A财险山东分公司车险理赔减损的研究.pdf

Subject : Research on Cutting the Losses of Automobile Insurance of A Property and Casualty Insurance Company of China, LTD., ShandongBranch Specialty:MasterofBusinessAdministration Name: MuQiang (Signature): Instructor:ChenTiehua (Signature): Abstract The scale of automobile insurance market of Shandongprovince rose rapidly in 2012. Theamountoftherelativepremiumsreached ￥314.21millions(Tsingtaoexcluded),grewat 18.31% accordingly, the amount of the automobile insurance reached ￥256.42 millions , grew at 15.34% accordingly,but all of the companies sufferedbig loss, and that led to the losses of all the companies. The auto insurance of A Property and Casualty Insurance Company of China, LTD. Shandong Branch also run into the dilemma of “high premiums, highpayout,lowbenefit”.Inthepastyear,theratio ofautoinsurance’swrittenpremiums to alltypes of insurance was 74%, and the relative ratio of its loss to othertypes of insurance withlosswas96%. This paper combines the practice of A Property and Casualty Insurance Company of China, Shandong Branch.Under the fact of high written premiums and reasonable expense ratio,thispaperconcludethatitisthehighcomprehensivelossratiocausetheloss,sohowto take measures to lower the comprehensive loss ratio is the key to realize the sound developmentofautoinsurance.Thenanalysesfactorsthataffectthecomprehensivelossratio by dividingthem intohuman risk factors (farther intomoral risk factors andnon-moral risk factors), and natural risk factors, and based on the analysis above,And then combine the current claims flow and situation ofAProperty and Casualty Insurance Company of China, ShandongBranch.bringsforwardsomeproblemsindireneedtosolve,whichleadtothehigh lossratio, includingthe controlofmoralrisk, the optimal allocation ofclaimsresources, the skillimprovemento