我国保险业赔付率研究

The research on Chinese insurance industry's rate of compensation

保险作为集合同质风险单位以分摊损失的一种经济制度 ,其目的是补偿风险事故所造成的损失 ,以确保经济生活的安定。因此 ,保险产品质量主要体现在当保险事故发生时被保险人能够及时获得足额的赔付。合理的赔付率既是保险产品公平定价的要求 ,又是提高保险产品核心竞争力的重要因素。因此 ,关注和研究我国当前保险业赔付率有着重要意义。总的来看 ,保险产品赔付整体趋势较平稳 ,波动幅度小。影响我国保险赔付率的主要因素有 :实际平均保额损失率和理论平均保额损失率 ;方差附加系数和历年损失率的均方差 ;附加费用等。提高保险产品的质量 ,制定好改善赔付率的措施。

Insurance serves as an economy system gathered the same unit of risk to share the loss. The purpose is to compensate for loss caused by accident to ensure the stable of economic lives. So the quality of insurance product is mainly reflected that the insurant can get sufficient compensation timely when an accident happens .A reasonable rate of compensation is not only the requirement to fix a price of insurance product fairly, but also an important factor to raise the key competitive power of insurance product. Therefore, there is an important meaning to pay close attention to the rate of compensation of our country insurance. This text analyzes what the is rate of compensation, and then shows the rate of compensation by analyzing some data, tell the actuality to our country, next analyzes some factors include the real rate of compensation, steady coefficient of operating, cost rate of operating, profitability of accept insurance which form the actuality, at last put forwards corresponding measures.