机动车辆险赔付率高的原因分析及对策研究学士学位论文.doc

高等教育自学考试
毕业设计(论文)说明书
汽车检测与维修专业(本科)


机动车辆保险赔付率高的原因分析及对策研究
高等教育自学考试
毕业设计(论文)任务书
题目:机动车辆保险赔付率高的原因分析及对策研究
本环节自2013年3月8日起至2013年6月7日
进行地点: 河南职业技术学院
内容要求:毕业设计说明书(论文)要求层次分明、文理通顺、数据可靠、文字简练、说明透彻、立论正确、推理严谨。

指导老师:王红伟职称:讲师
批准日期:2013年 3 月10日
机动车辆保险赔付率高的原因分析及对策研究
摘要
我国自二十世纪八十年代全面恢复保险业务以来,保险业发展迅猛。近几年来,保险市场主体急增,市场竞争空前激烈,竞争加快了市场及保险产品的开发和服务质量的提高。机动车辆保险业务作为我国财产保险中的重要支柱,多年来一直占财产险业务收入的60%以上。2011年度统计数据显示,,%,稳居财产险业第一大险种。
但自2000 年以来,车险赔付率一直居高不下,其利润贡献度与其保费占比严重不匹配,车险“高保费、高赔付、低效益”的经营现状,直接影响到整体财险业务的健康、可持续发展。为此,如何在机动车辆保险业务中,坚持速度与效益并重,加强经营管理,降低车险赔付率,既保持良好的发展速度,又不断地提高自身的经济效益,正越来越引起各家财产保险公司的高度关注与重视。
本文主要介绍了我国车险市场的发展及现状,指出加强车险赔付的风险控制迫在眉睫。通过分析机动车辆险赔付率高的现状和原因,在此基础上,提出降低车险赔付率的对策和措施,提高车险业务整体利润水平。
关键词:机动车辆保险,赔付率,财产保险,风险管理,经营管理
STUDY ON THE REASONS AND COUNTERMEASURES OF THE VEHICLE INSURANCE RATE
ABSTRACT
Insurance in our country developed rapidly since it was resumed in the recent years,the insurance market players has increased drastically and unprecedented petition has speeded up the improvement of service quality and the development of insurance products and insurance occupies the prominent unit in property insurance in our country, and the share of its business has accounted for about 60%in the entire property and casualty insurance for many of 2008 shows that the premium of automobile insurance reaches billion Yuan, which is %of the property insurance premium.
Since 2000 however, Car insurance loss ratio has been stubbornly high、Insurance cost and the profit contribution is one of serious don't match, "Car insurance premium, high pay, high low benefit" the management status quo, directly affect the healthy and sustainable development of the whole insurance business. How to do this, in the motor vehicle insurance business, both on speed and efficiency, strengthen management, reduce car insurance loss ratio, already keep good development speed, and constantly improve their economic