我国车辆保险企业经营过程中存在的问题及对策

Enterprises Engaged in China's Vehicle Insurance:Problems and Solutions

随着我国汽车工业迅猛发展,汽车销量的不断增长给其互补品车辆保险的发展带来了机遇,但我国车辆保险赔付率居高不下给车险企业的盈利带来了巨大的挑战。从我国车险业务规模、经营绩效、市场份额等方面入手,在研究车辆保险企业经营过程中存在的赔付率高导致其盈利状况不佳、恶性竞争导致保费流失、服务意识不足、销售渠道有待完善、车险骗保、专业人才缺乏等问题的基础上,提出了降低车险赔付率、完善新的销售方式以避免单一的竞争方式、提高服务质量、完善信息共享平台、减少骗保、加快培养保险专业人才、提高车险从业人员素质等改进车辆保险企业经营的对策建议。

With the rapid development of China＇s automobile industry,the increase of automobile sales provides great opportunities for the development of vehicle insurance.However,the high compensation rate therein has posed a great challenge for the profits of enterprises engaged in vehicle insurance.Taking the business scope,status quo of business performance and market share of vehicle insurance into consideration,this paper investigates into the problems therein.These problems include low profit as a result of high compensation rate,loss of insurance fees caused by cut-throat competition,poor services,narrow sales channels,deceptive claim of vehicle insurance compensation and the insufficiency of insurance professionals.In respect to each of them,solutions and suggestions are put forward hereafter.