近日，国家金融监督管理总局在反欺诈领域迈出重要一步，起草了《反保险欺诈工作办法(征求意见稿)》。这一举措旨在构建一个全新的反欺诈工作模式，以大数据技术为支撑，强化行业风险防控。
根据征求意见稿，新的反欺诈工作体系将秉持“监管引领、机构为主、行业联防、各方协同”的原则，旨在打造一个四位一体的防控网络。这一模式强调监管机构的引导作用，保险公司作为主体承担起反欺诈的主要责任，同时鼓励全行业的联防联控和各相关方的协同作战。
工作目标明确，希望通过这一机制的建立，能够使反欺诈的体制机制基本健全，有效地遏制欺诈违法犯罪行为的势头，提升保险行业的欺诈风险防范和化解能力。这一办法的出台，预示着我国保险业的反欺诈工作将进入一个大数据驱动、科技赋能的新阶段，有助于维护金融市场秩序，保护消费者权益，促进保险业的健康发展。
国家金融监督管理总局的这一举措，不仅体现了对保险欺诈行为的零容忍态度，也展示了我国在金融科技创新应用上的前瞻性和决心，有望为全球金融监管提供有益的借鉴。
英语如下：
News Title: “China Plans a New Big Data-Fueled Anti-Fraud Model: A Quadripartite Mechanism for Financial Supervision”
Keywords: Big Data Anti-Fraud, Insurance Supervision, Industry Cooperation
News Content:
The China Banking and Insurance Regulatory Commission (CBIRC) has recently taken a significant step in the anti-fraud domain by drafting the “Work Measures for Preventing Insurance Fraud (Draft for Comment).” This move aims to establish a novel anti-fraud operational model, supported by big data technology, to reinforce industry risk management.
According to the draft, the new anti-fraud system will adhere to the principles of “supervision-led, institution-centric, industry-cooperative, and multi-party collaboration.” It emphasizes the guiding role of regulatory authorities while holding insurance companies primarily responsible for anti-fraud efforts. It also encourages interconnected defense mechanisms across the industry and collaboration among all stakeholders.
The objective is to establish a mechanism that essentially strengthens the anti-fraud institutional framework, effectively curbing the momentum of fraudulent criminal activities, and enhancing the insurance industry’s capacity to prevent and resolve fraud risks. This development signals a new phase for China’s insurance industry, where anti-fraud efforts will be driven by big data and powered by technology, contributing to the maintenance of financial market秩序, the protection of consumer rights, and the healthy development of the insurance sector.
The CBIRC’s initiative not only showcases a zero-tolerance stance on insurance fraud but also demonstrates China’s前瞻性 and commitment to financial innovation. It is expected to provide valuable insights for global financial regulation.
【来源】http://www.chinanews.com/cj/2024/04-16/10199458.shtml
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