本文選題：商業(yè)車(chē)險(xiǎn)改革　切入點(diǎn)：條款費(fèi)率　出處：《河北經(jīng)貿(mào)大學(xué)》2017年碩士論文

【摘要】：隨著我國(guó)經(jīng)濟(jì)的飛速發(fā)展和人民生活水平的不斷提升,汽車(chē)成為生產(chǎn)和生活的必需品,因此我國(guó)車(chē)險(xiǎn)市場(chǎng)迅速擴(kuò)大。由于粗放式管理產(chǎn)生的矛盾,在繁榮的車(chē)險(xiǎn)市場(chǎng)下,暴露出許多問(wèn)題,如財(cái)產(chǎn)保險(xiǎn)公司因搶占市場(chǎng)份額造成的惡性競(jìng)爭(zhēng),消費(fèi)者權(quán)益得不到保障,多家財(cái)產(chǎn)保險(xiǎn)公司的車(chē)險(xiǎn)業(yè)務(wù)常年虧損等等。為保證車(chē)險(xiǎn)市場(chǎng)的健康持續(xù)發(fā)展,并最終實(shí)現(xiàn)車(chē)險(xiǎn)費(fèi)率市場(chǎng)化,中國(guó)保監(jiān)會(huì)經(jīng)過(guò)之前的實(shí)驗(yàn)和探索,利用積累的寶貴經(jīng)驗(yàn),在2015年開(kāi)展全國(guó)的商業(yè)車(chē)險(xiǎn)市場(chǎng)化改革。從改革至今,車(chē)險(xiǎn)市場(chǎng)發(fā)生了顯著變化,不僅解決了“高保低賠”等問(wèn)題,而且保護(hù)了消費(fèi)者的合法權(quán)益,同時(shí)財(cái)產(chǎn)保險(xiǎn)公司也面臨著來(lái)自改革之前更大的經(jīng)營(yíng)壓力。本文首先從國(guó)內(nèi)車(chē)險(xiǎn)市場(chǎng)發(fā)展現(xiàn)狀和國(guó)外車(chē)險(xiǎn)市場(chǎng)化改革的經(jīng)驗(yàn),闡述我國(guó)進(jìn)行商業(yè)車(chē)險(xiǎn)條款費(fèi)率改革的必要性。其次運(yùn)用文獻(xiàn)研究法和對(duì)比分析法,對(duì)我國(guó)機(jī)動(dòng)車(chē)保險(xiǎn)費(fèi)率市場(chǎng)化改革歷程進(jìn)行梳理,并從條款和費(fèi)率兩方面,比較此次商業(yè)車(chē)險(xiǎn)改革與之前條款和費(fèi)率的變化,包括保費(fèi)計(jì)算方式、費(fèi)率調(diào)整系數(shù)、調(diào)整保費(fèi)金額、增減保險(xiǎn)責(zé)任和責(zé)任免除等各方面。然后運(yùn)用調(diào)查研究法,從財(cái)產(chǎn)保險(xiǎn)公司角度入手,搜集整理公司數(shù)據(jù)資料,分析車(chē)險(xiǎn)改革對(duì)財(cái)產(chǎn)保險(xiǎn)公司的經(jīng)營(yíng)狀況帶來(lái)變化,并在此基礎(chǔ)上進(jìn)一步總結(jié)車(chē)險(xiǎn)改革帶來(lái)的機(jī)遇與挑戰(zhàn)。最后財(cái)產(chǎn)保險(xiǎn)公司面對(duì)車(chē)險(xiǎn)改革的機(jī)遇與挑戰(zhàn),采取相應(yīng)的應(yīng)對(duì)策略,如全面發(fā)揮各銷(xiāo)售渠道作用,加強(qiáng)產(chǎn)品創(chuàng)新和提升多樣服務(wù),利用車(chē)險(xiǎn)信息平臺(tái),推進(jìn)車(chē)險(xiǎn)費(fèi)率市場(chǎng)化進(jìn)程,引進(jìn)先進(jìn)車(chē)聯(lián)網(wǎng)技術(shù),發(fā)揮互聯(lián)網(wǎng)大數(shù)據(jù)在車(chē)險(xiǎn)市場(chǎng)中的應(yīng)用。
[Abstract]:With the rapid development of Chinese economy and the continuous improvement of people's living standard, automobile becomes the necessity of production and life, so the auto insurance market in our country expands rapidly. Because of the contradiction caused by extensive management, under the prosperous auto insurance market, Many problems have been exposed, such as the vicious competition caused by property insurance companies to occupy market share, the lack of protection of consumers' rights and interests, the perennial losses of many property insurance companies in auto insurance business, etc. In order to ensure the healthy and sustainable development of the auto insurance market, And finally realize the marketization of auto insurance rate. The CIRC has carried out the commercial auto insurance marketization reform in 2015 through previous experiments and explorations, using the valuable experience accumulated. Since the reform, the auto insurance market has undergone remarkable changes. It not only solves such problems as "high insurance and low compensation", but also protects the legitimate rights and interests of consumers. At the same time, property insurance companies are also faced with greater operating pressure from before the reform. This paper first from the domestic auto insurance market development situation and foreign auto insurance market reform experience, This paper expounds the necessity of carrying out the reform of the terms and rates of commercial automobile insurance in China. Secondly, by using the method of literature research and comparative analysis, the paper combs the course of the market-oriented reform of the premium rates of motor vehicles in China, and from the two aspects of terms and rates, Comparing this commercial vehicle insurance reform with the changes in previous clauses and rates, including the way the premium is calculated, the adjustment coefficient of the rate, the adjustment of the premium amount, the increase and decrease of insurance liability, and the exemption from liability, etc. Then, the method of investigation and research is used. From the angle of property insurance company, collect and sort out the company data, analyze the changes brought about by the car insurance reform to the property insurance company's operating condition. Finally, the property insurance companies face the opportunities and challenges of auto insurance reform, and adopt corresponding strategies, such as giving full play to the role of various sales channels. We should strengthen product innovation and enhance various services, make use of vehicle insurance information platform, promote the marketization process of auto insurance rate, introduce advanced vehicle networking technology, and bring into play the application of Internet big data in the auto insurance market.
【學(xué)位授予單位】：河北經(jīng)貿(mào)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F842.634
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本文編號(hào)：1654512