调控车险结构 提高车险经营效益

Structure Adjustment and performance Improvement of Vehicle Insurance

从我国财产保险市场现状来看,不论是整体,还是局部;不论是各家保险公司,还是各个地区,车险业务占比大都较高,仍呈现出"一枝独秀"、"一险独大"的状况,这种状况在中小保险公司中更为突出。同时,车险属于管理型险种,由于车险业务的占比较高,因此车险经营效益的好坏,直接影响到保险公司的盈利状况以及在保险市场上的生存与可持续发展问题。本文结合保险公司车险经营管理工作实践,对车险结构调控的一些思路进行讨论分析,以寻求提高车险盈利能力的一些方法和手段。

In current insurance market, the percentage of business is very high in different insurance companies and different regions, and the share of vehicle insurance business is much high especially for medium and small-sized insurance companies. For the high proportions, the performance of vehicle insurance will influence the profit, the existence and sustainable development of its insurance companies directly. Based on the practice of vehicle insurance management, some measures of vehicle insurance structure adjustment are discussed and some suggestions are proposed to improve profitability of vehicle insurance.