보험사기의 가해적 특성과 제재 효율성에 관한 연

Abstract

Lately, in Korea the insurance fraud is on the increase and the criminal act becomes more and more various, advanced, intellectual, systematic and violent. In spite of that situation, the Korean insurance companies are faced with a serious problem because they are unable to cope with the insurance fraud efficiency and systematically. To recognize insurance fraud, I used financial supervisory service's secondary data which is related to insurance fraud. In korea, characteristics of insurance fraud can be listed as follows : Firstly, insurance fraud is rapidly increasing to compare with the past. Secondly, insurance frauds which is related to traffic accident are much more rather than other insurance fraud types. Thirdly, insurance frauder is largely composed of the age of 20-30, because of unemployment caused to depression. Fourthly, the rate of insurance frauder into criminal justice process is very small. In order to prevent such insurance fraud, We must take all the efforts such as insurance company's countermeasure, the collaborative action of insurance circles, the government's legal and institutional guidance and support, enforcement of education which is related to insurance fraud. Also, We have to interest cooperation both insurance company and investigation systems like police.