我国商业车险条款费率改革对财产保险公司的影响研究
发布时间:2018-03-23 17:44
本文选题:商业车险改革 切入点:条款费率 出处:《河北经贸大学》2017年硕士论文
【摘要】:随着我国经济的飞速发展和人民生活水平的不断提升,汽车成为生产和生活的必需品,因此我国车险市场迅速扩大。由于粗放式管理产生的矛盾,在繁荣的车险市场下,暴露出许多问题,如财产保险公司因抢占市场份额造成的恶性竞争,消费者权益得不到保障,多家财产保险公司的车险业务常年亏损等等。为保证车险市场的健康持续发展,并最终实现车险费率市场化,中国保监会经过之前的实验和探索,利用积累的宝贵经验,在2015年开展全国的商业车险市场化改革。从改革至今,车险市场发生了显著变化,不仅解决了“高保低赔”等问题,而且保护了消费者的合法权益,同时财产保险公司也面临着来自改革之前更大的经营压力。本文首先从国内车险市场发展现状和国外车险市场化改革的经验,阐述我国进行商业车险条款费率改革的必要性。其次运用文献研究法和对比分析法,对我国机动车保险费率市场化改革历程进行梳理,并从条款和费率两方面,比较此次商业车险改革与之前条款和费率的变化,包括保费计算方式、费率调整系数、调整保费金额、增减保险责任和责任免除等各方面。然后运用调查研究法,从财产保险公司角度入手,搜集整理公司数据资料,分析车险改革对财产保险公司的经营状况带来变化,并在此基础上进一步总结车险改革带来的机遇与挑战。最后财产保险公司面对车险改革的机遇与挑战,采取相应的应对策略,如全面发挥各销售渠道作用,加强产品创新和提升多样服务,利用车险信息平台,推进车险费率市场化进程,引进先进车联网技术,发挥互联网大数据在车险市场中的应用。
[Abstract]:With the rapid development of Chinese economy and the continuous improvement of people's living standard, automobile becomes the necessity of production and life, so the auto insurance market in our country expands rapidly. Because of the contradiction caused by extensive management, under the prosperous auto insurance market, Many problems have been exposed, such as the vicious competition caused by property insurance companies to occupy market share, the lack of protection of consumers' rights and interests, the perennial losses of many property insurance companies in auto insurance business, etc. In order to ensure the healthy and sustainable development of the auto insurance market, And finally realize the marketization of auto insurance rate. The CIRC has carried out the commercial auto insurance marketization reform in 2015 through previous experiments and explorations, using the valuable experience accumulated. Since the reform, the auto insurance market has undergone remarkable changes. It not only solves such problems as "high insurance and low compensation", but also protects the legitimate rights and interests of consumers. At the same time, property insurance companies are also faced with greater operating pressure from before the reform. This paper first from the domestic auto insurance market development situation and foreign auto insurance market reform experience, This paper expounds the necessity of carrying out the reform of the terms and rates of commercial automobile insurance in China. Secondly, by using the method of literature research and comparative analysis, the paper combs the course of the market-oriented reform of the premium rates of motor vehicles in China, and from the two aspects of terms and rates, Comparing this commercial vehicle insurance reform with the changes in previous clauses and rates, including the way the premium is calculated, the adjustment coefficient of the rate, the adjustment of the premium amount, the increase and decrease of insurance liability, and the exemption from liability, etc. Then, the method of investigation and research is used. From the angle of property insurance company, collect and sort out the company data, analyze the changes brought about by the car insurance reform to the property insurance company's operating condition. Finally, the property insurance companies face the opportunities and challenges of auto insurance reform, and adopt corresponding strategies, such as giving full play to the role of various sales channels. We should strengthen product innovation and enhance various services, make use of vehicle insurance information platform, promote the marketization process of auto insurance rate, introduce advanced vehicle networking technology, and bring into play the application of Internet big data in the auto insurance market.
【学位授予单位】:河北经贸大学
【学位级别】:硕士
【学位授予年份】:2017
【分类号】:F842.634
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本文编号:1654512
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