汽车保险发展及其我国的保险业存在问题.docVIP

XXXXXXXXXXXXXXXXXXXXX学校 毕业论文（设计） 论文题目班 级 XXX 学 号： XXXXXXXXX 姓 名 X X X 指导老师 X X X 日 期： 年 月 日 汽车保险发展Development of auto insurance and insurance of our country problem[Abstract] The Chinese auto industry has made rapid development, automobile consumption growth will drive the car insurance industry developed rapidly, especially in accordance with the WTO agreement, China will gradually open its insurance market, will face severe challenges the Chinese automobile insurance industry, in recent years, Chinas insurance industry became more and more mature, but the insurance claim this, become Chinas auto insurance problems can not be ignored. Insurance claims is an important part of insurance business, but our insurance operation situation is not ideal, claims to phenomenon is more prominent, mainly reflected in the scene investigation difficult, difficult to investigate and collect evidence, the claim is difficult to control, manage according to the law difficult. The reason why these problems, because the existing social environment directly affects the settling efficiency, such as legal environment is not perfect, credit environment is not ideal, talent environment does not adapt, government responsibility is not clear. The insurance industry should keep pace with the times, perfect legal environment; be of one heart and one mind, the construction of insurance good faith; people-oriented, improve staff quality; strengthen cooperation, use of insurance resources; to create a good social environment, to improve the efficiency of insurance claims.[keyword] In automobile insurance; insurance claim 目录 一、简介保险的发展 1 1、现代保险标志汽车第三者责任险 1 2、汽车保险的起源 1 3、汽车保险的发展成熟 2 4、汽车保险发展的四个阶段 2 5、各国汽车保险市场的发展现状 3 二、我国汽车保险存在的问题 4 1、我国保险理赔低效率的表现 5 2、社会环境影响理赔效率 6 三、对中国汽车保险业的启示 9 1、车险更充分体现了保险的补偿和保障功能 9 2、车险费率厘定因素众多而各国侧重不同 10 3、车险营销以代理为主以服务竞争 10 [参考文献] 15 一、　　现代保险标志汽车第三者责任险　　　　汽车源　　　　　、汽车保险的发展成熟　汽车保险发