东北农业大学学士学位论文 学号 A08090004.doc

东北农业大学学士学位论文 　　　　　　　　　　学号：我国机动车辆保险的问题及对策（以人保为例） Problems and Countermeasures of Chinese motor vehicle insurance (with PICC for example) 学生姓名：郭远航 指导教师：李丹 所在院系：经济管理学院 所学专业：保险系 研究方向：保险 东 北 农 业 大 学 中国·哈尔滨 2013 年 5 月摘要 随着经济和社会的不断发展，人们生活水平的日益提高，机动车辆保险被广泛应用于生产和生活的各个领域。中国是世界上最大最有潜力的机动车辆保险市场,但与发达国家相比,中国机动车辆业实力相对薄弱,能否抓住机遇扬长避短,充分发挥我国保险业的地域优势占领更多的市场,我国保险业面临着严峻的挑战。特别是近几年来，在人保财险公司车险改革不断推进的同时，逐渐暴露出一系列问题。这些问题表现在：车险增量近似枯竭；，电话车险逐渐开始遭遇瓶颈模式；而且在承包与理赔方面出现了较多的问题；保险欺诈也一直有着隐患。 为了在今后的车险市场竞争中继续保持优势，人保财险公司必须采取相应的对策来解决当前存在的问题。本文认为应通过对车险保单形式的创新；加强保险监管和行业自律,规范竞争行为；导向多元化的服务；针对理赔难采取有效的措施等来完善管理，以促进人保财险公司车险业务的健康发展。 关键词： 人保财险公司；机动车辆保险；发展现状 Problems and Countermeasures of Chinese motor vehicle insurance (with PICC for example) Abstract Along with the development of economy and society and the increase of the peoples standard of living.vehicles are extensive used for production and life in each realm.China is the worlds largest and most potential of the motor vehicle insurance market, but compared with developed countries, China motor vehicle industry strength is relatively weak, whether seize opportunity to foster strengths and circumvent weaknesses, give full play to Chinas insurance industry, geographical advantages to occupy more of the market, Chinas insurance industry faces severe challenges. Especially in recent years, a series of problems are exposed during the motor vehicle insurance reformation in PICC.These problems manifested in: Auto increment approximation depletion； telephone car insurance gradually began to encounter bottlenecks pattern, ; and in the contract and claim there more problems; insurance fraud has been a hidden danger. In order to continue keeping the advantage in the motor vehicle insurance market in the future , PICC Property Insurance Company must take measures to solve the current problems. The article thinks should be based on the innovation of insurance policy form; to strengthen the insurance regulatory and industry self-discipl