我国机动车辆保险代位追偿清算模型研究

The study on the subrogation model for motor insurance

近期,我国机动车辆保险理赔中的"无责免赔"问题引起了社会广泛关注,随之而来的代位追偿案件也将引发保险公司之间的账务清算支付,但我国目前尚未建立行业统一的机动车辆保险清算系统。本文说明了我国车险业务快速发展过程中消费者理赔问题,分析了代位追偿及建设我国行业清算体系的必要性和重要意义,借鉴国内外金融业清算体系的成熟案例,提出了构建我国机动车辆保险代位追偿清算模型,为提高行业效率、优化保险公司之间的清算流程提供有力保障。

At present, the motor insurance＇s ＂no liability, no claim payment＂ issue has met with widespread attention, and the subrogation cases in relation to this question will cause accounts clearings between insurance companies. However, China has not yet established a unified clearing system for motor insurance business. The paper analyzed consumers＇ difficulty in making claims while the motor insurance industry has maintained high-speed development, and elaborated on the importance for establishing the subrogation system and the insurance clearing system. Based on experiences of financial clearing systems at home and abroad, the paper offered suggestions on the subrogation accounts clearing model, so as to improve industry efficiency and perfect the clearing process between insurance companies.