人保财险公司机动车辆损失险.doc

本科学生毕业论文 人保财险公司机动车辆损失险 保险与理赔分析 系部名称： HYPERLINK T 专业班级： 网络打印 A4 6分/页 5分/面 学生姓名： HYPERLINK http;/ 全国话费充值 全国各种产品批发  指导教师： HYPERLINK  全国最质优价廉  职 称： 5分/面 全国网络批发商城 T The Graduation Thesis for Bachelors Degree Loss of Motor Vhicle Insurance and Claims Analysis of PICC Property and Casualty Insurance Co., Ltd. Candidate： Specialty：Automobile Service Engineering Class： Supervisor： Heilongjiang Institute of Technology ·Harbin HYPERLINK  HYPERLINK /  QQ：1251147229 打造中国最大网络批发商城 毕业论文 手机充值 特色美食 PAGE II 摘 要 随着经济的快速发展，我国机动车辆数量迅猛增长，机动车辆保险在国民经济中的作用越来越大，截止到2008年，机动车辆保险保费收入一直占财产险保费收入的73%以上，已经成为财产保险公司的龙头险种。然而机动车辆保险的赔付率却达到60%以上，机动车辆保险的高赔付率导致保险公司的赔付压力过大，保险公司的经济效益受到严重亏损，情况严重的还会导致保险公司无力赔付。由此可知，机动车辆保险是财产保险的规模险种，而并非效益险种。 本文从我国目前的机动车辆保险现状出发，以人保财险公司大连分公司机动车辆损失险为研究的主要对象，介绍机动车辆损失险的工作概况，评价人保财险大连分公司的机动车辆损失险的赔付现状，利用简单的统计学知识，分析人保财险大连分公司的经营赔付情况。通过对机动车辆损失险的赔付现状的研究与分析，针对人保财险大连分公司机动车辆损失险赔付率过高的现象，主要从机动车辆损失险的保险承保与理赔等环节入手，对上述环节产生的问题，分析产生问题的原因，进而提出改善的建议。 关键词：机动车辆损失险；承保；理赔；赔付率；分析 ABSTRACT With the rapid economic development, Chinas rapid growth in the number of motor vehicles, motor vehicle insurance is playing an increasingly important role in the national economy. By the end of 2008, motor vehicle insurance premium income has accounted for more than 73% of property insurance premium , which has become an important position in property insurance company. However, the payment rate of motor vehicle insurance has reached over 60% , high auto insurance rates paid by insurance companies, the result of companies are enormous economic pressure, The companys economic losses have been seriously, leading to a serious inability to pay the loss . This shows, auto insurance is the size of insurance, not profitable one. In this paper, starting on the current situation of the motor vehicle insurance of Chinas auto insurance market , PICC Property and Casualty Company Limited. Dalian Branch as on the subject, Mainly from overview of work of loss of motor ve