商业车险市场化改革背景下的我国车联网保险发展研究

发布时间：2019-05-20 07:19

【摘要】：车险作为财险市场上最重要的组成部分,市场影响力巨大。2015年6月,我国推出《深化商业车险条款费率管理制度改革试点工作方案》,首先在6试点地区展开,又于2016年1月扩大到18地区,并逐步推广到全国。改革后,试点地区保险公司费率厘定更科学,风险识别能力有一定提高;保险保障范围扩大,产品供给得到丰富;车险保费总体下降,消费者利益得到增强;但仍有许多问题未解决:车改后保险保大不保小,客户精细化管理未加强;行业竞争加剧,中小财险公司经营更困难;保险公司防灾防损能力依然较弱,车险理赔未得到有效改善。而当前已进入互联网大数据时代,借助车联网技术发展车联网保险能有效解决车险经营中面临的许多问题,对于改善车险经营具有重要的推动作用。同时随着商业车险市场化改革的推进,保险公司的车险自主经营权将扩大,给车联网保险的发展提供了良好契机,在这一背景下,如何以车联网保险为切入点促进我国车险业务创新升级成为具有重要研究价值的突出问题。本文以商业车险市场化改革为背景,重点研究我国车联网保险的发展。首先介绍了我国车险市场的发展新特点,并指出传统车险经营存在的一些主要问题;接着分析了我国商业车险的市场化改革,说明了改革后车险经营中改善的部分问题,同时指出仍未得到有效解决的部分问题;紧接着引入车联网保险,介绍了车联网保险的概念和理论,阐述了我国发展车联网保险的必要性,并从技术角度、市场角度、政策角度分析其可行性,并指出发展车联网保险面临的主要问题;最后借鉴美国前进保险公司、州立农业保险公司,英国CoverBox联合保险公司、Insure the Box保险公司,韩国SK集团的车联网保险发展实践经验,结合我国国情,提出推进我国车联网保险发展的对策建议。
[Abstract]:As the most important part of the property insurance market, car insurance has a great market influence. In June 2015, China launched the pilot work Plan to deepen the Reform of Commercial vehicle Insurance Clause rate Management system, which was first launched in six pilot areas. It expanded to 18 areas in January 2016 and gradually spread to the whole country. After the reform, the rate determination of insurance companies in the pilot area is more scientific, the ability of risk identification has been improved to a certain extent, the scope of insurance protection has been expanded, the supply of products has been enriched, the overall premium for car insurance has been reduced, and the interests of consumers have been enhanced. However, there are still many problems unsolved: after the car reform, the insurance is not small, the fine management of customers has not been strengthened, the competition in the industry has intensified, and it is more difficult for small and medium-sized property insurance companies to operate; Insurance company disaster prevention and damage prevention ability is still weak, car insurance claims have not been effectively improved. At present, it has entered the era of Internet big data. The development of vehicle network insurance with the help of vehicle networking technology can effectively solve many problems in vehicle insurance management, and plays an important role in promoting the improvement of vehicle insurance management. At the same time, with the promotion of the marketization reform of commercial car insurance, the independent management right of automobile insurance company will be expanded, which provides a good opportunity for the development of vehicle network insurance. Under this background, How to promote the innovation and upgrading of automobile insurance business in China has become a prominent problem with important research value. Based on the market-oriented reform of commercial car insurance, this paper focuses on the development of vehicle network insurance in China. First of all, this paper introduces the new characteristics of the development of the automobile insurance market in China, and points out some main problems existing in the traditional automobile insurance management. Then it analyzes the marketization reform of commercial car insurance in China, explains some problems in the improvement of vehicle insurance management after the reform, and points out some problems that have not yet been effectively solved. Then it introduces the concept and theory of vehicle network insurance, expounds the necessity of developing vehicle network insurance in China, and analyzes its feasibility from the technical point of view, market point of view and policy point of view. The main problems in the development of vehicle network insurance are pointed out. Finally, drawing lessons from the practical experience of American forward Insurance Company, State Agricultural Insurance Company, British CoverBox United Insurance Company, Insure the Box Insurance Company and Korea SK Group, combined with the national conditions of our country, This paper puts forward some countermeasures and suggestions to promote the development of automobile network insurance in China.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.634

【相似文献】