我国机动车辆保险理赔服务问题研究
发布时间：2019-05-18 04:36
【摘要】：机动车辆保险是指各种机动车辆由于意外安全事故或自然灾害所造成的机动车辆本身以及相关人财物方面的利益损失,同时,为了减少损失而所采取的有关措施需要承担的合理费用,而向机动车辆保险单位缴纳一定数量金额的保险费用,当被保险的机动车辆发生事故时,保险公司向客户赔付根据保险合约上规定的保险赔偿金。随着机动车辆数量越来越多,因为交通意外事故而导致的人身伤害和财产损失也就随之增加,给我国的社会安全稳定带来一定的消极影响。虽然世界上各国采取了各种相关的管制措施和办法,但是,机动车辆的使用给人们的生命以及财产安全带来许多不确定因素,也就引起了人们对机动车辆保险这一新兴领域的关注。近年来,随着我国机动车辆行业的迅速发展,给我国机动车辆保险业的兴起提供了有利的契机。机动车辆保险行业作为后起的新兴行业,拥有非常好的发展势头,然而,从某个层次上也暴露了我国机动车辆保险理赔运行中的某些问题,例如机动车辆诈险、理赔纠纷、赔付率过高等等。这就使得机动车辆保险投保人与被保险人在处理机动车辆保险理赔过程中可能蒙受一些不必要的损失,此外,也不利于处于起步发展阶段的机动车辆保险行业的健康发展,尤其是机动车辆保险在理赔处理的过程中,机动车辆保险单位的服务方式存在着很多的不足。这些问题严重影响我国机动车辆保险业发展与完善。在国外,从事机动车辆保险理赔服务方面的单位非常多,而且他们在理赔服务方面分工非常细,保险单位与外部单位在考虑自己利益的同时,为了能够让消费者满意,非常注重合作和资源共享。较于欧美发达国家的机动车辆保险行业,我国有些许落后,但并不处于明显劣势。这种差异在于整个车险行业服务理念的不同,而并不是取决于企业的规模大小。论保险行业发展的历史长久,欧美发达国家是很早就开始起步了,在业务方面或者理赔方面都有较为成熟的体系。这些优秀保险理念非常值得我们借鉴学习,再结合我国具体的情况,慢慢探索出一套符合中国国情的保险制度。本文首先简要介绍机动车辆保险理赔服务的研究背景、意义及成果,然后,阐述机动车辆保险以及机动车辆保险理赔服务的相关概念,在此基础上,详细分析机动车辆保险理赔服务模式现状、及机动车辆保险理赔过程存在的问题以及国内外机动车辆保险理赔服务给我们带来的启示,最后,针对我国机动车辆保险理赔服务行业未来的发展趋势及变革提出一些看法及建议。
[Abstract]:Motor vehicle insurance refers to the loss of interests of motor vehicles themselves and related people and property caused by accidents, safety accidents or natural disasters. At the same time, The reasonable cost to be borne by the relevant measures taken to reduce the loss, and to pay a certain amount of insurance fee to the motor vehicle insurance unit, in the event of an accident of the insured motor vehicle, The insurance company pays the customer the insurance compensation stipulated in the insurance contract. With the increasing number of motor vehicles, the personal injury and property loss caused by traffic accidents also increase, which has a certain negative impact on the social security and stability of our country. Although countries around the world have adopted various relevant control measures and approaches, the use of motor vehicles has brought many uncertainties to the safety of people's lives and property, It has also aroused people's attention to the new field of motor vehicle insurance. In recent years, with the rapid development of China's motor vehicle industry, it provides a favorable opportunity for the rise of China's motor vehicle insurance industry. As a new industry, the motor vehicle insurance industry has a very good momentum of development. However, from a certain level, it has also exposed some problems in the operation of motor vehicle insurance claims in our country, such as motor vehicle fraud insurance and settlement disputes. The compensation rate is too high and so on. This makes the motor vehicle insurance policy holder and the insured may suffer some unnecessary losses in the process of dealing with the motor vehicle insurance claim settlement, in addition, it is not conducive to the healthy development of the motor vehicle insurance industry in the initial stage of development. In particular, there are many deficiencies in the service mode of motor vehicle insurance units in the process of claim settlement. These problems seriously affect the development and perfection of motor vehicle insurance industry in China. In foreign countries, there are many units engaged in motor vehicle insurance and settlement services, and their division of labor in claim settlement services is very fine. Insurance units and external units consider their own interests, in order to satisfy consumers. Attach great importance to cooperation and resource sharing. Compared with the motor vehicle insurance industry in developed countries in Europe and the United States, China is a little backward, but it is not in an obvious disadvantage. This difference lies in the difference in the service concept of the whole automobile insurance industry, rather than the size of the enterprise. On the history of the development of insurance industry for a long time, developed countries in Europe and the United States began to start early, in business or settlement of claims have a more mature system. These excellent insurance ideas are very worthy of our study, and then combined with the specific situation of our country, slowly explore a set of insurance system in line with China's national conditions. This paper first briefly introduces the research background, significance and results of motor vehicle insurance claim settlement service, and then expounds the related concepts of motor vehicle insurance and motor vehicle insurance claim settlement service. On this basis, This paper analyzes in detail the present situation of motor vehicle insurance claim settlement service mode, and the problems existing in the process of motor vehicle insurance claim settlement, as well as the enlightenment brought to us by motor vehicle insurance claim settlement service at home and abroad. Finally, In view of the future development trend and reform of motor vehicle insurance claim service industry in China, this paper puts forward some views and suggestions.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.634
本文编号：2479675
[Abstract]:Motor vehicle insurance refers to the loss of interests of motor vehicles themselves and related people and property caused by accidents, safety accidents or natural disasters. At the same time, The reasonable cost to be borne by the relevant measures taken to reduce the loss, and to pay a certain amount of insurance fee to the motor vehicle insurance unit, in the event of an accident of the insured motor vehicle, The insurance company pays the customer the insurance compensation stipulated in the insurance contract. With the increasing number of motor vehicles, the personal injury and property loss caused by traffic accidents also increase, which has a certain negative impact on the social security and stability of our country. Although countries around the world have adopted various relevant control measures and approaches, the use of motor vehicles has brought many uncertainties to the safety of people's lives and property, It has also aroused people's attention to the new field of motor vehicle insurance. In recent years, with the rapid development of China's motor vehicle industry, it provides a favorable opportunity for the rise of China's motor vehicle insurance industry. As a new industry, the motor vehicle insurance industry has a very good momentum of development. However, from a certain level, it has also exposed some problems in the operation of motor vehicle insurance claims in our country, such as motor vehicle fraud insurance and settlement disputes. The compensation rate is too high and so on. This makes the motor vehicle insurance policy holder and the insured may suffer some unnecessary losses in the process of dealing with the motor vehicle insurance claim settlement, in addition, it is not conducive to the healthy development of the motor vehicle insurance industry in the initial stage of development. In particular, there are many deficiencies in the service mode of motor vehicle insurance units in the process of claim settlement. These problems seriously affect the development and perfection of motor vehicle insurance industry in China. In foreign countries, there are many units engaged in motor vehicle insurance and settlement services, and their division of labor in claim settlement services is very fine. Insurance units and external units consider their own interests, in order to satisfy consumers. Attach great importance to cooperation and resource sharing. Compared with the motor vehicle insurance industry in developed countries in Europe and the United States, China is a little backward, but it is not in an obvious disadvantage. This difference lies in the difference in the service concept of the whole automobile insurance industry, rather than the size of the enterprise. On the history of the development of insurance industry for a long time, developed countries in Europe and the United States began to start early, in business or settlement of claims have a more mature system. These excellent insurance ideas are very worthy of our study, and then combined with the specific situation of our country, slowly explore a set of insurance system in line with China's national conditions. This paper first briefly introduces the research background, significance and results of motor vehicle insurance claim settlement service, and then expounds the related concepts of motor vehicle insurance and motor vehicle insurance claim settlement service. On this basis, This paper analyzes in detail the present situation of motor vehicle insurance claim settlement service mode, and the problems existing in the process of motor vehicle insurance claim settlement, as well as the enlightenment brought to us by motor vehicle insurance claim settlement service at home and abroad. Finally, In view of the future development trend and reform of motor vehicle insurance claim service industry in China, this paper puts forward some views and suggestions.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.634
【参考文献】
相关期刊论文 前1条
1 唐倩;;对我国保险营销制度发展趋势的思考——基于国际保险营销制度发展规律角度[J];东方企业文化;2010年15期
，本文编号：2479675
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