论机动车保险中高风险车辆的风险管理

Risk Management of High-risk Insured Automobiles

高风险车辆赔付率的高低对机动车保险业务的经营效益有极大的影响,是保险公司风险管理的重点。按照风险管理的基本原理,保险公司应从风险规避、风险转移和风险控制三个方面着手,采取适当措施,加强对高风险车辆的风险管理,降低赔付率,保证业务的稳定性。不仅如此,由于风险具有可变性,实施风险管理不能一成不变,必须根据风险变化的情形随时加以调整和修改,按照科学的程序进行。

The phenomenon that the loss ratio of high-risk insured automobiles is comparatively much high exists for a long time in the auto insurance business, which brings negative effect to most insurance companies involved, and also to the whole society, let alone insured parties. Hence scientific and overall risk management concerning high-risk automobiles is indispensable to the improvement of insurance com- panies＇ business records. Risk management techniques include risk avoidance, risk transfer as well as risk control, which each has advantages and disadvantages. As risks are volatile all the time, process of implementing risk management techniques is prone to the change of environmental conditions.