我国汽车保险存在的问题研究.doc

经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 精心整理 仅供参考 勿用作商业用途 我国汽车保险存在的问题研究 摘 要 近几年来，人民生活质量的不断提高和国产汽车市场的壮大，刺激着汽车销量不断增长，对于车辆保险市场来说，汽车销量是影响车辆保险的直接因素。车险规模不断扩大，已成财产保险收入主要来源。所以研究汽车保险存在的问题成为车险行业发展的必经之路，本论文首先简述了汽车保险行业的发展现状，论述了汽车保险存在的作用。并针对汽车保险业务不足，提出以下问题：汽车保险存在公民缺乏投保意识和投保心理、汽车保险业务渠道复杂，交易费用较高、汽车保险理赔漏洞大，赔付率高、政府对保险行业监管不到位、保险行业相关人才十分匮乏。针对这些问题提出了相应的对策： 28808 政府相关部门应加大汽车保险宣传，提高风险意识、财险公司应提高车险业务的核心竞争力、职能部门应加强监管力度，预防骗保事件发生、财险公司及高等院校应加强合作，培养汽车保险业务合格人才。 关键词：汽车保险；理赔；市场经济 ABSTRACT In recent years, the continuous improvement of peoples life quality and the expansion of domestic automobile market have stimulated the continuous growth of automobile sales. For the automobile insurance market, automobile sales are a direct factor affecting the automobile insurance. Auto insurance scale is expanding, accounting for the share of property insurance has reached half. Firstly, this paper briefly describes the development status of automobile insurance industry and discusses the role of automobile insurance. The problems of automobile insurance are increasing day by day. The author points out that automobile insurance has some problems, such as citizens lack of insurance awareness and psychology, complicated business channels, high transaction costs, large loopholes in automobile insurance claims, high loss rate, the governments inadequate supervision of the insurance industry, and the shortage of relevant talents in the insurance industry. It is suggested that the relevant government departments should increase the publicity of auto insurance, improve the risk awareness, property insurance companies should improve the core competitiveness of auto insurance business, functional departments should strengthen supervision, prevent the occurrence of insurance fraud, property insurance companies and colleges and universities should strengthen cooperation, train qualified personnel in auto insurance business. Key words: car insurance; Claims; The market economy 精心整理 仅供参考 勿用作商业用途 目 录TOC \o 1-3 \h \u