|其他題名: ||A study of intermediaries regulation controlfrom the perspective of insurance fraud|
|作者: ||薛名揚;Hsueh, Ming-yang|
|關鍵詞: ||保險中介人;保險詐欺;保險監理;Insurance Intermediaries;Insurance Fraud;Insureance Regulation|
|上傳時間: ||2010-01-11 02:01:12 (UTC+8)|
A complete insurance market consists of insurers, policy holders, and intermediaries. Without any of those three parties, this market would not be possible. As far as the marketing strategy is concerned, aside from traditional selling channel like agents, the intermediary is also a cost-saving channel we can not ignore. Furthermore, business alignment, database marketing and direct marketing are also mixing selling channels for helping insurers to take the lead in this competition.
Insurance business in Taiwan has been developed under the government’s control and protection for a long time. Since Taiwan joined WTO, the insurers have been facing the challenges from market open and globalization. The old-fashioned tradition channels which the insurers reply on are not able to meet the needs of this new era. From consumers’ point of view, the role of the intermediary has been changed from a product distributor to a professional financial consultant. This channel has become so crucial to all insurers. Every insurer tries its best to develop this channel to bring in more new business. However, more problems caused due to such keen competition.
Documents analysis is the main research method in my paper. I also refer to insurance fraud prevention principles and actual prevention actions taken by United States, United Kingdom, Japan and China. Afterwards, I found that Taiwan simply focused on external insurance fraud when implementing insurance fraud prevention. However, ignorance of insurance products and trading behavior would also become the warm bed for internal fraud. Particularly once the intermediary is not controlled by the fraud prevention systems, such leak will result in serious drawbacks.
To modify regulations is strongly suggested. It is necessary to define the responsibilities of intermediaries in insurance fraud. The authority concerned should provide distinct guide about fraud indicators and fraud cases for insurers and intermediaries to follow. As well, it is a must to implement insurance fraud prevention training and reporting system. The above which were mentioned will strengthen our insurance operation monitoring and management.