汽车保险行业现状的研究.docVIP

PAGE PAGE I宜宾职业技术学院毕业论文(设计)PAGE II论汽车保险行业现状 摘 要在全球保险业务中，汽车保险具有举足轻重的地位。车险直接影响到整体财险业务的可持续发展。为此，在机动车辆保险业务中，新保费收入占财险保费收入比例一直维持在60℅以上，是财产保险的一大支柱险种，但是自2000年以来，车险赔付率一直居高不下，其利润贡献度与其保费占比严重不匹配，车险“高保费、高赔付、低效益”的经营现状，直线的车险业务发展战略，加强车险经营管理，抓好承保管理工作，加强理赔管理工作，降低车险赔付率。我国已经开始进入汽车时代，汽车保险业务经营的好坏，不仅事关保险公司自身的经济效益和发展，也影响到保险职能作用的发挥及社会效益的实现，对保障社会稳定和人民的安居乐业发挥着积极的作用。汽车保险现状的具体分析也将在汽车市场的运作和发展上起到积极和重要的作用。关键词：汽车保险；现状；现状Automobile insurance industry current situationAbstract In the global insurance, automobile insurance play a decisive role. Auto insurance directly affect the sustainable development of the whole general insurance business. Therefore, in the motor vehicle insurance business, shall establish new premium income accounts for general insurance premium income proportion has remained in the ℅ above, is a pillar of the property insurance is planted, but since 2000, auto insurance loss ratio is always high, its profit contribution of its premium than serious mismatch, auto insurance high premium, high compensation and low efficiency business situation, straight auto insurance business development strategy, strengthen auto insurance operation and management, and pays special attention to the underwriting management work, strengthens the claims management work, reduce the auto insurance loss ratio.In recent years, our country has begun to enter the automobile era, the quality of motor vehicle insurance business, not only related to their insurance company economic benefits and development, but also affect the insurance function and the realization of social benefits, to safeguard the social stability and the people live and work in peace and plays an active role. Car insurance status of the specific analysis will also be in the car market operation and development plays an active and important role.Key words: Automobile insurance；Current status；Present situation PAGE 25宜宾职业技术学院毕业论文PAGE 4目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc211310478 1 前言 1 HYPERLINK \l _Toc211310479 2 概述 2 HY