摘要 随着我国经济社会持续的快速发展，国内人民的收入水平大幅提升，机动车辆开始普遍走入寻常百姓家里。在机动车辆这个庞大市场的带动下，车险越来越得到社会的关注。然而在车险市场发展壮大的过程中，一直存在着高保低赔、无责不赔、保险欺诈以及理赔不到位等为消费者所诟病的现象，费率厘定也没有跟不上市场经济的步伐，客户满意度普遍不高，为解决这类问题，提高财险公司的经营水平和增加盈利空间，车险费率的市场化改革势在必行。然而在国内大多数财险公司中，车险业务占据着绝对的比重，车险费率改革正在倒逼公司提高业务能力，加大车险风险管控投入。新条款对保险公司的风险识别能力、定价能力、人员素质等都提出了很高的要求，这无疑增加了财险公司的经营成本和盈利的不确定性。在此次改革中将冲击财险公司保费收入，重新分配车险市场的份额。财险公司将会受到哪方面的影响与挑战，以及应当采取哪些措施迎接车险的市场化改革，才能在改革的浪潮中站稳自己的阵脚，保持持续盈利的能力，这些将是本文阐述的重点。4619

关键词：车险费率市场化； 财险公司； 经营转型
Abstract
Though the With China's sustained and rapid economic and social development, people's living standards greatly improved, vehicles have been walking into the homes of ordinary people. In the huge market of vehicles driven by the auto insurance are increasingly the concern of the community. However in auto insurance market development grow of process in the, also has been exists with high insurance low lost, and no accountability not lost, and insurance fraud and claims not in place, for consumers by criticized of phenomenon, rates determined also no with Business transformation of pace, customer satisfaction degrees General not high, for solution this class problem, improve insurance company of business level and increased profit space, auto insurance rates of market reform imperative. However, most insurance companies in the country, and motor vehicle insurance occupies absolute proportion of car insurance rate reform is forcing companies to increase operational capacity and increase the insurance risk control inputs. New provisions on insurance companies ' ability to identify the risks, pricing, quality of personnel, have put high demands, that certainly adds to the uncertainty of operating costs and profits of insurance companies. This will also greatly impact insurance company premiums and reallocation of market share. Insurance companies would be to play in the reform which impacts and challenges, and what measures should be taken to meet the auto insurance market reform, to hold their position in the wave of reform, maintain the capacity for sustained profitability, which will be the focus of this paper.
Key words： Auto insurance rates market；Property insurance company； Business transformation
目    录
摘  要    Ⅰ
Abstract    Ⅱ
一、车险费率市场化的改革背景    1
（一）费率系数的变动    1
（二）示范条款的变动    3
（三）三类机构的功能和作用的定位    3
二、车险费率市场化对财险公司的影响    4
（一）增加经营成本，压缩部分利润空间    4
（二）对财险公司经营能力的要求更高    4
（三）定价主动性提高，存在一定经营亏损风险    5
（四）冲击第三方代理渠道    5
（五）冲击电网销渠道    6
（五）财险公司产生不良竞争    6
三、财险公司在车险费率市场化背景下的转型经营建议    7 车险费率市场化背景下的财险公司经营转型研究:http://www.751com.cn/jingji/lunwen_1368.html