中銀保監開展大數據反保險欺詐行動 針對車險、意健險等重點領域
據《上海證券報》報道,中國銀保監會近日在行業內部下發相關通知稱,2021年中國銀保監會風險處置局將繼續借助全國保單信息平台,針對車險、意健險、農險、保證保險等重點領域,組織開展欺詐線索篩查、串並、移送,進一步健全制度機制和信息服務保障,深入推進大數據反保險欺詐工作。
根據要求,各相關單位要緊抓數據核心,提高大數據反欺詐有效性,包括提高數據質量、加快數據融合、提升數據價值;優化風險模型,增強大數據反欺詐科學性,包括強化跨區域欺詐線索篩查、適應欺詐風險的區域差異、推進保險公司風控升級;健全制度機制,包括深化反欺詐執法協作、建立反欺詐行業聯盟、探索高風險名單制度。
為提高反保險欺詐篩查和應用的準確性,根據要求,各保險公司總公司應按照前期發布的數據模型要求,按時向中國銀保信車險平台、保單登記平台、農險平台傳送保險數據。中國銀保信將向銀保監會風險處置局報送各區域、各公司數據質量傳送情況監測報告,數據質量報告將作為保險公司「償二代」欺詐風險評分依據。
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