机动车辆保险高赔付率问题的研究

内容摘要：我国自二十世纪八十年代全面恢复保险业务以来，保险业发展迅猛。近几年来，保险市场主体急增，市场竞争空前激烈，竞争加快了市场及保险产品的开发和服务质量的提高。机动车辆保险业务作为我国财产保险中的重要支柱，多年来一直占财产险业务收入的60%以上，稳居产险业第一大险种。但是，随着车险市场的快速增长，车险业务的盈利形势却越来越严峻。由于我国车险刚刚起步，各个管理环节尚不完善，导致车险出险频率较高，车险赔付率居高不下，严重超出预定的赔付率上限。车险“高保费、高赔付、低效益”的经营现状，对整体业务的健康、可持续发展产生了巨大的消极影响。从赔付率来看，车险行业的总体赔付率在60%左右。因此，在机动车辆保险业务中加强风险控制，分析与车险赔付风险相关的影响因素，降低车险赔付率，不仅对保险公司的经营管理有着极大的指导意义，而且对于发扬保险保障功能，维护社会稳定，构建和谐社会都有着非常重大的现实意义。本文首先介绍了我国车险市场的发展及现状，指出加强车险赔付的风险控制迫在眉睫。紧接着分析了影响车险赔付概率的主要影响因素，在此基础上，提出一些降低赔付率的可行性建议。
关键词:机动车辆保险,赔付概率,财产保险

Research on High Loss Ratio of Motor Vehicle Insurance
Abstract: Insurance industry has developed fast since our country resumed insurance business in all sides from 1980s.In recent years, the number of main market players of insurance has surged .Competition is really fierce, which improves the service quality and accelerates the speed of exploitation of insurance product. As the important part of property insurance business, motor vehicle insurance business accounts for over 60% in the income of property insurance business all the time for the past many years. Motor vehicle insurance has become the biggest part of property insurance. However, with the fast increase of motor vehicle insurance market, gaining profit is more difficult than the past. The development of motor vehicle insurance is at the beginning and the management is not perfect, which causes the high loss ratio. The high loss ratio exceeds the scheduled upper limit of loss ratio severely. The present situation of "high premium, high loss ratio and low profit" has an enormous passive influence on the healthy and sustainable development of motor vehicle insurance business. From the part of loss ratio, the overall loss ratio of motor vehicle insurance is at the rank of 60%. As a result, lowering the loss ratio through controlling risk and analysing the related factors of inducing high loss ratio not only excises an important role in improving the management of insurance company, but also has a realistic significance in developing the function of social security, maintaining social stability and building up a harmonious society.The paper firstly introduces the basic concept of motor vehicle insurance, then demonstrates the importance of controlling the risk. Afterwards, the paper analyses the main factors that affected the loss ratio of motor vehicle insurance. On these bases, the paper proposes some feasible advice to lower the loss ratio.
Key words: motor vehicle insurance, loss ratio, property insurance

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