车险费率市场化背景下的财险公司经营转型研究
关键词：车险费率市场化； 财险公司； 经营转型
Abstract
Though the With China's sustained and rapid economic and social development, people's living standards greatly improved, vehicles have been walking into the homes of ordinary people. In the huge market of vehicles driven by the auto insurance are increasingly the concern of the community. However in auto insurance market development grow of process in the, also has been exists with high insurance low lost, and no accountability not lost, and insurance fraud and claims not in place, for consumers by criticized of phenomenon, rates determined also no with Business transformation of pace, customer satisfaction degrees General not high, for solution this class problem, improve insurance company of business level and increased profit space, auto insurance rates of market reform imperative. However, most insurance companies in the country, and motor vehicle insurance occupies absolute proportion of car insurance rate reform is forcing companies to increase operational capacity and increase the insurance risk control inputs. New provisions on insurance companies ' ability to identify the risks, pricing, quality of personnel, have put high demands, that certainly adds to the uncertainty of operating costs and profits of insurance companies. This will also greatly impact insurance company premiums and reallocation of market share. Insurance companies would be to play in the reform which impacts and challenges, and what measures should be taken to meet the auto insurance market reform, to hold their position in the wave of reform, maintain the capacity for sustained profitability, which will be the focus of this paper.
Key words： Auto insurance rates market；Property insurance company； Business transformation
目 录
摘 要 Ⅰ
Abstract Ⅱ
一、车险费率市场化的改革背景 1
（一）费率系数的变动 1
（二）示范条款的变动 3
（三）三类机构的功能和作用的定位 3
二、车险费率市场化对财险公司的影响 4
（一）增加经营成本，压缩部分利润空间 4
（二）对财险公司经营能力的要求更高 4
（三）定价主动性提高，存在一定经营亏损风险 5
（四）冲击第三方代理渠道 5
（五）冲击电网销渠道 6
（五）财险公司产生不良竞争 6
三、财险公司在车险费率市场化背景下的转型经营建议 7