本文選題：豪車 + 中國車險制度��； 參考：《遼寧大學(xué)》2014年碩士論文

【摘要】：近年來，中國的經(jīng)濟(jì)發(fā)展越來越快。隨著經(jīng)濟(jì)快速發(fā)展，中國富人階層的數(shù)量也越來越多。據(jù)一項權(quán)威調(diào)查報告顯示，目前我國富裕家庭的數(shù)量達(dá)到了300萬戶。預(yù)計到2017年時將會達(dá)到450萬戶，很快就會趕上一些發(fā)達(dá)的國家的數(shù)量，例如美國和日本。由于中國富人階級的特殊心理，豪車便受到了他們青睞。據(jù)國家信息統(tǒng)計的數(shù)據(jù)可知：2002年至2010年中國的豪車市場有三個增長高峰，2003年、2006年豪車增長量分別為67.0%和75.4%，到2010年竟然達(dá)到80%。當(dāng)然豪車上路的頻率也會增加，普通車和豪車相撞的概率的也會加大。由于豪車價值大，維修費用較高，有的甚至高達(dá)幾十萬，一旦相撞，普通車車主可能就會傾家蕩產(chǎn)，給他們的生活帶來極大的負(fù)擔(dān)。豪車被撞事件帶來了很多不良的社會影響，如何解決這類問題，迫在眉睫。 本文主要分成五部分。第一部分首先主要對豪車的定義進(jìn)行簡單的介紹，接著闡述中國豪車的目前宏觀狀況，繼而分析中國富人階層對豪車消費的心理；第二部分首先介紹豪車被撞的事件案例以及此事件的處理辦法，接著通過三個方面來闡述豪車被撞事件給社會帶來的不良影響；第三部分主要是利用保險學(xué)相關(guān)理論對豪車被撞事件引發(fā)問題進(jìn)行剖析研究，從我國相關(guān)法律的確立和相關(guān)保險制度的不完善，現(xiàn)有車險條款中存在的問題，缺少針對豪車的險種和人們保險意識淡薄，這四個方面進(jìn)行闡述分析；第四部分主要介紹中國香港及國外發(fā)達(dá)國家加拿大、德國、美國，日本這些國家的保險公司在處理豪車被撞的方法；最后一部分主要是針對豪車被撞事件所提出的一些有效的措施。 本文的創(chuàng)新之處在于理論與實際案例相結(jié)合，通過對“勞斯萊斯”被撞典型案例的介紹分析，從保險理論的角度來分析我國現(xiàn)有保險制度不完善之處，以及我們應(yīng)該采取什么的措施來解決此類事件，使我國保險能夠更好的發(fā)展。交通出行與人們的生活息息相關(guān)，，在中國這個交通阻塞比較嚴(yán)重的國家，由于經(jīng)濟(jì)的快速發(fā)展，豪車的數(shù)量也逐漸增多，因此普通車與豪車相撞的概率就會增大。特別是最近兩年的“豪車被撞”事件引起了人們的極大關(guān)注。這給普通車車主帶來了極大的心理恐慌，以至于他們見到豪車就躲。截止到目前幾乎沒有就這個問題進(jìn)行全面地、系統(tǒng)地研究的論文。因此本論文選題具有前沿性。本課題主要從保險理論的角度并結(jié)合實際，就此類問題進(jìn)行了深入的分析和研究，并提出有效的解決策略。在豪車被撞事故發(fā)生后，通過采用這些有效措施不僅能減少普通車車主的心理和生活壓力，而且能讓豪車車主得到很好的補(bǔ)償；也能使他們都能夠在路上放心的行駛，更能夠起到使社會更加穩(wěn)定和諧的效果。
[Abstract]:In recent years, China's economy is growing faster and faster. With the rapid development of the economy, the number of rich people in China is increasing. According to an authoritative survey report, the number of wealthy families in China has reached 3 million. The number of households is expected to reach 4.5 million by 2017 and will soon catch up with the number of developed countries, such as the United States and Japan. Because of the special psychology of China's rich class, luxury cars were favored by them. According to the statistics of national information, there are three growth peaks in China's luxury car market from 2002 to 2010. In 2003 and 2006, the growth of luxury cars was 67.0% and 75.4% respectively, and reached 80% in 2010. Of course, the frequency of luxury cars on the road will also increase, ordinary cars and luxury cars will be more likely to collide. Because of the large value of luxury cars, high maintenance costs, some even as high as hundreds of thousands, once collided, ordinary car owners may be destroyed, bringing their lives a great burden. The crash of luxury cars has brought a lot of adverse social impact, how to solve such problems, imminent. This paper is divided into five parts. The first part mainly introduces the definition of luxury car, then expounds the current macro situation of luxury car in China, and then analyzes the psychology of the wealthy class in China on luxury car consumption. The second part first introduces the case of luxury car collision and how to deal with the incident, then through three aspects to explain the impact of luxury car collision on the society; The third part is to use the theory of insurance to analyze and study the problems caused by the crash of luxury cars, from the establishment of relevant laws and related insurance system imperfect, the existing car insurance provisions in the existing problems, The fourth part mainly introduces China, Hong Kong and developed countries such as Canada, Germany and the United States. Insurance companies in these countries are dealing with the impact of luxury cars; the last part is about some of the effective measures proposed in response to the crash. The innovation of this paper lies in the combination of theory and practical cases. Through the introduction and analysis of the typical case of Rolls-Royce, the author analyzes the imperfections of China's existing insurance system from the angle of insurance theory. And what measures we should take to solve such incidents, so that our insurance can be better developed. Traffic travel is closely related to people's life. Because of the rapid development of economy, the number of luxury cars increases gradually in China, so the probability of collision between ordinary cars and luxury cars will increase. In particular, the last two years of the "luxury car crash" incident caused great concern. This brings so much panic to ordinary car owners that they hide when they see luxury cars. So far, there is almost no comprehensive, systematic research on this issue. Therefore, the topic of this paper has the vanguard. From the point of view of insurance theory and practice, this paper makes a deep analysis and research on this kind of problems, and puts forward effective solutions. After the crash of a luxury car, adopting these effective measures can not only reduce the psychological and life pressure of ordinary car owners, but also make the owners of luxury cars get good compensation, and also enable them to travel safely on the road. More can make the society more stable and harmonious effect.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.634

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