中银保监开展大数据反保险欺诈行动 针对车险、意健险等重点领域
据《上海证券报》报道,中国银保监会近日在行业内部下发相关通知称,2021年中国银保监会风险处置局将继续借助全国保单信息平台,针对车险、意健险、农险、保证保险等重点领域,组织开展欺诈线索筛查、串并、移送,进一步健全制度机制和信息服务保障,深入推进大数据反保险欺诈工作。
根据要求,各相关单位要紧抓数据核心,提高大数据反欺诈有效性,包括提高数据质量、加快数据融合、提升数据价值;优化风险模型,增强大数据反欺诈科学性,包括强化跨区域欺诈线索筛查、适应欺诈风险的区域差异、推进保险公司风控升级;健全制度机制,包括深化反欺诈执法协作、建立反欺诈行业联盟、探索高风险名单制度。
为提高反保险欺诈筛查和应用的准确性,根据要求,各保险公司总公司应按照前期发布的数据模型要求,按时向中国银保信车险平台、保单登记平台、农险平台传送保险数据。中国银保信将向银保监会风险处置局报送各区域、各公司数据质量传送情况监测报告,数据质量报告将作为保险公司「偿二代」欺诈风险评分依据。
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