外资全面开放背景下我国交强险发展路径探讨（可编辑）.docVIP

外资全面开放背景下我国交强险发展路径探讨 摘要：交强险的全称是机动车交通事故强制责任保险，它是我国第一个根据国家法律规定实行的强制性保险制度，以机动车车辆作为保险标的，目前主要由中资保险公司承保，在责任限额内对被保险机动车发生事故造成受害人（不包括本车人员和被保险人）的人身伤亡或财产损失给予赔付。本文共分为三个部分，第一部分是对交强险相关概念以及其法律特征的描述；第二部分是对外资全开放背景下我国交强险市场存在的问题进行分析；第三部分是针对目前我国交强险所存在的问题，结合我国的综合背景提出相关的建议对策。随着全国私家车数量的增多，交强险与人民生活的关系也越来越密切。交强险已成为车辆安全出行的重要保障之一，因此，我国交强险市场的发展改革任重而道远，不能凭一时的冲动，盲目冒进，要在认真做好市场调研、做好充分论证的基础上，结合具体的情况，借鉴国外的先进经验，采取积极稳妥、分步骤、有计划的方法循序渐进的完成我国交强险市场的改革，使我国保险业务产生质的飞跃。 关键词：我国 交强险 市场改革 Abstract: the full name of the insurance is compulsory motor vehicle traffic accident liability insurance, it is the first in our country according to law provisions of the state shall practise a system of a kind of compulsory insurance, and motor vehicle car both as insurance mark, mainly by the insurance of insurance company accept insurance, within the limit of liability of the insured motor vehicle road caused the victim (not including the local workers and the insured) of life or personal injury, property damage compensation. This article is divided into three parts, the first part is about insurance related concept and its legal characteristics described; The second part is open to all foreign under the background of our country insurance market the analysis of existing problems; The third part is the view of the existing problems in the insurance in China, in combination with the comprehensive background of the our country related countermeasures and Suggestions are put forward. Along with the increase in the national private vehicles, insurance with the peoples life is becoming more and more closely. Insurance has become one of the important guarantee to realize our country automobile industry policy, therefore, the development of insurance market in China to reform a long way to go, cant, impulsively aggressive blindly, to do market research, and to make sufficient demonstration on the basis of combining with the specific situation, draw lessons from foreign advanced experience, and actively yet prudently, steps,