本文選題：車險(xiǎn)理賠　切入點(diǎn)：減損　出處：《西安科技大學(xué)》2014年碩士論文

【摘要】：山東省財(cái)產(chǎn)險(xiǎn)保險(xiǎn)市場(chǎng)規(guī)模在2012年依然呈現(xiàn)了較快的增長(zhǎng)趨勢(shì)，截至2012年12月，全省（不含青島計(jì)劃單列市）實(shí)現(xiàn)保費(fèi)收入314.21億元，同比增長(zhǎng)18.31%，其中機(jī)動(dòng)車輛保險(xiǎn)實(shí)現(xiàn)保費(fèi)收入256.42億元，同比增長(zhǎng)15.34%，車險(xiǎn)業(yè)務(wù)占產(chǎn)險(xiǎn)公司全部業(yè)務(wù)的比重達(dá)到了81.61%。然而，各保險(xiǎn)公司的車險(xiǎn)業(yè)務(wù)均出現(xiàn)了不同程度的虧損，截至2012年12月，，全省車險(xiǎn)業(yè)務(wù)虧損達(dá)19.10%，實(shí)際虧損10.56億元。A財(cái)險(xiǎn)山東分公司的車險(xiǎn)業(yè)務(wù)同樣陷入了“高保費(fèi)，高賠付，低效益”的經(jīng)營(yíng)困境，截至2012年12月，A財(cái)險(xiǎn)山東分公司車險(xiǎn)保費(fèi)收入占總保費(fèi)的74%，車險(xiǎn)虧損額卻占公司虧損險(xiǎn)種總虧損額的96%。 本文結(jié)合A財(cái)險(xiǎn)山東分公司車險(xiǎn)理賠現(xiàn)狀，研究造成當(dāng)前車險(xiǎn)經(jīng)營(yíng)困境的深層次原因，通過(guò)對(duì)影響經(jīng)營(yíng)利潤(rùn)的各項(xiàng)因素包括保費(fèi)收入、綜合賠付率和綜合費(fèi)用率的分析，由于綜合費(fèi)用率維持在正常水準(zhǔn)上，本文認(rèn)為在高保費(fèi)收入的現(xiàn)實(shí)條件下，綜合賠付率高是導(dǎo)致虧損的主要原因，因此采取有效措施降低綜合賠付率的水準(zhǔn)是實(shí)現(xiàn)車險(xiǎn)經(jīng)營(yíng)良性發(fā)展的關(guān)鍵。將影響我國(guó)車輛保險(xiǎn)市場(chǎng)上綜合賠付率的各種因素分成人為風(fēng)險(xiǎn)因素和自然風(fēng)險(xiǎn)因素兩類，進(jìn)一步地把人為風(fēng)險(xiǎn)因素分成道德風(fēng)險(xiǎn)因素和非道德風(fēng)險(xiǎn)因素兩類，并按類別分因素進(jìn)行了詳細(xì)分析；以此為基礎(chǔ)，結(jié)合A財(cái)險(xiǎn)山東分公司的理賠流程和現(xiàn)狀，提出了幾個(gè)當(dāng)前公司存在的導(dǎo)致綜合賠付率居高不下并急需解決的問(wèn)題，包括道德風(fēng)險(xiǎn)的控制、理賠資源的最優(yōu)配置、理賠人員業(yè)務(wù)技能的提高、業(yè)務(wù)承保品質(zhì)的提高等；針對(duì)存在的各種問(wèn)題，運(yùn)用了犯罪經(jīng)濟(jì)學(xué)理論、運(yùn)籌學(xué)的排隊(duì)理論和頭腦風(fēng)暴法作為分析工具依次提出解決對(duì)策。 本文結(jié)合筆者自身從事財(cái)產(chǎn)保險(xiǎn)的工作經(jīng)歷，提出了以提高道德風(fēng)險(xiǎn)的各項(xiàng)成本的措施和通過(guò)理賠品質(zhì)審計(jì)提高虛假案件的偵破率等為基礎(chǔ)，結(jié)合KPI指標(biāo)體系考核、短信平臺(tái)與遠(yuǎn)端視頻定損系統(tǒng)等措施來(lái)降低A財(cái)險(xiǎn)山東分公司的綜合賠付率水準(zhǔn)，最終實(shí)現(xiàn)車險(xiǎn)經(jīng)營(yíng)的盈利以帶動(dòng)整個(gè)公司經(jīng)營(yíng)效益的提高，指明了A財(cái)險(xiǎn)山東分公司車險(xiǎn)理賠服務(wù)的目標(biāo)和方向。
[Abstract]:The scale of property insurance market in Shandong Province still showed a rapid growth trend in 2012. As of December 2012, the insurance premium income of the whole province (excluding Qingdao plan separately listed city) was 31.421 billion yuan.The insurance premium income of motor vehicle insurance increased by 25.642 billion yuan from the same period last year, an increase of 15.34 yuan, and the proportion of vehicle insurance business in the total business of the property insurance company reached 81.61%.However, the auto insurance business of all insurance companies has suffered losses of varying degrees. As of December 2012, the losses in the auto insurance business of the whole province amounted to 19.10 million yuan. The actual losses of the vehicle insurance business of the Shandong Branch of property Insurance, Shandong Branch, were also "high premiums, high compensation payments,"As of December 2012, the premium income of automobile insurance in Shandong branch accounts for 74% of the total premium, but the loss amount of auto insurance accounts for 96% of the total loss of the company.Combined with the current situation of auto insurance claims in A property Insurance Shandong Branch, this paper studies the deep-seated causes of the current vehicle insurance business dilemma, through the analysis of the factors that affect the operating profit, including premium income, comprehensive compensation rate and comprehensive cost rate.Because the comprehensive cost rate is maintained at the normal level, this paper thinks that under the realistic condition of the high premium income, the high comprehensive compensation rate is the main reason leading to the loss.Therefore, to take effective measures to reduce the level of comprehensive compensation rate is the key to the benign development of auto insurance management.The factors that affect the comprehensive compensation rate in the vehicle insurance market of our country are divided into two categories: artificial risk factor and natural risk factor, and the man-made risk factor is further divided into two categories: moral hazard factor and non-moral hazard factor.On the basis of this, combined with the process and current situation of A property insurance Shandong branch, the paper puts forward some problems that cause the high comprehensive compensation rate and need to be solved urgently.It includes the control of moral hazard, the optimal allocation of claim resources, the improvement of claim personnel's business skills, the improvement of business underwriting quality and so on.The queuing theory and brainstorming method of operational research are used as analytical tools to solve the problem.Based on the author's working experience in property insurance, this paper puts forward some measures to improve the cost of moral hazard and improve the detection rate of false cases through the quality audit of claims, combined with the assessment of KPI index system.Short message platform and remote video fixed loss system, etc., to reduce the comprehensive compensation rate level of A property Insurance Shandong Branch, and finally realize the profit of auto insurance operation so as to promote the whole company's operating efficiency.Pointed out A property insurance Shandong branch auto insurance settlement service goal and direction.
【學(xué)位授予單位】：西安科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.3

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本文編號(hào)：1701643