关于吉林省四平市机动车辆保险的调查研究
关于吉林省四平市机动车辆保险的调查研究(开题报告,论文8400字)
摘 要：随着人们物质水平的提高，机动车的数量也开始迅速增加，我国的车辆保险业务的覆盖面逐步扩大，早已成为我国财产保险公司的第一大险种。保险公司大约有七成的保费收益都来自于机动车辆的保险业务。其对于财产保险公司的经营发展具有十分重要的作用。为了保障公司相关业务的稳定发展，保险公司在工作措施和策略制定上都给予了重点倾斜。据保守估计目前吉林省四平市机动车保有量为12万左右。然而，由于发展过快，各方面管理还不够完善，所以机动车辆保险业务存在着很多问题。保险欺诈问题已经越发严重了，由于政府监制和相关部门的监管力度不到位，使得大部分的机动车保险公司面临着巨大的挑战和利益威胁。本文分析了四平市机动车辆保险的现状和一些相关问题，并针对相关问题提出了相应的对策，促进四平市机动车辆保险的健康发展。
关键词：机动车辆；保险；问题分析；对策
The investigation of the Jilin Siping motor vehicle insurance
Abstract: with the improvement of people's material level, the number of motor vehicles began to increase rapidly, the vehicle insurance business in China and gradually expand the coverage, has become the first major insurance property insurance company in china. About 70% of the premium income of insurance companies comes from the insurance business of motor vehicles. It plays a very important role in the development of property insurance companies. In order to ensure the stable development of the company's business, the insurance companies in the work of the measures and strategies have been given a key tilt. According to a conservative estimate of the number of vehicles in Siping City of Jilin province is about 120 thousand. However, due to the rapid development of all aspects of management is not perfect, so there are many problems in the motor vehicle insurance business. The insurance fraud problem has been more serious, because the government supervision supervision and relevant departments are not in place, making the most of the motor vehicle insurance company faces enormous challenges and threats of interests. This paper analyzes the present situation and some related problems of Siping City, motor vehicle insurance, and put forward corresponding countermeasures for the related problems, and promote the healthy development of Siping City motor vehicle insurance.
Key words: motor vehicle; insurance; problem analysis; countermeasure
目 录
一、机动车辆保险的分类及其概述 1
（一）机动车损失保险 1
（二）机动车第三者责任保险 1
（三）其他机动车保险 1
二、吉林省四平市机动车辆保险的发展状况 2
（一）保险费收入稳定上涨 2
（二）赔款支出大，增长幅度高 2
三、四平市机动车辆保险所面临的问题 3
（一） 高赔付率问题 3
（二）常见的车辆骗保问题 4
1.投保时蓄意欺骗 4
2.索赔时故意欺诈 5
（三）车险业务理赔纠纷问题 5
四、针对四平市机动车辆保险保险面临的问题提出解决对策 6
（一）适应形势,建立新的业务发展战略 6
（二）适应市场,在竞争中求发展 6
（三）运用法律武器,依靠内外力量,努力防范道德风险 7
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参考文献 8
致 谢 9
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