我国机动车交通事故责任强制保险的问题解决方案

发布时间：2018-06-16 08:02

本文选题：交强险经营模式 + 费率机制　；参考：《河北大学》2013年硕士论文

【摘要】：机动车交通事故责任强制保险作为我国首个由国家法律规定实行的强制保险制度，，在我国的历史只有短短6年多的时间。虽然该制度在快速处理道路交通事故、保障道路交通事故受害人权益、维护社会和谐稳定等方面都发挥了十分积极的作用，但是也应看到，其经营的过程中还存在着各种各样的问题，严重影响着这项制度发挥其应有的作用。本文结合我国经营交强险业务经营情况的数据，深入分析目前机动车交通事故责任强制保险制度实施情况，并针对实施过程存在的巨额亏损、费用分摊不透明、经营模式弊端等问题,结合国外相关经验和我国具体国情，提出了赋予保险公司交强险定价的权利、制定建立交强险指导性费率形成机制、完善道路交通事故社会救助基金、通过分派和补贴的方式处理高风险业务等解决方案，从而达到优化交强险经营模式，促进交强险健康发展的目的。
[Abstract]:As the first compulsory insurance system in our country, the compulsory insurance of motor vehicle traffic accident liability is only in the history of more than 6 years. Although the system has played a very positive role in dealing with road traffic accidents quickly, protecting the rights and interests of victims of road traffic accidents, and maintaining social harmony and stability, it should also be noted. There are still various problems in the process of operation, which seriously affect the system to play its due role. Based on the data of traffic insurance operation in China, this paper deeply analyzes the implementation of the compulsory insurance system for motor vehicle traffic accident liability, and aims at the huge losses existing in the implementation process and the opaque allocation of expenses. Some problems, such as the malpractice of business model, combining with the relevant experience of foreign countries and the specific conditions of our country, are put forward to give insurance companies the right to price traffic insurance, to establish a mechanism for forming guiding rates of traffic insurance, and to perfect the social relief fund for road traffic accidents. In order to optimize the management mode of traffic strong insurance and promote the healthy development of strong traffic insurance, we can deal with the solutions of high-risk business by way of allocation and subsidy.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.63

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