A公司车辆保险业务亏损原因与对策的研究

发布时间：2018-11-08 08:23

【摘要】：随着我国车辆保险的不断发展,保险公司主体的不断新增,车主需求的不断提升和责任保障范围的扩大,以及行业内的竞争日趋白热化,A公司在车辆保险的业务经营活动中正处于一种较为被动的状态,无论是业绩的发展规模还是保险收益利率都在渐渐退步落后。目前,车辆保险业务发展至今,尤其是近年来已在整个保险市场上处于一种主导性的地位,各财险公司都以车辆保险做为龙头险种。在整个商业险领域中处于主营险种,占比最高。本文以作者所在的A公司为实例,通过近些年A公司车辆保险的经营业绩分析,来分析亏损的原因,再结合这些原因提出解决的方案与策略。本文参考了国、内外众多车辆保险的学术性文献,结合A公司的自身情况,从国家对车辆保险的政策和背景开始研究,从上往下层层解析,包括对《新机动车辆保险条款》的研究,对车辆保险市场的环境分析,车辆种类的定义、车辆使用性质的定性等,以及车辆承保时的风险控制,出险后的理赔工作,通过大量的数据分析,来研究和判断车辆保险的盈亏平衡点所在,并运用较为先进的经营理念,提出了险种的创新模式、建立车商团队、加强客户服务等方法,对A公司车辆保险如何扭亏为盈提出了一些改善策略,提供了一些新的营销思路。
[Abstract]:With the continuous development of the vehicle insurance in our country, the main body of the insurance company is increasing, the demand of the vehicle owner is increasing, the scope of the responsibility protection is expanding, and the competition in the industry is becoming more and more intense. Company A is in a more passive state in the business activities of vehicle insurance, both the scale of development of performance and the interest rate of insurance income are gradually falling behind. At present, the development of vehicle insurance business, especially in recent years has been in a leading position in the entire insurance market, all property insurance companies take vehicle insurance as the leading insurance. In the entire commercial insurance field in the main type of insurance, account for the highest proportion. In this paper, the author's company A as an example, through the analysis of the operating performance of company A in recent years, to analyze the reasons for the loss, and then combine these reasons to put forward solutions and strategies. This paper refers to the academic literature of domestic and foreign vehicle insurance, combined with the situation of company A, starting with the national policy and background of vehicle insurance, and analyzing from the top to the bottom. Including the study of the "New Motor vehicle Insurance Clause", the environmental analysis of the vehicle insurance market, the definition of the vehicle type, the qualitative nature of the use of the vehicle, and the risk control when the vehicle is insured, and the settlement of claims after the insurance. Through a large amount of data analysis, this paper studies and judges the break-even point of vehicle insurance, and puts forward the innovative mode of insurance, the establishment of car dealer team and the strengthening of customer service, etc. This paper puts forward some improving strategies and some new marketing ideas on how to turn losses into profits in company A's vehicle insurance.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.634

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