北京车险与汽车服务衍生保险研究

发布时间：2019-06-14 15:01

【摘要】：在中国经济迅速发展、产业结构调整转型的时代背景下,车险作为财产保险行业占比最大、影响最广的险种,势必要在保险行业市场化改革的道路上冲锋陷阵。北京地区车险改革的步伐一直没有停歇,从初期的充满波折,已逐步转变为系统化、精细化发展阶段,但是改革过程中暴露出来的问题,仍需要我们深入思考、研究并解决。同时,随着消费者买车用车的新需求不断涌现,新的社会矛盾也随之增多。汽车服务衍生保险对产品创新和服务创新做出了重大突破,有效解决了消费者买车用车的突出问题,进一步提高了保险在汽车服务链上的重要性。作为汽车保险两个组成部分,本文将车险和汽车服务衍生保险作为研究对象,回顾北京地区车险的历史演进以及推动改革的潜在社会矛盾,分析2016年车险改革的要点、成效,研究汽车服务衍生保险发展的必要性、创新特点和经营成效,论述两者对于化解社会矛盾的作用和成效。并且,查找分析改革创新过程中存在共性问题、遗留问题和新问题。最后,对汽车保险的发展提出相应的政策建议,一是要提升保险行业管理水平,有效解决共性问题,二是要深入推进改革,妥善处理遗留问题,三是要提升汽车保险创新和管理水平,缓解过程的新问题,四是要健全车险改革的外部环境。
[Abstract]:In the background of the rapid development of China's economy and the transformation of the industrial structure adjustment, the risk of the vehicle insurance as the property insurance industry is the largest and the most influential risk, and it is bound to submachine in the road of the market-oriented reform of the insurance industry. The pace of the reform of the car insurance in Beijing has not stopped, from the initial full of wave-fold, has gradually changed into a systematic and refined development stage, but the problems exposed in the reform process still need us to think deeply, study and solve. At the same time, with the new demand of the consumer to buy the car, the new social contradiction also increases. The automobile service-derived insurance has made a great breakthrough on product innovation and service innovation, which effectively solves the outstanding problem of the consumer's car-buying vehicle, and further improves the importance of the insurance on the automobile service chain. As two parts of automobile insurance, this paper, as a research object, is to review the historical evolution of the car insurance in Beijing and the potential social contradiction of the reform, and to analyze the key points and effects of the vehicle insurance reform in 2016. The necessity, characteristics and results of the development of automobile service-derived insurance are studied, and the effect and effect of the two on the social contradictions are discussed. In addition, the common problems, the remaining problems and the new problems in the innovation process of the analysis and reform are found. In the end, the corresponding policy suggestions are put forward for the development of automobile insurance. First, to improve the management level of the insurance industry and to effectively solve the common problems, the second is to push forward the reform and properly handle the remaining problems, and the third is to improve the innovation and management level of the automobile insurance and the new problems of the mitigation process. Fourth, we should improve the external environment of the vehicle insurance reform.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.6

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