摘要：保险欺诈行为是对于每一个国家保险事业发展中的一项共同难题，它对于保险事业的危害极其严重。然而从保险事业诞生的那天起，保险欺诈事件就比比皆是。保险欺诈行为的实施者不仅可以包括有保险公司和保险中介人，另一方面投保人、被保险人和受益人也同样参与其中。然而从保险公司的角度来看，我们应该致力于如何减少和防止投保人的欺诈行为，因此我们需要了解投保人欺诈的惯用方法、这些欺诈行为发生的原因分析及其其中的危害、我们更需要掌握针对这种欺诈行为的应对方法有重要的现实意义。因此本文主要论述了投保人的保险欺诈行为的表现、投保人欺诈行为发生的原因分析及保险公司针对这些欺诈的策略，希望能够对我国的保险事业发展有所作用。

关键词：保险欺诈行为 原因分析 危害评估 预防对策

Abstract：Insurance fraud is a common problem in the development of the insurance industry in every country , its harm for the insurance industry is very serious.However, the day is born from the insurance industry, fraud will be met everywhere.Implementation of insurance fraud not only including insurance companies and insurance intermediaries, the insurant, the insured or the beneficiary is also involved.From the insurance company's point of view, we should focus on how to reduce and prevent fraud insured,therefore understanding the conventional method, the insured fraud fraud insured causes harm,grasp the measures to deal with fraud has important significance.This paper mainly discusses fraud insured performance,analysis of the course,and the insurance company according to fraud strategy,hope to have function to our country's development of the insurance industry.

Key words：insurance fraud  analysis of the course  hazard assessment   preventive measures