汽车保险风险因素分析.doc3.docVIP

佳木斯大学 汽车保险与理赔（jt）课程设计 题 目： 汽车保险风险因素分析 学生姓名： 刘立群 学 号： 专业班级： 交通一班 联系方式： 指导教师： 郭思佳 汽车保险风险因素分析 摘 要 本论通过对风险特征、类别及风险因素的分析，充分得出了汽车在保险实务中风险的控制的具体措施。为了规范车险市场的竞争，保证保险业健康稳定的发展，在中国保险行业协会调解下，机动车交通责任强制保险实行条款、费率、手续费比例和实务四统一，商业机动车辆保险实行行业A、B、C条款和费率规章，这些制度的实施为机动车辆保险更好地发挥经济补偿和社会管理功能，促进社会稳定和谐发展打下了坚实基础。并且交通部门人员加大管理力度，与社会中各界人士一起监督，减少交通事故的发生。 关键词：风险; 风险特征;风险类别;控制措施;费率  Abstract Based on the analysis of risk characteristics, categories and risk factors, the specific measures to control the risk in the insurance practice are obtained. In order to regulate the insurance market competition, to ensure the healthy and stable development of the insurance industry, the insurance industry associations in China mediation, motor vehicle compulsory liability insurance clause and premium rate, the percentage of fees and the practice of the four unified, commercial motor vehicle insurance industry A, B, C under Clause and rate regulations, the implementation of these systems for motor vehicle insurance play a better economic compensation and social management functions, and promote the harmonious development of social stability and lay a solid foundation. And transportation departments to increase management efforts, and the community together to supervise, reduce the occurrence of traffic accidents. Key words: Risk risk characteristic risk category control measuresrate 目 录 1 风险概述………………………………………………………………6 1.1 风险的定义…………………………………………………………6 1.2 风险的控制…………………………………………………………6 1.3 风险的特征…………………………………………………………7 1.4小结…………………………………………………………………8 2保险风险及其因素分析 ………………………………………………9 2.1 保险风险的定义……………………………………………………9 2.2 保险风险的取决因素………………………………………………9 2.3 风险因素分析………………………………………………………9 2.3.1 车辆自身风险因素……………………………………………7 2.3.2 地理环境风险因素……………………………………………10 2.3.3 社会环境风险因素……………………………………………10 2.3.4 驾驶人员风险因素……………………………………………12 2.4小结…………………………………………………………………1