance and claims. Industry organizations should increase publicity and education to consumers to effectively prevent speculative insurance fraud. To combat occupational fraud, we should combat occupational fraud. Mainly, regulatory authorities should strengthen cooperation between the industry and public security and judicial agencies, jointly investigate and deal with insurance fraud criminal gangs, effectively deter criminals, and optimize the external environment for industry development. In implementing the "Guiding Opinions", responsibilities must be clearly defined, implemented at all levels, and avoid going through the motions. Appropriate rewards should be given to those with outstanding work performance. Those who do not take their work seriously, miss good work opportunities, and cause serious consequences must be severely dealt with in accordance with relevant regulations.

The fourth is to actively explore and be good at summarizing. Anti-insurance fraud work covers a wide range of areas, and each company and region faces different anti-fraud situations and tasks. In the previous stage, the industry made useful explorations in improving the anti-fraud organizational system, strengthening regional cooperation, strengthening the application of anti-fraud technology and information sharing. In the next stage, we must thoroughly implement the "Guiding Opinions" On this basis, we will continue to increase innovation, promptly summarize and promote good experiences and practices, and actively explore new anti-insurance fraud mechanisms that are suitable for China's national conditions and applicable to the actual industry.