摘要近年来随着中国经济的快速发展，交通日益发达的同时也带来了各种交通事故的隐患，如何进行最大程度的风险规避也成为市民出行必须思考的问题。当前市场上交通意外险产品种类繁多，不同的交通意外险产品有着不同的特点，保险公司如何保证提供乘客出行时能够根据自己搭乘交通工具的不同而选择相对应的交通意外险产品保障，成为最大的挑战。本文试图通过分析我国交通意外险的发展过程中品种研发销售、保险市场竞争激烈等现状和发展面临的成本过高、民众保险意识不强等主要问题，提出诸如政府支持、全方位多角度宣传以便加强民众保险意识和借助网络科技手段方便民众随时随地购买保险等建设性的意见，结合国家对保险业的政策支持分析中国交通意外险行业的发展前景，为中国的交通意外险的发展提供借鉴。45205
毕业论文关键词：交通事故；交通工具；交通意外险；交通意外险产品
Abstract
In recent years, with the rapid development of China's economy, the increasingly well-developed transportation also brings a variety of accident risks, how to make the greatest degree of risk aversion has become public travel must think about. Current traffic accident insurance products on the market a wide range of different modes of transport accident insurance products have different characteristics, how to ensure that insurance companies offer can take according to their choice of transport corresponding to different traffic accident insurance products to protect passengers travel, the biggest challenge. This paper attempts to analyze the cost of the development process of China's traffic accident insurance sales in research and development of varieties, the fierce competition in the market, such as insurance status and facing the development of the high, the public insurance awareness is not strong and other major problem, such as government support, in order to promote all-round multi-angle strengthen the public insurance awareness and use of the network technology means convenience and other people to buy insurance at any constructive comments, combined with the national policy on the insurance industry to support analysis of the development prospects of China traffic accident insurance industry and provide a reference for the development of China's traffic accident insurance.
Key Words：Traffic accidents; transportation; transportation accident insurance; traffic accident insurance products
 目    录
摘 要I AbstractII
一、研究背景及意义1
二、交通意外险产品概述2
㈠交通意外险的基本概念2
㈡交通意外险产品的定义、分类和特点   2
三、我国交通意外险的发展现状与问题4
㈠我国交通意外险的发展现状4
㈡我国交通意外险发展面临的问题6
四、我国交通意外险发展的对策建议8
五、我国交通意外险的发展前景9
参考文献  11
致    谢  12
论交通意外险的发展现状和前景
一. 研究背景和意义
（一）研究背景
随着社会经济的发展和科技的进步，出于工作或生活的需要人们外出的概率大大增加了，出门乘坐各式交通工具成为了我们的生活习惯，发达的交通条件为人们的外出提供了大大的便利；然而近年来，相继发生了诸如温州动车事故、贵州大巴翻车事件、马航mh370失联事件、南宁公交车自燃事件等重大交通事故；这些交通事故的发生使得人们的生命、财产安全受到极大的威胁，在这一背景下交通意外险的作用就突显出来了。
（二）研究意义
交通意外险产品定位的重点应是对突发性的重大意外伤害事故有处理作用的保险制度的建立健全，积极增强乘客的保险意识，扩大自愿保险普及面,以达到规避风险、维护权益的目的。 交通意外险的发展现状和前景:http://www.youerw.com/guanli/lunwen_46526.html