【摘要】：機(jī)動(dòng)車輛保險(xiǎn)是指各種機(jī)動(dòng)車輛由于意外安全事故或自然災(zāi)害所造成的機(jī)動(dòng)車輛本身以及相關(guān)人財(cái)物方面的利益損失,同時(shí),為了減少損失而所采取的有關(guān)措施需要承擔(dān)的合理費(fèi)用,而向機(jī)動(dòng)車輛保險(xiǎn)單位繳納一定數(shù)量金額的保險(xiǎn)費(fèi)用,當(dāng)被保險(xiǎn)的機(jī)動(dòng)車輛發(fā)生事故時(shí),保險(xiǎn)公司向客戶賠付根據(jù)保險(xiǎn)合約上規(guī)定的保險(xiǎn)賠償金。隨著機(jī)動(dòng)車輛數(shù)量越來越多,因?yàn)榻煌ㄒ馔馐鹿识鴮?dǎo)致的人身傷害和財(cái)產(chǎn)損失也就隨之增加,給我國的社會(huì)安全穩(wěn)定帶來一定的消極影響。雖然世界上各國采取了各種相關(guān)的管制措施和辦法,但是,機(jī)動(dòng)車輛的使用給人們的生命以及財(cái)產(chǎn)安全帶來許多不確定因素,也就引起了人們對(duì)機(jī)動(dòng)車輛保險(xiǎn)這一新興領(lǐng)域的關(guān)注。近年來,隨著我國機(jī)動(dòng)車輛行業(yè)的迅速發(fā)展,給我國機(jī)動(dòng)車輛保險(xiǎn)業(yè)的興起提供了有利的契機(jī)。機(jī)動(dòng)車輛保險(xiǎn)行業(yè)作為后起的新興行業(yè),擁有非常好的發(fā)展勢(shì)頭,然而,從某個(gè)層次上也暴露了我國機(jī)動(dòng)車輛保險(xiǎn)理賠運(yùn)行中的某些問題,例如機(jī)動(dòng)車輛詐險(xiǎn)、理賠糾紛、賠付率過高等等。這就使得機(jī)動(dòng)車輛保險(xiǎn)投保人與被保險(xiǎn)人在處理機(jī)動(dòng)車輛保險(xiǎn)理賠過程中可能蒙受一些不必要的損失,此外,也不利于處于起步發(fā)展階段的機(jī)動(dòng)車輛保險(xiǎn)行業(yè)的健康發(fā)展,尤其是機(jī)動(dòng)車輛保險(xiǎn)在理賠處理的過程中,機(jī)動(dòng)車輛保險(xiǎn)單位的服務(wù)方式存在著很多的不足。這些問題嚴(yán)重影響我國機(jī)動(dòng)車輛保險(xiǎn)業(yè)發(fā)展與完善。在國外,從事機(jī)動(dòng)車輛保險(xiǎn)理賠服務(wù)方面的單位非常多,而且他們?cè)诶碣r服務(wù)方面分工非常細(xì),保險(xiǎn)單位與外部單位在考慮自己利益的同時(shí),為了能夠讓消費(fèi)者滿意,非常注重合作和資源共享。較于歐美發(fā)達(dá)國家的機(jī)動(dòng)車輛保險(xiǎn)行業(yè),我國有些許落后,但并不處于明顯劣勢(shì)。這種差異在于整個(gè)車險(xiǎn)行業(yè)服務(wù)理念的不同,而并不是取決于企業(yè)的規(guī)模大小。論保險(xiǎn)行業(yè)發(fā)展的歷史長久,歐美發(fā)達(dá)國家是很早就開始起步了,在業(yè)務(wù)方面或者理賠方面都有較為成熟的體系。這些優(yōu)秀保險(xiǎn)理念非常值得我們借鑒學(xué)習(xí),再結(jié)合我國具體的情況,慢慢探索出一套符合中國國情的保險(xiǎn)制度。本文首先簡要介紹機(jī)動(dòng)車輛保險(xiǎn)理賠服務(wù)的研究背景、意義及成果,然后,闡述機(jī)動(dòng)車輛保險(xiǎn)以及機(jī)動(dòng)車輛保險(xiǎn)理賠服務(wù)的相關(guān)概念,在此基礎(chǔ)上,詳細(xì)分析機(jī)動(dòng)車輛保險(xiǎn)理賠服務(wù)模式現(xiàn)狀、及機(jī)動(dòng)車輛保險(xiǎn)理賠過程存在的問題以及國內(nèi)外機(jī)動(dòng)車輛保險(xiǎn)理賠服務(wù)給我們帶來的啟示,最后,針對(duì)我國機(jī)動(dòng)車輛保險(xiǎn)理賠服務(wù)行業(yè)未來的發(fā)展趨勢(shì)及變革提出一些看法及建議。
[Abstract]:Motor vehicle insurance refers to the loss of interests of motor vehicles themselves and related people and property caused by accidents, safety accidents or natural disasters. At the same time, The reasonable cost to be borne by the relevant measures taken to reduce the loss, and to pay a certain amount of insurance fee to the motor vehicle insurance unit, in the event of an accident of the insured motor vehicle, The insurance company pays the customer the insurance compensation stipulated in the insurance contract. With the increasing number of motor vehicles, the personal injury and property loss caused by traffic accidents also increase, which has a certain negative impact on the social security and stability of our country. Although countries around the world have adopted various relevant control measures and approaches, the use of motor vehicles has brought many uncertainties to the safety of people's lives and property, It has also aroused people's attention to the new field of motor vehicle insurance. In recent years, with the rapid development of China's motor vehicle industry, it provides a favorable opportunity for the rise of China's motor vehicle insurance industry. As a new industry, the motor vehicle insurance industry has a very good momentum of development. However, from a certain level, it has also exposed some problems in the operation of motor vehicle insurance claims in our country, such as motor vehicle fraud insurance and settlement disputes. The compensation rate is too high and so on. This makes the motor vehicle insurance policy holder and the insured may suffer some unnecessary losses in the process of dealing with the motor vehicle insurance claim settlement, in addition, it is not conducive to the healthy development of the motor vehicle insurance industry in the initial stage of development. In particular, there are many deficiencies in the service mode of motor vehicle insurance units in the process of claim settlement. These problems seriously affect the development and perfection of motor vehicle insurance industry in China. In foreign countries, there are many units engaged in motor vehicle insurance and settlement services, and their division of labor in claim settlement services is very fine. Insurance units and external units consider their own interests, in order to satisfy consumers. Attach great importance to cooperation and resource sharing. Compared with the motor vehicle insurance industry in developed countries in Europe and the United States, China is a little backward, but it is not in an obvious disadvantage. This difference lies in the difference in the service concept of the whole automobile insurance industry, rather than the size of the enterprise. On the history of the development of insurance industry for a long time, developed countries in Europe and the United States began to start early, in business or settlement of claims have a more mature system. These excellent insurance ideas are very worthy of our study, and then combined with the specific situation of our country, slowly explore a set of insurance system in line with China's national conditions. This paper first briefly introduces the research background, significance and results of motor vehicle insurance claim settlement service, and then expounds the related concepts of motor vehicle insurance and motor vehicle insurance claim settlement service. On this basis, This paper analyzes in detail the present situation of motor vehicle insurance claim settlement service mode, and the problems existing in the process of motor vehicle insurance claim settlement, as well as the enlightenment brought to us by motor vehicle insurance claim settlement service at home and abroad. Finally, In view of the future development trend and reform of motor vehicle insurance claim service industry in China, this paper puts forward some views and suggestions.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F842.634

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 唐倩;;對(duì)我國保險(xiǎn)營銷制度發(fā)展趨勢(shì)的思考——基于國際保險(xiǎn)營銷制度發(fā)展規(guī)律角度[J];東方企業(yè)文化;2010年15期

，

本文編號(hào)：2479675