家庭轿车保险理赔存在的问题及分析006精选.doc

郑州交通职业学院 毕 业 论 文 论文题目：家庭轿车保险理赔存在的问题及分析 所属系别： 经济管理系 专业班级： 10级保险实务1班 姓 名： 孙志成 学 号： 201008050630001 指导老师： 撰写日期 2013 年 4 月 摘 要 伴随着2009年我国汽车下乡、以旧换新政策的实施，汽车产业达到前所未有的发展，汽车保险行业更是犹如雨后春笋般兴起。多年以来，我国汽车保险业务在保险市场上一直是最大的单险种业务，是财产保险业务中重要的支柱险种。日益增长的汽车消费对汽车保险业务各个环节的要求越来越高．尤其是汽车保险理赔环节。为了建立合理完善的车险行业，有效应对国外同行业的竞争，促进国内汽车保险市场健康、快速的发展，本文结合实际对汽车保险理赔常见问题进行深入研究，从相关方面提出了创新汽车保险理赔的相关措施，以促进国内汽车保险行业的健康发展。 关键词：汽车保险,理赔,问题，分析 Abstract With 2009 cars to the countryside in our country, to the old, in the implementation of the new policy, an unprecedented development of the auto industry, auto insurance industry have mushroomed rise. Over the years, our country automobile insurance in the insurance market has been the biggest single danger to plant business, is the important pillar of property insurance coverage. Growing automotive consumer demand for automobile insurance business of each link is higher and higher. Especially in car insurance claims. In order to establish reasonable perfect car insurance industry, effectively cope with foreign competition in the industry, promote the development of domestic automobile insurance market health, rapid, combining with the practical to conduct the thorough research to the common problems in car insurance claims, and puts forward the innovation from the aspects of auto insurance claims related measures, in order to promote the healthy development of domestic automobile insurance industry. Key words: car insurance, claims, questions, analysis  目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc352606747 1 引言 PAGEREF _Toc352606747 \h 1 HYPERLINK \l _Toc352606748 2 保险理赔存在主要问题及原因分析 PAGEREF _Toc352606748 \h 1 HYPERLINK \l _Toc352606749 2.1汽车保险业务高赔付率分析 PAGEREF _Toc352606749 \h 1 HYPERLINK \l _Toc352606750 2.2汽车保险业务高赔付率的原因 PAGEREF _Toc352606750 \h 1 HYPERLINK \l _Toc352606751 3 车险业务理赔纠纷分析 PAGEREF _Toc352606751 \h 2 HYPERLINK \l _Toc352606752 3.1车险理赔纠纷