我国机动车辆保险经营中存在的问题及对策

摘要改革开放以来，随着我国经济的快速发展，人们生活水平的提高，我国机动车辆数量逐年增加，汽车数量的增长带动了机动车辆保险的需求。目前，机动车辆保险已成为我国财产险的主要险种。机动车辆保险经营状况的好坏已成为衡量我国财产险保险公司商业利润的K线图。自机动车辆保险市场化改革以来，一方面利用市场价格机制使市场看不见的手来调节市场供求关系，使费率结构更加合理。另一方面也使我国车险市场面临更加激烈的竞争。车险费率条款粗放，产品同质化严重，销售渠道受制于车商，车险欺诈等这些是我国机动车辆保险公司经营过程中普遍面临的问题。这些问题使我国机动车辆保险公司经营处于高竞争成本、高赔付率的境况而出现全面的亏损。本文通过对我国机动车辆保险经营过程中面临的这些问题分别从产品研发、奖惩制度建设、销售渠道扩展与完善、承保理赔管理水平的提高及风险预防方面提出针对性的解决措施。45462
毕业论文关键词：机动车辆保险；营销渠道；产品同质化；保险欺诈；
Abstract
Since China's reform and opening up, with the rapid development of our country economy and with improvement of people’s living standard, the number of motor vehicles bought by people in our country increases year by year. The increase of the number of the car to drive the motor vehicle insurance requirements. At present, the motor vehicle insurance has become a main part of property insurance in our country. The stand or fall of motor vehicle insurance business performance determines the property insurance company of business profits. Motor vehicle insurance market reform makes the market price mechanism effectively regulate the market supply and demand. It make a premium rate structure more reasonable. But it also makes our country motor vehicle insurance market more competitive. Motor vehicle insurance subjects to the terms and conditions of the management in insurance rat. Similar products, sales channels rely on car dealerships. These problems lead to the company losses due to increased costs. This paper puts forward some measures to solve these problems in order to develop new channels, establish incentive mechanism, expand sales channels, improve the level of compensation and prevent risk.
Key words： Motor vehicle insurance; Marketing model; Product homogeneity; Insurance fraudulence;
目录
摘要    I
ABSTRACT    II
一、我国机动车辆保险的经营情况    1
（一）我国机动车辆保险发展的历史回顾    1
（二）机动车辆保险的经营现状    1
二、我国机动车辆保险经营存在的问题    2
（一）综合费率不断上升    3
（二）机动车辆保险产品缺乏竞争力    4
（三）重视保费规模轻视承保质量    4
（四）营销渠道过于依赖车商    5
（五）核保、理赔服务质量差    6
三、推进车辆保险发展的对策    7
（一）引入激励机制控制高赔付率    7
（二）重视产品的定制开发赢得市场    7
（三）做好事前风险预防达到风险可控    8
（四）积极扩展和改善营销渠道走出困境    8
（五）提高管理水平改善理赔难问题    9
结语    10
参考文献    11
致谢    12
我国车辆保险经营中面临存在的问题及对策
我国的机动车辆保险分为机动车交通事故责任强制保险和机动车辆商业保险，交强险于2006年开始实行，在保障人民生命财产安全，促进道路交通安全通畅和社会和谐方面发挥积极作用，但从交强险和商业汽车保险的经营角度来看，问题矛盾突出，亏损情况严重，且呈现恶化趋势。保障不足，保费较高和理赔亏损问题使交强险陷入尴尬境地，如何令我国汽车保险摆脱经营困境已经成为当今保险业及整个社会的难题。我国机动车辆保险经营中存在的问题及对策:http://www.751com.cn/guanli/lunwen_46899.html