A Study On The Improvement Of Automobile Insurance's Rate In China

The main problems of automobile insurance's rate in China, such as rating principles, rate system formulation, rate factor selection, are mainly discussed in this paper. Relevant conclusions are gained, and then, based on the conclusions, the author points out some suggestions to improve rating methods and system formulation in the automobile insurance market in China.In the first three chapters, the basic principles and methods to be used in rating the automobile insurance's rate are summed up and quoted, the main theoretical and practical achievements in some foreign countries are summarized and reviewed. In the fourth chapter proposed in view of realistic condition automobile rate aspect have several questions in China. Mainly is about the rating, the rate system, the rate factor, the actual rate excessively is high and the traffic accident statistical method these aspects.Fifth chapter proposed the improvement method in view of the fourth chapter of question. Firstly, add the fuzzy analysis method to the rating process to enhance the rate's accuracy. After that, through the Chinese and foreign rate system comparison in the rate system and in the rate factor choice proposes improvement in China. Once more, points out the change actual rate excessively high necessity and the feasibility. Finally, profits from Japanese the statistical method to improve traffic accident to count in China.Finally, summarize this paper's key point. Pointed out the automobile insurance's rate marketing process, but various company carries on the cost through the rate to analyze and to strengthen the risk control, improves the grade of service and the service multiplication ability also waits for gradually strengthens.