从“劳斯莱斯被撞”事件看中国车险制度不完善问题

发布时间：2018-05-11 12:08

本文选题：豪车 + 中国车险制度　；参考：《辽宁大学》2014年硕士论文

【摘要】：近年来，中国的经济发展越来越快。随着经济快速发展，中国富人阶层的数量也越来越多。据一项权威调查报告显示，目前我国富裕家庭的数量达到了300万户。预计到2017年时将会达到450万户，很快就会赶上一些发达的国家的数量，例如美国和日本。由于中国富人阶级的特殊心理，豪车便受到了他们青睐。据国家信息统计的数据可知：2002年至2010年中国的豪车市场有三个增长高峰，2003年、2006年豪车增长量分别为67.0%和75.4%，到2010年竟然达到80%。当然豪车上路的频率也会增加，普通车和豪车相撞的概率的也会加大。由于豪车价值大，维修费用较高，有的甚至高达几十万，一旦相撞，普通车车主可能就会倾家荡产，给他们的生活带来极大的负担。豪车被撞事件带来了很多不良的社会影响，如何解决这类问题，迫在眉睫。本文主要分成五部分。第一部分首先主要对豪车的定义进行简单的介绍，接着阐述中国豪车的目前宏观状况，继而分析中国富人阶层对豪车消费的心理；第二部分首先介绍豪车被撞的事件案例以及此事件的处理办法，接着通过三个方面来阐述豪车被撞事件给社会带来的不良影响；第三部分主要是利用保险学相关理论对豪车被撞事件引发问题进行剖析研究，从我国相关法律的确立和相关保险制度的不完善，现有车险条款中存在的问题，缺少针对豪车的险种和人们保险意识淡薄，这四个方面进行阐述分析；第四部分主要介绍中国香港及国外发达国家加拿大、德国、美国，日本这些国家的保险公司在处理豪车被撞的方法；最后一部分主要是针对豪车被撞事件所提出的一些有效的措施。本文的创新之处在于理论与实际案例相结合，通过对“劳斯莱斯”被撞典型案例的介绍分析，从保险理论的角度来分析我国现有保险制度不完善之处，以及我们应该采取什么的措施来解决此类事件，使我国保险能够更好的发展。交通出行与人们的生活息息相关，，在中国这个交通阻塞比较严重的国家，由于经济的快速发展，豪车的数量也逐渐增多，因此普通车与豪车相撞的概率就会增大。特别是最近两年的“豪车被撞”事件引起了人们的极大关注。这给普通车车主带来了极大的心理恐慌，以至于他们见到豪车就躲。截止到目前几乎没有就这个问题进行全面地、系统地研究的论文。因此本论文选题具有前沿性。本课题主要从保险理论的角度并结合实际，就此类问题进行了深入的分析和研究，并提出有效的解决策略。在豪车被撞事故发生后，通过采用这些有效措施不仅能减少普通车车主的心理和生活压力，而且能让豪车车主得到很好的补偿；也能使他们都能够在路上放心的行驶，更能够起到使社会更加稳定和谐的效果。
[Abstract]:In recent years, China's economy is growing faster and faster. With the rapid development of the economy, the number of rich people in China is increasing. According to an authoritative survey report, the number of wealthy families in China has reached 3 million. The number of households is expected to reach 4.5 million by 2017 and will soon catch up with the number of developed countries, such as the United States and Japan. Because of the special psychology of China's rich class, luxury cars were favored by them. According to the statistics of national information, there are three growth peaks in China's luxury car market from 2002 to 2010. In 2003 and 2006, the growth of luxury cars was 67.0% and 75.4% respectively, and reached 80% in 2010. Of course, the frequency of luxury cars on the road will also increase, ordinary cars and luxury cars will be more likely to collide. Because of the large value of luxury cars, high maintenance costs, some even as high as hundreds of thousands, once collided, ordinary car owners may be destroyed, bringing their lives a great burden. The crash of luxury cars has brought a lot of adverse social impact, how to solve such problems, imminent. This paper is divided into five parts. The first part mainly introduces the definition of luxury car, then expounds the current macro situation of luxury car in China, and then analyzes the psychology of the wealthy class in China on luxury car consumption. The second part first introduces the case of luxury car collision and how to deal with the incident, then through three aspects to explain the impact of luxury car collision on the society; The third part is to use the theory of insurance to analyze and study the problems caused by the crash of luxury cars, from the establishment of relevant laws and related insurance system imperfect, the existing car insurance provisions in the existing problems, The fourth part mainly introduces China, Hong Kong and developed countries such as Canada, Germany and the United States. Insurance companies in these countries are dealing with the impact of luxury cars; the last part is about some of the effective measures proposed in response to the crash. The innovation of this paper lies in the combination of theory and practical cases. Through the introduction and analysis of the typical case of Rolls-Royce, the author analyzes the imperfections of China's existing insurance system from the angle of insurance theory. And what measures we should take to solve such incidents, so that our insurance can be better developed. Traffic travel is closely related to people's life. Because of the rapid development of economy, the number of luxury cars increases gradually in China, so the probability of collision between ordinary cars and luxury cars will increase. In particular, the last two years of the "luxury car crash" incident caused great concern. This brings so much panic to ordinary car owners that they hide when they see luxury cars. So far, there is almost no comprehensive, systematic research on this issue. Therefore, the topic of this paper has the vanguard. From the point of view of insurance theory and practice, this paper makes a deep analysis and research on this kind of problems, and puts forward effective solutions. After the crash of a luxury car, adopting these effective measures can not only reduce the psychological and life pressure of ordinary car owners, but also make the owners of luxury cars get good compensation, and also enable them to travel safely on the road. More can make the society more stable and harmonious effect.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.634

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