商业车险费率条款改革宣导解析.ppt

商业车险条款费率改革介绍 * 地板价影响测算 求和项:整车保费收入 求和项:费改前利润 求和项:费改后整车保费收入 求和项:费改后整车利润 费改前利润率 费改后利润率 保费收入变化 A家用车 2,205,757,763 63,072,752 2,136,897,641 21,808,614 2.86% 1.02% -3.22% B非营业客车 291,719,973 39,507,636 262,426,066 21,872,530 13.54% 8.33% -11.16% C营业客车 121,360,627 7,516,416 93,608,706 -12,616,851 6.19% -13.48% -29.65% D非营业货车 153,807,278 -2,636,610 137,705,282 -14,425,315 -1.71% -10.48% -11.69% E营业货车 625,881,843 -54,534,654 552,236,453 -98,991,620 -8.71% -17.93% -13.34% F特种车 132,009,078 -5,630,306 119,394,572 -15,879,857 -4.27% -13.30% -10.57% G摩托车 73,761,103 -17,718,572 73,761,103 -17,718,572 -24.02% -24.02% 0.00% H拖拉机 54,440 2,888 54,440 2,888 5.31% 5.31% 0.00% I挂车 2,416,186 -105,464 2,416,186 -105,464 -4.36% -4.36% 0.00% 总计 3,606,768,292 29,474,087 3,378,500,449 -116,053,646 0.82% -3.44% -6.76% 采用2014年车险业务数据和当前费用水平静态测试：费改地板价下，预计整车保费收入下降6.76%，保费缺口2.28亿元，车险承保利润率下降4.26个百分点，承保预计亏损1.16亿元。 商业车险条款费率改革介绍 * 地板价影响测算 求和项:整车保费收入 求和项:费改前利润 求和项:费改后整车保费收入 求和项:费改后整车利润 费改前利润率 费改后利润率 保费收入变化 新车 870,084,362 81,755,926 765,110,258 13,929,819 9.40% 1.82% -13.72% 连续三年不出险 142,273,800 26,702,717 111,159,847 5,525,753 18.77% 4.97% -27.99% 连续二年不出险 150,198,038 17,935,427 129,626,528 4,312,534 11.94% 3.33% -15.87% 上年未出险 358,641,989 18,343,414 357,615,108 18,505,132 5.11% 5.17% -0.29% 上年出险1次 317,029,543 -35,607,669 358,248,487 -6,866,764 -11.23% -1.92% 11.51% 上年出险2次 143,074,563 -36,942,247 183,136,121 -10,016,416 -25.82% -5.47% 21.88% 上年出险3次 45,695,242 -7,506,376 49,491,615 -4,991,776 -16.43% -10.09% 7.67% 上年出险4次 14,695,342 -2,234,804 15,183,049 -1,902,312 -15.21% -12.53% 3.21% 上年出险5次及以上 1,727,369 -445,258 1,599,823 -520,0