重庆人保财险私家车保险风险管理研究.docVIP

重庆人保财险私家车保险风险管理研究 重庆大学士学位论文 重庆大学学院二OO年月Research on Insurance Risk Management for private car of Chongqing PICC A Thesis Submitted to Chongqing University in Partial Fulfillment of the Requirement for the Degree of Master of Profession By Yue Hongchuan Supervised by Li Yong Profession: Master of Business Administration College of Economics and Business Administration of Chongqing University, Chongqing, China April 2009 摘 要 据统计，截至2008年底全国汽车保有量为6400万余俩，其中私家车4100余万辆，占汽车保有量的64.53%，而1990年中国私家车保有量仅为82万辆，占汽车保有量14.8%。 私家车的增长过于迅猛，受各种因素的影响，整个重庆私家车保险市场处于集体亏损的临界状态，重庆人保财险和行业其他竞争主体一样在私家车的承保环节，信息化水平较低，数据的积累和管理薄弱、信息共享机制十分欠缺、承保过程中存在众多的违规操作以及核保内容简单，环节单一等一系列问题。这些问题不仅有主观的原因 ABSTRACT According to statistics, amount of car with insurance have been more than two ofat the end of 2008 cars in the country for, of which private cars have been more than accounting for 64.53 percent of all. While private cars in China in 1990 just to maintain the volume of 820000, accounting for 14.8 percent of cars volume. The whole private car insurance market in china is critical state of the collective loss for the impact of various risk factors because of the rapidly growth. The part of the underwriting for PICC insurance company of Chongqing are many inadequacies and is a lower level of information and is weak on data accumulation and management and lack of information-sharing mechanisms. And it exist a large number of violations of nuclear security operation simple and single link in underwriting process. It is difficult to form a series of issues of standardization as to make more service for minimum value of the customer in the provision of services at a later stage, and make less service for the highest value to the companys customers. These problems are not only objective factors but also subjective reasons for insurance companies. In order to run a private car insurance and to guard against future risks, insurance companies must deeply analysis of the risk profile of priv