车辆保险理赔项目风险评价与控制研究

发布时间：2018-05-11 13:16

本文选题：车辆保险理赔 + 项目风险管理　；参考：《东北石油大学》2015年硕士论文

【摘要】：当前,车辆广泛应用于生产和生活的各个领域。然而,由于我国的保险业仍处于起步阶段,车辆保险理赔经营管理的理论研究和实践积累都较为薄弱,激烈的市场竞争与多年的积习致使保险理赔中存在很大的风险。因此,降低车险理赔风险,加强风险控制管理,已成为我国车辆保险事业上一个亟待解决与研究的重要课题。基于车辆保险理赔风险控制管理问题在理论上和实践上的重要性,本文以车辆保险理赔项目为基础,对当前国内外车辆保险发展历程和发展现状进行回顾和阐述的同时,结合风险管理的相关理论,详细分析了我国车辆保险理赔项目存在的风险因素及形成的内外部原因,为进一步对车辆保险理赔项目风险评价提供依据;利用层次分析法确定风险因素权重,并运用三角模糊评价方法对车辆保险理赔项目风险进行评价;选取具有一定代表性的太平洋保险支公司的车辆保险理赔项目作为研究的实际依据,对上述评价方法进行验证,指明该车辆保险理赔项目风险管理的必要性,同时针对车辆保险理赔项目风险的具体内容,提出车辆保险理赔项目风险控制的具体控制措施。本文的研究力图探索出车辆保险理赔项目风险控制的规律和方法,借以提出完善我国车辆保险理赔项目风险控制的有效对策。从而为进一步规范我国车辆保险业竞争秩序,促进车险市场场健康、快速的发展提供一定的参考。
[Abstract]:At present, vehicles are widely used in various fields of production and life. However, because the insurance industry of our country is still in its infancy, the theoretical research and practical accumulation of the management of vehicle insurance claims are relatively weak, and the fierce market competition and the accumulation of habits for many years lead to great risks in the insurance claims settlement. Therefore, reducing the risk of auto insurance claims and strengthening risk control management has become an important subject to be solved and studied in China's vehicle insurance industry. Based on the importance of risk control and management of vehicle insurance claims in theory and practice, this paper reviews and expounds the development history and present situation of vehicle insurance at home and abroad, based on the vehicle insurance claim project. Combined with the theory of risk management, this paper analyzes in detail the risk factors and internal and external causes of vehicle insurance claims in China, which provides the basis for further risk evaluation of vehicle insurance claims. Using AHP to determine the weight of risk factors and using triangular fuzzy evaluation method to evaluate the risk of vehicle insurance claims project; This paper selects the vehicle insurance claim project of Pacific insurance branch company as the actual basis of the research, verifies the above evaluation method, and points out the necessity of risk management of the vehicle insurance claim project. At the same time, aiming at the specific contents of vehicle insurance claim project risk, the specific control measures of vehicle insurance claim project risk control are put forward. This paper tries to explore the law and method of risk control of vehicle insurance claim project, so as to put forward effective countermeasures to perfect the risk control of vehicle insurance claim project in our country. Therefore, it provides some reference for further standardizing the competition order of our country's automobile insurance industry, promoting the healthy and rapid development of the auto insurance market.
【学位授予单位】：东北石油大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.634

【相似文献】