本文選題：車險理賠現(xiàn)狀 + 中日對比研究��； 參考：《山東大學(xué)》2013年碩士論文

【摘要】：隨著我國經(jīng)濟的飛速發(fā)展,自1996年至今,我國機動車保有量平均每年的增長量高達(dá)14.6%,其中2013年1至5月份新車銷量增速和機動車輛保險保費增速分別為13.2%和16%。良好的經(jīng)濟發(fā)展帶動機動車需求的同時,也促進了機動車輛保險在最近17年的飛速發(fā)展。但是,在我國機動車輛保險業(yè)務(wù)高速發(fā)展的背后,也同時存在著保險經(jīng)營主體“重展業(yè)、輕理賠”等客觀問題,并且直接導(dǎo)致機動車輛保險理賠服務(wù)無法完全滿足保險消費者的實際需求,“車險理賠難”成為機動車輛保險經(jīng)營中的突出問題,嚴(yán)重降低了保險消費者對機動車輛保險的認(rèn)可度,降低了車險行業(yè)的公信度。這不僅引起了業(yè)界的高度關(guān)注,而且引起了保監(jiān)會的高度重視,針對機動車輛保險理賠問題研究的重要性日益凸顯。 論文主要分為以下五個部分： 第一部分是我國機動車輛保險理賠現(xiàn)狀,該部分結(jié)合近期參與的研究課題,綜合闡述了國內(nèi)機動車輛保險理賠現(xiàn)狀并與日本的機動車輛保險理賠作對比研究。 第二部分以我國機動車輛保險經(jīng)營全流程為基礎(chǔ),深入分析機動車輛保險理賠存在的問題。 第三部分根據(jù)發(fā)現(xiàn)問題,以理論研究為基礎(chǔ),通過搜集數(shù)據(jù)并利用計量經(jīng)濟學(xué)方法分析數(shù)據(jù)、找出規(guī)律,集合自身工作實踐提出創(chuàng)新解決方案。 第四部分為創(chuàng)新方案的實證分析,重點闡述解決方案的實踐論證。 第五部分總結(jié)論文的全部研究成果,并對我國機動車輛保險理賠及理賠管理的方向提出建議。
[Abstract]:With the rapid development of China's economy, the average annual growth of motor vehicle ownership in China has been as high as 14.6% since 1996. The growth rate of new car sales and motor vehicle insurance premium in January to May 2013 are 13.2% and 16.4% respectively. Good economic development drives the demand for motor vehicles, but also promotes the rapid development of motor vehicle insurance in the last 17 years. However, behind the rapid development of motor vehicle insurance business in our country, there are also some objective problems, such as "redistributing the insurance business rather than settling claims", and so on. As a direct result of motor vehicle insurance settlement service can not fully meet the actual needs of insurance consumers, "vehicle insurance claims difficult" has become a prominent problem in motor vehicle insurance management. It seriously reduces the insurance consumers' recognition of motor vehicle insurance and reduces the credibility of the auto insurance industry. This not only caused the industry to pay close attention to, but also caused the CIRC to attach great importance to the issue of motor vehicle insurance claims. The thesis is divided into the following five parts: The first part is the status quo of motor vehicle insurance claims in China. This part, combined with the recent research topics, comprehensively expounds the current situation of motor vehicle insurance claims in China and makes a comparative study with Japanese motor vehicle insurance claims. The second part, based on the whole process of motor vehicle insurance in China, deeply analyzes the problems existing in motor vehicle insurance claims. In the third part, according to the discovery problem, based on the theoretical research, through collecting the data and analyzing the data by econometrics method, find out the law, and set up the innovative solution of the work practice. The fourth part is the empirical analysis of the innovative scheme, focusing on the practical demonstration of the solution. The fifth part summarizes all the research results of the thesis, and puts forward suggestions on the direction of motor vehicle insurance claims and claim management in China.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.63

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