中小财险公司应对车险费率市场化改革对策

发布时间：2018-10-23 14:06

【摘要】：随着我国经济的不断发展,国民人均收入不断提高,加之我国人口基数大,我国机动车辆的保有量也不断的加大。也正因如此,我国车险保费规模逐年扩大,我国保险市场也逐渐具备了实行完全车险费率市场化的能力。同时,为了响应十八届三中全会会议精神,我国从2015年4月1日开始实施深化商业车险费率改革方案。在实施改革方案后,各保险公司开始调整企业经营策略。相对于具有较高竞争力的大型财险公司,此次的改革给中小财险公司带来了更多的挑战和机遇。为了中小财险公司能够更好的面对此次改革,本文对中小财险公司的经营管理策略给出了一些建议。本文第一部分,通过对以往研究资料的分析整理,将我国车险费率市场化历程分为四个阶段。第一个阶段是2003年车险费率市场化的起始阶段,第二个阶段是2009年底北京实施商业车险费率改革,第三个阶段是2010年6月深圳实施商业车险费率改革,第四个阶段是2015年4月开始进行全面费率市场化阶段。第二部分,阐述了中小财险公司在应对车险费率市场化时,可能面对的机遇和挑战。中小财险公司可以结合自身的优势并利用UBI保险实现经营规模的不断扩张。与此同时,车险费率市场化给中小财险公司带来了诸如综合成本率攀升、管理能力不足、创新能力不足、理赔风险加大等挑战。第三部分,通过对深圳车险费率市场化和山东车险费率市场化后,中小财险公司车险业务保费市场份额、赔付规模的分析,得出了中小财险公司在车险费率市场化后的经营状况变得更差了的结论。在深圳市场,中小财险公司的市场规模占比变小。在山东市场,中小财险公司在市场规模没有明显上升的情况下,赔付规模大幅度上升。第四部分,为改善中小财险公司在车险费率市场化后的经营状况,本文分别在承保策略、理赔策略、销售策略和人才发展策略四个方面给出了相应的对策。承保策略包括:规范承保政策制定原则和细化承保条件两部分。理赔策略包括:提升保险业服务能力,塑造公司品牌和完善车险理赔服务相关制度与管理措施两个方面。销售策略包括:构建系统性的促销体系和创新销售渠道。人才发展策略包括:健全人才培养机制和解决人才流失问题。
[Abstract]:With the continuous development of our economy, the national per capita income is increasing, and the population base of our country is large, and the number of motor vehicles in our country is also increasing. Because of this, the scale of auto insurance premium in our country expands year by year, and the insurance market of our country gradually has the ability to carry out the marketization of complete auto insurance rate. At the same time, in response to the spirit of the third Plenary session of the 18th CPC Central Committee, China began to implement the program of deepening the reform of commercial auto insurance rates from April 1, 2015. After the implementation of the reform plan, the insurance companies began to adjust their business strategy. Compared with large property insurance companies with high competitiveness, the reform has brought more challenges and opportunities to small and medium-sized property insurance companies. In order to better face the reform, this paper gives some suggestions on the management strategy of small and medium property insurance companies. In the first part of this paper, through the analysis and arrangement of the previous research data, the marketization process of China's auto insurance rate is divided into four stages. The first stage is the initial stage of auto insurance rate marketization in 2003, the second stage is the implementation of commercial auto insurance rate reform in Beijing at the end of 2009, and the third stage is the implementation of commercial car insurance rate reform in Shenzhen in June 2010. The fourth stage is the stage of overall tariff marketization, which began in April 2015. The second part expounds the opportunities and challenges that small and medium property insurance companies may face when dealing with the marketization of auto insurance rates. Small and medium property insurance companies can combine their own advantages and use UBI insurance to achieve continuous expansion of business scale. At the same time, the marketization of auto insurance rate brings many challenges to small and medium-sized property insurance companies, such as the rising of comprehensive cost rate, insufficient management ability, insufficient innovation ability, increasing risk of claim settlement and so on. The third part, through the analysis of the market share and compensation scale of car insurance business premium of small and medium property insurance companies after the marketization of Shenzhen auto insurance rate and Shandong auto insurance rate. The conclusion that small and medium property insurance companies become worse after marketization of car insurance rates. In Shenzhen market, the market scale of medium and small property insurance company becomes smaller. In Shandong market, small and medium-sized property insurance companies in the market scale has not increased significantly. In the fourth part, in order to improve the operating situation of small and medium-sized property insurance companies after the marketization of car insurance rates, this paper gives the corresponding countermeasures in four aspects: underwriting strategy, settlement strategy, sales strategy and talent development strategy. The underwriting strategy includes: standardizing the principles of underwriting policy and refining the underwriting conditions. Claim settlement strategy includes two aspects: improving insurance service ability, shaping company brand and perfecting related system and management measures of auto insurance claim service. Sales strategies include: building a systematic sales promotion system and innovative sales channels. Talent development strategies include: perfecting the talent training mechanism and solving the brain drain problem.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.634

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