《我国车险业务中存在的财务管理问题》5.docx

分类号：学校代码：11460我国车险业务中存在的财务管理问题The problems of financial management in car insurance business of our country所属院(部)：商学院学生姓名：指导教师：研究起止日期：二○一六年十月至二○一七年二月二○一七年五月学位论文独创性声明本人郑重声明：1.坚持以“求实、创新”的科学精神从事研究工作。2.本论文是我个人在导师指导下进行的研究工作和取得的研究成果。3.本论文中除引文外，所有实验、数据和有关材料均是真实的。4.本论文中除引文和致谢的内容外，不包含其他人或其它机构已经发表或撰写过的研究成果。5.其他同志对本研究所做的贡献均已在论文中作了声明并表示了谢意。作者签名：日期：年月日【摘要】近几年，随着家庭汽车拥有量也不断的增加，车险的需求也不断提高。车险作为财产保险的主要成份，因而它的经营状况与财险公司的利润、经营规模有直接联系，同时也与财险公司的可持续发展密切相关。但是，车险市场仍存在一定的问题，如各保险公司开始了激烈的价格战，以期抢夺宝贵的市场份额，并且手续费也渐渐上升，与此同时，面对日渐上升的业务压力。在这种形式下，对车险的财务管理，成本管理成了重中之重。有鉴于此，笔者通过对车险业务财务管理的现状、问题进行了分析，并针对问题提出了改进策略，以期以点带面地透视中国整个车险市场的状况，增强保险公司对车险业务的财务管理能力。【关键词】车险业务； 财务管理； 赔付率【Abstract】In recent years, with the increase of family car ownership also constantly, car insurance demand is increasing. Car insurance as the main ingredient of property insurance, and its operating conditions and general insurance companys profits, a direct link between business scale, but also is closely related to the sustainable development of the insurance company.Car insurance market, however, there are still some problems, such as insurance companies started a fierce price war, in order to snatch valuable market share, and poundage is rising gradually, at the same time, in the face of rising business pressure. Under this form of car insurance financial management, cost management has become top priority.Under this form of car insurance financial management, cost management has become top priority. Because of this, the author through to the car insurance business is analyzed the current situation and problems of financial management, and puts forward improvement strategy in view of the problem, in order to point to show face to penetrate Chinese the car insurance market conditions, the increase of capability of financial management of the car insurance business of insurance companies.【Key words】car insurance business; financial management;loss ration目录一、引言1（一）研究背景1（二）研究意义1（三）研究的主要内容2二、我国车险业务财务管理的现状2（一）新政策的出台2（二）新产品的推出2三、我国车险业务财务管理中存在