正文：
近日，国家金融监督管理总局印发《反保险欺诈工作办法》，旨在加强保险行业风险防控，提升消费者权益保护水平。该办法要求保险机构建立全流程欺诈风险管理体系，包括事前预警、事中管控和事后管理，以智能化手段应对欺诈行为。同时，行业组织应发挥大数据和联防联控的作用，提高反欺诈工具的有效性，并建立健全欺诈风险监测、预警和处置流程，为监管部门、公安司法机关和保险机构的反欺诈工作提供支持。
保险机构在反欺诈工作中，应以消费者权益保护为核心，不断提升服务质量，引导保险中介机构、第三方外包服务商和消费者依法合规参与保险活动，共同维护良好的保险市场秩序。
此次《反保险欺诈工作办法》的出台，是对现有监管政策的进一步细化和完善，旨在通过强化行业自律和监管合作，有效打击保险欺诈行为，保护消费者利益，促进保险市场健康稳定发展。同时，这也体现了监管部门对保险行业风险防控的高度重视，以及维护市场秩序、保护消费者权益的决心。
英语如下：
News Title: “Financial Regulatory Bureau Issues New Rules to Combat Insurance Fraud”
Keywords: Regulation, Fraud, System
News Content:
The National Banking and Insurance Regulatory Bureau has released the “Work Procedures for Combating Insurance Fraud,” aiming to strengthen risk prevention and control within the insurance industry and enhance consumer rights protection. The procedures require insurance institutions to establish a comprehensive fraud risk management system covering pre-event warning, mid-event control, and post-event management, utilizing intelligent means to address fraud. Additionally, industry organizations should leverage big data and collaborative prevention efforts to enhance the effectiveness of anti-fraud tools, and establish a monitoring, warning, and disposal process for fraud risks, providing support for anti-fraud work among regulatory bodies, law enforcement and judicial authorities, and insurance institutions.
In anti-fraud efforts, insurance institutions are urged to prioritize consumer rights protection and continuously improve service quality, guiding insurance intermediaries, third-party outsourcing service providers, and consumers to participate in insurance activities in a lawful and compliant manner, jointly maintaining a well-ordered insurance market.
The issuance of the “Work Procedures for Combating Insurance Fraud” represents a further refinement and improvement of existing regulatory policies, aiming to effectively combat insurance fraud by strengthening industry self-discipline and regulatory cooperation, protect consumer interests, and promote the healthy and stable development of the insurance market. This also reflects the regulatory body’s high regard for risk prevention and control within the insurance industry and its determination to maintain market order and protect consumer rights.
【来源】http://www.chinanews.com/cj/2024/07-30/10260169.shtml
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