Core Viewpoint - The establishment of the Beijing Traffic Accident Police-Insurance Remote Processing Center has significantly optimized the process of handling traffic accidents and insurance claims through technology, resulting in a win-win situation for all parties involved [1][2]. Group 1: Remote Processing Efficiency - The remote processing model in Beijing allows for "1-minute emergency call, 4-minute vehicle relocation," integrating traffic accident handling and insurance claims into a fast processing and compensation system [2]. - During the "14th Five-Year Plan" period, nearly 2.2 million traffic accidents have been processed remotely, with a projected 630,000 cases in 2025, accounting for over 55% of the total traffic accidents in the city during the same period [2]. - The average time to clear the scene is 3.5 minutes, and the total processing time for accidents is reduced to an average of 15.2 minutes, which is approximately 70% faster than traditional methods [2]. Group 2: Insurance Claim Integration - The Beijing Financial Regulatory Bureau has facilitated collaboration between insurance companies and the traffic management bureau, ensuring that accident responsibility information and evidence are transmitted to insurance institutions in real-time [3]. - The integration allows for a "one-time reporting and acceptance" process, where insurance specialists participate in remote handling, significantly improving the efficiency and quality of claims processing [3]. - For minor vehicle damage and light personal injury accidents, online instant compensation can be achieved, with an average case closure time reduced by 26.43% compared to previous periods [3]. Group 3: Anti-Fraud Measures - In 2024, a joint "Traffic Accident Insurance Anti-Fraud Task Force" will be established to analyze accident data and identify fraudulent activities, helping insurance companies prevent losses of over 70 million yuan [4]. - The initiative has already led to the successful resolution of a significant insurance fraud case involving 193 deliberately caused accidents, amounting to over 2 million yuan [4]. - Future plans include enhancing the remote processing system and developing an AI-assisted platform for traffic accident responsibility identification, further improving emergency response capabilities [4].

北京金融监管局指导辖内保险公司协同北京市公安局交通管理局积极衔接保险理赔，交通事故的责任认 定信息和影像资料同步传递保险机构，保险专员第一时间跟进，无缝衔接保险理赔。北京地区交通事故 处理和保险理赔基本实现了"一次报案双方受理""一次取证全程使用""一手资料快速理赔"，不需当事人 反复提供材料，保险专员全程参与远程处理，能够及时跟进第一现场，确认案件真实性，省去查勘人力 物力，显著提高定损赔付效率和理赔服务质效。对于远程处理的小额车损和轻微人伤事故，保险理赔专 席可做到线上即时理赔，平均结案周期相比同期、同类型案件总体时效节省7天至8天，轻微交通事故引 发的车险理赔最快24小时内即完成赔付，平均结案时间较实施前减少26.43%。 据北京金融监管局相关负责人介绍，警保合作的快处快赔模式，采取统一的保险定损和事故定责取证标 准，打通了固有交通事故处理和保险理赔间的流程梗阻，为消费者带来"无感办理"的服务体验。同时， 第一手现场资料让保险公司敢于快赔，显著提高保险服务质效，切实提升了消费者的获得感、安全感。 "您双方挪一下车，到了安全地带我再打电话进来""您翻转一下手机摄像头，让我看一下路面的标 线"……在北京市道 ...

平安人寿山东分公司副总经理薛军围绕"防范非法代理退保"主题，深度拆解黑产"引流-洗脑-投诉-牟 利"全链条运作模式，通过对"黑产识别3.0标准"及泉州"1118"案等司法打击实例，详解如何通过声纹比 对、资金流向追踪等技术手段精准识别黑产，强调"服务前置化、证据标准化、处置法治化"的治理路 径。 培训期间，现场学习氛围浓厚，参训人员就实务难点与授课专家展开了热烈的互动交流。各位参训人员 积极提问，与专家共同探讨在实际工作中遇到的保险欺诈问题及解决方案，通过思想的碰撞，进一步加 深了对保险反欺诈工作的理解和认识。 此外，协会在培训期间同步建立了"济南反欺诈交流群"，为行业内各机构后续的线索研判与经验共享搭 建了便捷的平台。下一步，平安人寿山东分公司将持续深化与公安、司法等部门的协作，积极推动反欺 诈培训常态化、案例库建设标准化，为济南保险业的高质量发展保驾护航。 7月24日，济南市银行保险业协会以"打击非法代理理赔及人伤保险欺诈"为主题，成功举办了一场意义 深远的专题培训。此次培训旨在为保险行业筑牢风险防控的"防火墙"，吹响打击保险欺诈行为的"集结 号"。平安人寿山东分公司高度重视并积极参与其中，为推动济南保险 ...