两岸汽车保险市场之比较研究

Comparative research of taiwan and mainland automobile insurance market

大陆汽车保险市场历经几轮改革,发展速度惊人,但其快速发展的同时存在着诸多问题。而台湾汽车保险历经50多年的发展,目前形成了相对比较完善的市场体系。本文从市场规模、赔付状况、投保状况、市场结构四个方面研究台湾汽车保险的发展现状,并从保险条款、行销方式、经营绩效等角度把它和大陆汽车保险市场比较,最后得出了我国台湾汽车保险的发展给大陆带来的若干启示。

After rounds of reform,the development of mainland auto insurance market is growing rapidly,while there are many problems.After fifty years of development,Taiwan auto insurance has became a relatively perfect market system.At first,this paper studies the development status of Taiwan auto insurance from four aspects of market size,payment status,insurance status and market structure.Then it compares it to the mainland market from insurance provisions,marketing methods,business performance,etc.At last it concludes some enlightenment that the development of Taiwan＇s auto insurance brings to the mainland.