保险学-费率市场化条件下商业车险业务发展问题的研究论文

费率市场化条件下商业车险业务发展问题研究

【摘要】从2015年开始推行车险费率市场化改革，到改革在全国范围内推广，在各个试点地区产生了各种不同的新现象，这些新事物的出现对各家财险公司的业务经营产生了不同的影响，2020年车险的新一轮改革即将开始，如何去适应当前的市场环境去更好的开展业务成为各家公司的当务之急。

随着车险费改的不断推进，在蓬勃发展的车险市场背后，却存在着产品同质化情况严重、产品价格与价值偏离等情况，在面对车险费率市场化带来的机遇和挑战怎样保证公司业务的正常有序的发展，或者怎样改变公司当前的战略布局，积极去应对市场变化顺应市场潮流，将变得尤其重要。

本文将对商业车险费改背景下车险业务的发展现状和问题进行陈述及分析，重点去分析在第三次车险改革中各家公司即将面临的挑战和机遇，通过分析我国当前的车险市场发展和未来的趋势，同时剖析费率市场化所带来的种种问题，与国外车险改革的例子进行对比，借鉴国外保险公司的经验，提出一些可操作性的建议。

【关键词】费率市场化；商业车险；业务发展

Research on the development of commercial auto insurance business auto insurance rates market background

[Abstract]Since 2015 the car insurance rate marketization reform, the reform in the nationwide promotion, in the pilot areas produced a variety of new phenomenon, the emergence of these new things about the insurance company's business has a different effect, 2020 car insurance is about to begin a new round of reform, how to adapt to the current market environment to better business becomes the company's top priority.

With the continuous promotion and development of the marketization reform of the commercial auto insurance premium rate, behind the prosperous auto insurance market, there may be serious product homogeneity and unreasonable rate determination, etc. Therefore, how to promote the healthy development of auto insurance business under the background of the marketization of the auto insurance premium rate; How to adjust the strategic layout of business development, how to actively respond to market changes will become particularly important.

Commercial insurance will be changed under the background of the development of car insurance business present a statement and analysis of current situation and problems, the key to analysis in reform of the third car insurance companies will face the challenges and opportunities, based on the current situation of the development of the current car insurance market in China and the current problems facing the analysis compared with the experience of foreign car insurance reform, and based on the experience of the foreign insurance company, and Make some practical Suggestions.

【Keywords】Premium rate marketization；Commercial car insurance；Business development

目录

1 前言 (1)

2 商业车险费率市场化改革的现状及发展趋势 (2)

2.1 车险费改革的意义和费率的组成及特点 (2)

2.1.1 车险费率市场化的意义 (2)

2.1.2 车险费率的组成以及特点 (2)

2.2 国内商车费改概况 (3)

2.3 小结 (6)

3 费改背景下车险市场存在的机遇与挑战 (7)

3.1 我国车险市场综述 (7)

3.2 车险费率市场化改革带来的机遇与挑战 (9)

3.2.1 市场机遇 (9)

3.2.2 费率改革带来的挑战 (10)

3.3 小结 (11)

4国外车险改革经验的借鉴 (12)

4.1 美国车险费改 (12)

4.2 德国车险费改 (12)

4.3 日本车险改革 (13)

4.4 国外车险改革的启发 (13)

4.5 小结 (14)

5 车险业务发展建议 (15)

5.1 明确市场定位，细分客户群体进行精细化管理 (15)

5.2 利用互联网大数据作为支持，提高车险费率厘定的精准性 (16)

5.3 结合车险和汽车后市场，提升客户体验，增加客户粘性 (17)

5.4 提高创新能力，提供个性化、多样化产品 (17)