车险费率市场化背景下中小财险公司的经营对策研究保险专业论文.docxVIP

RESEARCH RESEARCH 0N THE MANAGENENT STRATEG I ES 0F SNALL AND NED I UIPS I ZED l NSURANCE CONPANY AUTO I NSURANCE RATES MARKET China’S market—oriented reform auto insurance rates from 200 1 in 2003．China has gradually liberalized insurance product pricing，2009 Beij ing commercial motor vehicle insurance floating premium issued．After years of progress，in recent years，the great progress， 20 1 4 China Insurance Regulatory Commission and the China Insurance Industry Association were released”on deepening the reform of commercial vehicle insurance terms and premium rates management system of guidance(comment draft)”，the Insurance Association of China motor vehicle comprehensive insurance business model provisions(Draft)”to push forward the process of reform．On February 3，20 1 5，the insurance of our country will be issued the guidelines on deepening the reform of commercial vehicle insurance terms and premium rates management system through research and consultation，as China’S insurance industry market reform is an important part of commercial reform of auto insurance rates in the China Insurance Regulatory Commission to vigorously promote，step into the substantive phase of the operation．Jtme 20 1 5 for the first time in 6 regions of the implementation point，in January 20 1 6 expanded to 1 8 pilot areas，pilot areas of commercial insurance business has presented more new features．While the impact of these new characteristics of the property insurance companies is very large，how to adapt to current commercial reform of auto insurance rates is of property insurance company of our country is facing a task of top priority． In the face of market auto insurance rates to promote the deepening of China’S insurance industry especially the small and medium-sized insurance company the profound．Because，at present in China in the past three large insurance companies(PICC，Ping An insurance， Pacific Insurance)occupy most of the market share，accounting for the number of than in II 万方数据