汽车保险理赔的效率研究（毕业学术论文设计）.docVIP

本文可免费下载，只需在本平台注册并通过邮箱验证-会员中心-个人设置”页面的“发送认证邮件，即可获得50积分(没有积分的朋友可以收藏或分享本文、订阅此刊，方便以后阅读) 汽车保险理赔的效率研究 摘 要 由于车险是财险公司的绝对龙头业务,占各财险公司总业务量的70%甚至更高,因此,车险理赔处理的好坏直接决定着保险公司的未来，但是近几年汽车保险业出现了投保容易理赔难的现象，和往年多车主在车辆出险后得不到即使的理赔，在理赔中经常遇到各种各样的困难，然而出险这些困难的原因有很多，有些来自保险公司的原因，一部分是4S店的原因，还有一部分是来自投保人自身的原因。 影响保险公司理赔效率的因素主要来自于保险公司的管理，还有保险人员的工作能力。影响4s店理赔效率的因素主要来自于配件的价格还有保险接待的工作能力还有与保险公司的合作情况，影响投保人的因素有投保人十分对保险知识的认知。 在实际工作中，三种关系人（保险公司保险员，4s店定损员，投保人）经常出现很多问题，保险公司保险员的工作能力，4 s店配件水分，投保人骗险和侥幸心理，都会影响保险理赔的效率。 解决保险理赔的方法就是要根据问题所在然后处理和解决。 在写作过程中，本文通过自己的实习经历和实际，应用于实践的科学性。 关键词：理赔 效率 改进 The efficiency of the car insurance claims Abstract Because the company property insurance is absolutely leading business, accounting for the general insurance company 70% of its total business volume is even higher Therefore, the stand or fall of compensate of car processing directly decides the insurance companys future, But in recent years the insurance car appeared to insurance claims difficult phenomenon, And from the vehicle owner after be or get out of danger of not even claim, in the manage compensate frequently encountered in all kinds of difficulties, however be or get out of danger these difficult, many reasons, some from the insurance companys reason, part of it is the cause of the 4 S shops, and part of it is the cause of their own from the applicant The insurance company claims the efficiency of the influence factors to the management of the company from insurance, and insurance personnel work ability. Influence of 4 s inn claims the efficiency of the main factors from the price of accessories and reception working ability still have insurance and insurance companys cooperation, the influence of factors have policy-holder is policy-holder to insurance knowledge In actual work, three kinds of relations (insurance company BaoXianYuan, 4 s shops charge member, policy-holder) often appear many problem, the insurance company BaoXianYuan work ability, 4 s inn accessories moisture, policy-holder cheat risks and flu