【摘要】：在我國財(cái)險(xiǎn)市場的發(fā)展歷程中,車險(xiǎn)產(chǎn)品一直占據(jù)著主導(dǎo)地位。隨著商業(yè)車險(xiǎn)費(fèi)率市場化改革進(jìn)程的推進(jìn),車險(xiǎn)市場也呈現(xiàn)出快速發(fā)展的趨勢。甘肅省作為我國車險(xiǎn)費(fèi)改的第三批地區(qū)之一,已于2016年4月29日實(shí)現(xiàn)了整體產(chǎn)品切換。此次改革后,甘肅省的車險(xiǎn)條款擴(kuò)大了保障范圍,豐富了索賠方式,并修改了條款中易引發(fā)爭議的內(nèi)容,保險(xiǎn)公司之間競爭更激烈,消費(fèi)者面臨更多選擇。研究“商車費(fèi)改”對甘肅省車險(xiǎn)市場的影響,能夠幫助保險(xiǎn)經(jīng)營主體調(diào)整經(jīng)營策略,,給市場監(jiān)管者提供監(jiān)管建議,為進(jìn)一步完善我國此次商業(yè)車險(xiǎn)費(fèi)率市場化改革具有理論意義與現(xiàn)實(shí)意義。本文主要通過問卷調(diào)查分析與量化實(shí)證分析兩個(gè)方面,來全方位解讀甘肅省商業(yè)車險(xiǎn)費(fèi)率市場化改革后車險(xiǎn)市場的變化,剖析“商車費(fèi)改”的效果和帶來的問題,對消費(fèi)者和保險(xiǎn)公司提出對策建議。研究從甘肅省費(fèi)改后數(shù)據(jù)監(jiān)控開始,通過總結(jié)經(jīng)營模式、提煉實(shí)時(shí)數(shù)據(jù),在定性分析評估現(xiàn)況后,運(yùn)用ARMA模型,分析解決“商車費(fèi)改”給甘肅省車險(xiǎn)經(jīng)營者帶來的影響;同時(shí)對甘肅省消費(fèi)者展開問卷調(diào)查,獲取費(fèi)改對消費(fèi)者帶來影響的第一手?jǐn)?shù)據(jù),應(yīng)用描述性統(tǒng)計(jì)方法,歸納總結(jié)費(fèi)改給消費(fèi)者的投保決策、購買渠道及體驗(yàn)評價(jià)帶來的影響。最終,為提升“商車費(fèi)改”對甘肅省車險(xiǎn)市場的正面效應(yīng)提出建議。
[Abstract]:In the course of the development of China's property insurance market, car insurance products have always occupied a dominant position. With the development of the reform process of commercial car insurance rate marketization, the automobile insurance market is also showing a rapid development trend. Gansu Province, as one of the third batch areas of vehicle insurance fee reform in China, has realized the overall product switching on April 29, 2016. After the reform, the car insurance clause in Gansu Province has expanded the scope of protection, enriched the way of claim, and revised the controversial content of the clause, the competition among insurance companies is more fierce, and consumers face more choices. The study of the influence of "commercial fare reform" on the automobile insurance market in Gansu Province can help the insurance business main body to adjust the management strategy, provide supervision suggestions to the market regulators, and have theoretical and practical significance for further perfecting the marketization reform of the commercial car insurance rate in our country. Through questionnaire analysis and quantitative empirical analysis, this paper interprets the changes of vehicle insurance market after the marketization reform of commercial car insurance rate in Gansu Province, analyzes the effect and problems of "commercial fare reform", and puts forward some countermeasures and suggestions for consumers and insurance companies. Starting from the data monitoring after the fee reform in Gansu Province, this paper summarizes the management mode and abstracts the real-time data. After the qualitative analysis and evaluation of the current situation, the ARMA model is used to analyze and solve the influence of the "fare change" on the automobile insurance operators in Gansu Province. At the same time, a questionnaire survey was carried out to obtain the first-hand data of the impact of fee reform on consumers, and the descriptive statistical method was used to sum up the impact of fee change on consumers' insurance decision, purchase channel and experience evaluation. Finally, in order to improve the positive effect of "commercial fare reform" on Gansu automobile insurance market, this paper puts forward some suggestions.
【學(xué)位授予單位】：蘭州財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F842.634

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