车险市场的走势思考及车辆定损.doc
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车险市场的走势思考及车辆定损,页数 18 字数 11050摘要目前，汽车保险已经成为财产保险的第一大险种。在财产险市场，60%以上的份额来源于汽车保险。可以说，财产险市场的健康发展，很大程度上取决于车险市场的健康。但是，当前车险市场出现了一些新的变化：一方面由于经济的发展，汽车销售总量猛增，私...
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车险市场的走势思考及车辆定损
页数 18 字数 11050
摘要
车险市场的走势思考及车辆定损
目前，汽车保险已经成为财产保险的第一大险种。在财产险市场，60%以上的份额来源于汽车保险。可以说，财产险市场的健康发展，很大程度上取决于车险市场的健康。但是，当前车险市场出现了一些新的变化：一方面由于经济的发展，汽车销售总量猛增，私家车大量增加，保险需求旺盛；另一方面保险公司为居高不下的赔付率而发愁，出于自身效益的考虑，纷纷停办了一些业务或提高费率，或增加绝对免赔额，甚至出现一些工程机械再无公司承保的现象。如何看待这些变化？车险市场如何定位？ 车险市场有一个“保费和服务成正比”的定律，未来车险市场的竞争主要表现在服务上，各保险公司的车险服务会更细化、更完善，但这将增加保险公司的经营成本。作为需要赢利和积累的经营实体，由于自身实力的限制，保险公司要想提供更多的优质服务，很难再大打“费率牌”和“价格牌”。以后的车险市场将会逐步走上“正途”。
作为与车险息息相关的车辆定损来说，如何做好定损工作是各大保险公司赢得客户的窗口。只有优质的，人性化的服务才是保险公司生存和发展的基础。
关键词
车险市场,走势,车辆定损
Summary
Nowaday the automobile insurance has become the first iusurance of the fortune insurance.in the fortune insurance market,more than 60% shares come from the automobile insurance.It indicates that the healthy growth of the fortune insurance market largely depends on the health of the automobile insurance market.Somehow,some new changes arises in the automobile insurance market:On one hand,according to the development of the economy,the total number of the car sales increases sharply,and the one of private cars increases ,too.This offers the insurance market a vigourous demand.On the other hand lots of insurance companies become so upset for the long-standing-high compensation pay rate.For the sake of their own interests,some services has been
cancelled,or the insurance payrate has been increased,or add the absolute sums of the free of compensation.And what’s more, the phenomenons of the refusage to some project mechines items can be found.How should we view these changes?And how to position our automobile market?
There is a law of “With the services become more quality ,the insurance expenses will become more high” in the car insurance market. In the future car insurance market, service will play a primary role in the competitions. Each insurance company will make their car insurance services be more detailed and perfect, although which will increase the management cost to the insurance company. As a entity which needs to gain profit and accumulation, in order to offer more quality service ,it is difficult for the insurance company to put up the “expense ratio brand” and the “price brand” any more, due to the confinement of its own strength. Car insurance market will go to the “right road “later on.
Taking account of loss determination of cars , which is vitally related to car insurance, how to do the job of loss determine is the window of gaining customers. Only those services which owe high quality and anthropomorphize can be the basis of exist and evolution of insurance companies.
目录
1当前车险市场的变化
1.1保险资源空前丰富，为保险公司提供更多选择机会
1.2汽车保险稳定社会和促进经济发展的作用日益显著。
1.3高赔付率，利润减少成为困扰各家保险公司车险经营的首要难题，提高承保条件和理赔条件成为当然之选
1.3.1 个性化条款降低了保费，方便了车主
1.3.2 强龙压不过地头蛇，汽车经销商分食车险收入
1.3.3保险公司自身管理不严，漏洞百出
1.3.4 恶意骗保屡禁不止，保险公司当冤大头
1.4保险公司之间的竞争趋于理性，区分客户、改进服务成为必然
2关于车险规模与效益关系的问题
2.1合理的经济效益是保险公司赖以生存的基础
2.2创造社会效益，已经成为保险公司无法回避的责任
2.3车险市场要求实现社会效益与经济效益相对统一
3车险市场走势的目标定位
3.1必须是可持续发展的
3.2必须是健康的
3.3必须是相对稳定的。
3.4必须履行促进社会稳定的责任。
4未来车险市场必须解决的几个问题
4.1建立信用体系。
4.2车险产品地方化。
4.3转变保险公司经营理念。
4.4强化市场维护意识。
相关参考文章
1． 反思车险全行业亏损之迷
2． 细分车险业务应对市场变化
3． “洋保险”的优劣势分析
4． 保险汇编
5． 车险费改革 广东成前沿
页数 18 字数 11050
摘要
车险市场的走势思考及车辆定损
目前，汽车保险已经成为财产保险的第一大险种。在财产险市场，60%以上的份额来源于汽车保险。可以说，财产险市场的健康发展，很大程度上取决于车险市场的健康。但是，当前车险市场出现了一些新的变化：一方面由于经济的发展，汽车销售总量猛增，私家车大量增加，保险需求旺盛；另一方面保险公司为居高不下的赔付率而发愁，出于自身效益的考虑，纷纷停办了一些业务或提高费率，或增加绝对免赔额，甚至出现一些工程机械再无公司承保的现象。如何看待这些变化？车险市场如何定位？ 车险市场有一个“保费和服务成正比”的定律，未来车险市场的竞争主要表现在服务上，各保险公司的车险服务会更细化、更完善，但这将增加保险公司的经营成本。作为需要赢利和积累的经营实体，由于自身实力的限制，保险公司要想提供更多的优质服务，很难再大打“费率牌”和“价格牌”。以后的车险市场将会逐步走上“正途”。
作为与车险息息相关的车辆定损来说，如何做好定损工作是各大保险公司赢得客户的窗口。只有优质的，人性化的服务才是保险公司生存和发展的基础。
关键词
车险市场,走势,车辆定损
Summary
Nowaday the automobile insurance has become the first iusurance of the fortune insurance.in the fortune insurance market,more than 60% shares come from the automobile insurance.It indicates that the healthy growth of the fortune insurance market largely depends on the health of the automobile insurance market.Somehow,some new changes arises in the automobile insurance market:On one hand,according to the development of the economy,the total number of the car sales increases sharply,and the one of private cars increases ,too.This offers the insurance market a vigourous demand.On the other hand lots of insurance companies become so upset for the long-standing-high compensation pay rate.For the sake of their own interests,some services has been
cancelled,or the insurance payrate has been increased,or add the absolute sums of the free of compensation.And what’s more, the phenomenons of the refusage to some project mechines items can be found.How should we view these changes?And how to position our automobile market?
There is a law of “With the services become more quality ,the insurance expenses will become more high” in the car insurance market. In the future car insurance market, service will play a primary role in the competitions. Each insurance company will make their car insurance services be more detailed and perfect, although which will increase the management cost to the insurance company. As a entity which needs to gain profit and accumulation, in order to offer more quality service ,it is difficult for the insurance company to put up the “expense ratio brand” and the “price brand” any more, due to the confinement of its own strength. Car insurance market will go to the “right road “later on.
Taking account of loss determination of cars , which is vitally related to car insurance, how to do the job of loss determine is the window of gaining customers. Only those services which owe high quality and anthropomorphize can be the basis of exist and evolution of insurance companies.
目录
1当前车险市场的变化
1.1保险资源空前丰富，为保险公司提供更多选择机会
1.2汽车保险稳定社会和促进经济发展的作用日益显著。
1.3高赔付率，利润减少成为困扰各家保险公司车险经营的首要难题，提高承保条件和理赔条件成为当然之选
1.3.1 个性化条款降低了保费，方便了车主
1.3.2 强龙压不过地头蛇，汽车经销商分食车险收入
1.3.3保险公司自身管理不严，漏洞百出
1.3.4 恶意骗保屡禁不止，保险公司当冤大头
1.4保险公司之间的竞争趋于理性，区分客户、改进服务成为必然
2关于车险规模与效益关系的问题
2.1合理的经济效益是保险公司赖以生存的基础
2.2创造社会效益，已经成为保险公司无法回避的责任
2.3车险市场要求实现社会效益与经济效益相对统一
3车险市场走势的目标定位
3.1必须是可持续发展的
3.2必须是健康的
3.3必须是相对稳定的。
3.4必须履行促进社会稳定的责任。
4未来车险市场必须解决的几个问题
4.1建立信用体系。
4.2车险产品地方化。
4.3转变保险公司经营理念。
4.4强化市场维护意识。
相关参考文章
1． 反思车险全行业亏损之迷
2． 细分车险业务应对市场变化
3． “洋保险”的优劣势分析
4． 保险汇编
5． 车险费改革 广东成前沿
