江西省中小产险公司应对商业车险费率改革的调研报告-保险学专业论文.docxVIP

Contents1 Contents 1 Introduction - ‘ ’1 1．1 Thebackgroundofthe research ·1 1．2Thepurposeofthe research· ····· · · ·· · ···· · ····· ····· ··‘3 1．3 The structure ofthe research report · ··· · · ‘ · 3 1．4Theimplementationprocessofthe research 。4 2 The necessity,contents，and significance of commercial auto insurance premium reform． 5 2．1 The necessity of the commercial auto insurance premium reform 5 2．1．1_nle irrational structure ofauto insurance market 一5 2．1．2 The unscientific determining manners ofpremium 8 2．1．3 The growing attentionto auto insurance market ’8 2．2 The main contents of the commercial auto insurance premium refornl‘ ·‘9 2．2．1 Optimizingthe constitute ofsubjectpremium ·· ···· 9 2．2．2 Simplifying the composition ofpremium rate adjustment coefficient 10 2．3 The significance of the commercial auto insurance premium reform‘·····_·。1 1 2．3．1 It makes for promoting the upgrading and transformation of small and medium-sized property and casualty insurance companies 1 1 2．3．2 It makes for creating a win-win situation between vehicle insurance companiesand consumers‘· · ···-······ ····· ·· ··-·· ·‘11 2．3．3 It makes for playing its role ofsocial management ‘12 3 The development situation of auto insurance business of small and medium-sized property insurance companies in Jiangxi province 13 3．1 The rapid growth of auto insurance business of small and medium。sized propertyinsurance companiesin Jiangxiprovince ‘13 3．1．1 Prominent role ofauto insurance business ··13 3．1．2 Rapid expansion of auto insurance business scale 一14 3．1．3 Strong shareholders’supports 一14 3．2 The weak competitiveness of auto insurance business of small and medium·sized property insurance companies in Jiangxi province’ 1 5 3．2．1 Fewbranches ·- ‘15 3．2．2 Lowmarket share ·-·····- - 15 3．2．3 High cost ·’16 III 万方数据 3．2．4 3．2．4 Outstanding problems oftelemarketing channels 17 4 The opportunities and ehaHenges under the commer