我国机动车辆保险理赔问题研究

发布时间：2018-05-12 01:13

本文选题：车险理赔现状 + 中日对比研究　；参考：《山东大学》2013年硕士论文

【摘要】：随着我国经济的飞速发展,自1996年至今,我国机动车保有量平均每年的增长量高达14.6%,其中2013年1至5月份新车销量增速和机动车辆保险保费增速分别为13.2%和16%。良好的经济发展带动机动车需求的同时,也促进了机动车辆保险在最近17年的飞速发展。但是,在我国机动车辆保险业务高速发展的背后,也同时存在着保险经营主体“重展业、轻理赔”等客观问题,并且直接导致机动车辆保险理赔服务无法完全满足保险消费者的实际需求,“车险理赔难”成为机动车辆保险经营中的突出问题,严重降低了保险消费者对机动车辆保险的认可度,降低了车险行业的公信度。这不仅引起了业界的高度关注,而且引起了保监会的高度重视,针对机动车辆保险理赔问题研究的重要性日益凸显。论文主要分为以下五个部分：第一部分是我国机动车辆保险理赔现状,该部分结合近期参与的研究课题,综合阐述了国内机动车辆保险理赔现状并与日本的机动车辆保险理赔作对比研究。第二部分以我国机动车辆保险经营全流程为基础,深入分析机动车辆保险理赔存在的问题。第三部分根据发现问题,以理论研究为基础,通过搜集数据并利用计量经济学方法分析数据、找出规律,集合自身工作实践提出创新解决方案。第四部分为创新方案的实证分析,重点阐述解决方案的实践论证。第五部分总结论文的全部研究成果,并对我国机动车辆保险理赔及理赔管理的方向提出建议。
[Abstract]:With the rapid development of China's economy, the average annual growth of motor vehicle ownership in China has been as high as 14.6% since 1996. The growth rate of new car sales and motor vehicle insurance premium in January to May 2013 are 13.2% and 16.4% respectively. Good economic development drives the demand for motor vehicles, but also promotes the rapid development of motor vehicle insurance in the last 17 years. However, behind the rapid development of motor vehicle insurance business in our country, there are also some objective problems, such as "redistributing the insurance business rather than settling claims", and so on. As a direct result of motor vehicle insurance settlement service can not fully meet the actual needs of insurance consumers, "vehicle insurance claims difficult" has become a prominent problem in motor vehicle insurance management. It seriously reduces the insurance consumers' recognition of motor vehicle insurance and reduces the credibility of the auto insurance industry. This not only caused the industry to pay close attention to, but also caused the CIRC to attach great importance to the issue of motor vehicle insurance claims. The thesis is divided into the following five parts: The first part is the status quo of motor vehicle insurance claims in China. This part, combined with the recent research topics, comprehensively expounds the current situation of motor vehicle insurance claims in China and makes a comparative study with Japanese motor vehicle insurance claims. The second part, based on the whole process of motor vehicle insurance in China, deeply analyzes the problems existing in motor vehicle insurance claims. In the third part, according to the discovery problem, based on the theoretical research, through collecting the data and analyzing the data by econometrics method, find out the law, and set up the innovative solution of the work practice. The fourth part is the empirical analysis of the innovative scheme, focusing on the practical demonstration of the solution. The fifth part summarizes all the research results of the thesis, and puts forward suggestions on the direction of motor vehicle insurance claims and claim management in China.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.63

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