T公司财产损失保险产品定价策略研究
发布时间：2018-07-16 13:12
【摘要】：财产损失保险是指以各种有形的财产为保险标的的财产保险。其主要包括的业务种类有：家庭财产保险、企业财产保险、工程保险、农业保险、航空器保险、运输工具保险、货物运输保险和特殊风险保险等种类。财产损失保险是财产保险公司的传统、重要险种之一。由于车辆保险在中国保险市场监管和保险公司经营中的独特性,本文的财产损失保险指除车辆保险以外的其他财产损失保险。 财产损失保险产品的特点有：1.保险标的是各种物理形态的财产。2.业务性质是组织经济补偿。3.经营内容具有复杂性4.每个独立的单一保险关系具有不等性。 相对于车辆保险而言,财产损失保险目前还有两个突出的特点：1.社会影响覆盖面小,对公众利益影响低,公众了解程度低。2.客户多样性需求决定保险条款即保障的多样性,大部分险种难实现大数法则的规模承保要求。 中国财产保险市场发展水平远低于国际市场水平,公众保险意识低,保险公司经营管理处于世界较低水平。在追赶世界保险业发展的过程中,目前中国财产损失保险正处在从垄断到竞争的发展过程中。 在市场监管方面,2003年保险费率监管制度的改革,迎来了中国财产保险市场的革新。保险公司在此之前都是执行国家监管部门制定的统一的保险产品(包括价格)。在保险价格由市场自主制定的近十年时间里,保险公司经历了保险定价管理从无到有、从错误中不断学习的过程。 中国的保险发展水平和市场格局决定了在目前和未来一段时间内,价格竞争仍然是保险竞争的最重要组成部分。虽然经过近十年的不断摸索,保险公司在财产损失保险产品定价方面积累了一定的经验,但唯精算论和定价随意性等现象交替出现在保险公司定价过程中,保险公司对成本、需求和竞争的研究不够深入和细致,仍未形成成熟、科学的定价策略体系。 而保险定价由于风险的不确定性以及风险发生与经营存在一定时间滞后性的特点,若没有科学、成熟的定价管理体系而随意定价很有可能造成风险的累积爆发和难以挽救的损失。因此保险定价研究是目前保险发展中非常必要和迫切的。 目前车辆保险由于对社会公众影响较大,基本上执行的行业统一制定的统一条款和费率(即价格)。除了车辆保险以外的财产损失保险产品目前也陆续有部分行业监管产品,但由于产品较多,各家保险公司自主制定的范围广,产品定价随意性现象突出。目前在财产损失保险产品定价实务方面的体系化的研究较少。 本文将选取笔者在工作过较长时间T公司为对象,围绕其财产损失保险产品定价的策略,主要结合T公司的定价目标、定价原则、方法的归纳等定价策略确定的相关因素,借鉴国内外非水险产品定价策略的理论,采用理论及实地研究结合的方法分析其定价策略中存在的问题以及值得借鉴的长处,提出相应的改进意见并总结一些值得其他同类企业借鉴的之处。
[Abstract]:Property loss insurance refers to the property insurance with all kinds of tangible property as the subject of insurance. The types of property mainly include family property insurance, enterprise property insurance, engineering insurance, agricultural insurance, aircraft insurance, transport insurance, cargo transportation insurance and special risk insurance. Property loss insurance is the property insurance public. Because of the uniqueness of vehicle insurance in China's insurance market supervision and insurance company management, the property loss insurance of this article refers to other property loss insurance other than vehicle insurance.
The characteristics of property loss insurance products are as follows: 1. the insurance mark is the property of various physical forms.2. business nature is the organization economic compensation.3. operation content is complex 4. each independent single insurance relationship is different.
Compared with vehicle insurance, property loss insurance has two prominent characteristics: 1. social impact coverage is small, the impact on public interest is low, public understanding of the low.2. customer diversity needs to determine the diversity of insurance clauses, which is difficult to achieve the large number of insurance requirements for large numbers.
The development level of China's property insurance market is far below the international market level, the awareness of public insurance is low, and the management of insurance companies is at a lower level in the world. In the process of catching up with the development of the world insurance industry, the insurance of property loss in China is now in the course of the development from monopoly to competition.
In market regulation, the reform of the insurance rate regulation system in 2003 has brought about the reform of the Chinese property insurance market. Before this, the insurance company was a unified insurance product (including the price) that was enacted by the state supervision department. In the nearly ten years that the insurance price was made by the market, the insurance company experienced the insurance pricing management. The process of continuous learning from error.
China's insurance development level and market pattern determine that price competition is still the most important part of insurance competition for a period of time and in the future. Although after nearly ten years of constant exploration, insurance companies have accumulated some experience in the pricing of property loss insurance products, but only actuarial theory and arbitrariness of pricing and so on. Alternately in the process of pricing insurance companies, the insurance companies' research on cost, demand and competition is not thorough and meticulous, and the scientific pricing system has not yet formed.
Because of the uncertainty of risk and the time lag of risk occurrence and operation, insurance pricing is very likely to cause the accumulation of risk and the difficult to save if there is no scientific and mature pricing management system. Therefore, insurance pricing research is very necessary and urgent in the development of insurance. Yes.
At present, vehicle insurance has a large impact on the public, and the unified terms and rates (that is price) are formulated by the industry. In addition to the vehicle insurance, the property loss insurance products are also partly regulated by the industry. There is a lack of systematic research on the pricing practice of property loss insurance products.
In this paper, the author selects the strategy of pricing T company for a long time, focusing on the pricing of property loss insurance products, mainly combining the pricing strategy of T company, pricing principle, method induction and other related factors, drawing on the theory of non water insurance pricing strategy at home and abroad, combining theory with field research. This paper analyzes the problems in the pricing strategy and the merits that should be used for reference, and puts forward some suggestions for improvement and summarizes some points worthy of reference by other similar enterprises.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3
本文编号：2126495
[Abstract]:Property loss insurance refers to the property insurance with all kinds of tangible property as the subject of insurance. The types of property mainly include family property insurance, enterprise property insurance, engineering insurance, agricultural insurance, aircraft insurance, transport insurance, cargo transportation insurance and special risk insurance. Property loss insurance is the property insurance public. Because of the uniqueness of vehicle insurance in China's insurance market supervision and insurance company management, the property loss insurance of this article refers to other property loss insurance other than vehicle insurance.
The characteristics of property loss insurance products are as follows: 1. the insurance mark is the property of various physical forms.2. business nature is the organization economic compensation.3. operation content is complex 4. each independent single insurance relationship is different.
Compared with vehicle insurance, property loss insurance has two prominent characteristics: 1. social impact coverage is small, the impact on public interest is low, public understanding of the low.2. customer diversity needs to determine the diversity of insurance clauses, which is difficult to achieve the large number of insurance requirements for large numbers.
The development level of China's property insurance market is far below the international market level, the awareness of public insurance is low, and the management of insurance companies is at a lower level in the world. In the process of catching up with the development of the world insurance industry, the insurance of property loss in China is now in the course of the development from monopoly to competition.
In market regulation, the reform of the insurance rate regulation system in 2003 has brought about the reform of the Chinese property insurance market. Before this, the insurance company was a unified insurance product (including the price) that was enacted by the state supervision department. In the nearly ten years that the insurance price was made by the market, the insurance company experienced the insurance pricing management. The process of continuous learning from error.
China's insurance development level and market pattern determine that price competition is still the most important part of insurance competition for a period of time and in the future. Although after nearly ten years of constant exploration, insurance companies have accumulated some experience in the pricing of property loss insurance products, but only actuarial theory and arbitrariness of pricing and so on. Alternately in the process of pricing insurance companies, the insurance companies' research on cost, demand and competition is not thorough and meticulous, and the scientific pricing system has not yet formed.
Because of the uncertainty of risk and the time lag of risk occurrence and operation, insurance pricing is very likely to cause the accumulation of risk and the difficult to save if there is no scientific and mature pricing management system. Therefore, insurance pricing research is very necessary and urgent in the development of insurance. Yes.
At present, vehicle insurance has a large impact on the public, and the unified terms and rates (that is price) are formulated by the industry. In addition to the vehicle insurance, the property loss insurance products are also partly regulated by the industry. There is a lack of systematic research on the pricing practice of property loss insurance products.
In this paper, the author selects the strategy of pricing T company for a long time, focusing on the pricing of property loss insurance products, mainly combining the pricing strategy of T company, pricing principle, method induction and other related factors, drawing on the theory of non water insurance pricing strategy at home and abroad, combining theory with field research. This paper analyzes the problems in the pricing strategy and the merits that should be used for reference, and puts forward some suggestions for improvement and summarizes some points worthy of reference by other similar enterprises.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3
【参考文献】
相关期刊论文 前10条
1 赵会军;;中国保险费率管理制度的变迁与改革[J];保险研究;2009年07期
2 姜琴;;企业产品定价决策分析[J];重庆工贸职业技术学院学报;2008年03期
3 付华;;服务企业怎样利用定价策略培育核心竞争力[J];改革与开放;2006年01期
4 刘小勇,孙金华,褚冠全;基于火灾风险评估的企业火灾保险费率的厘定[J];火灾科学;2005年02期
5 邵学清;保险定价发展研究[J];广西经济管理干部学院学报;2003年03期
6 刘清峰;刘金兰;;服务产品价格构成因素及定价策略——基于顾客感知理论[J];价格理论与实践;2005年12期
7 张月莉;史天林;;服务产品定价策略研究[J];价格理论与实践;2008年03期
8 祝向军;考虑再保险要素的保险商品均衡价格形成分析[J];江西财经大学学报;2004年04期
9 孙芳芳;;浅议灰色关联度分析方法及其应用[J];科技信息;2010年17期
10 曾娟;王文;;我国财产损失保险定价方法分析[J];武汉理工大学学报(信息与管理工程版);2006年12期
，本文编号：2126495
本文链接：https://www.wllwen.com/jingjilunwen/bxjjlw/2126495.html
