| Along with the development of economy and society and the increase of the people's standard of living, vehicles are extensive used for production and life in each realm. At the same time, a great deal of dangers are produced by vehicles and the problem of indemnity caused by traffic accidents gradually turns into an outstanding social problem, which promote the speed of the vehicle insurance's development. Now vehicle insurance has become a main sort of insurance products. Vehicle insurance premium income share 60% or above of the total insurance premium income of property insurance company. As is known to all, on the one hand, insurance company's products are at risk, on the other hand, insurance company faces many risks itself during the operational process. So risk management is an extremely important task for insurance companies. The success or failure of risk management of vehicle insurance not only affect the existing of its own developing, but also the stability of whole society.Our country joined WTO at the end of 2001.The course of opening insurance market will be speed up according to our promises. At present , there are 12 insurance companies which operate vehicle insurance. For the sake of expanding the business, the phenomenon of irrational competition occur in every company. The result is high loss ratio of vehicle insurance. Property insurance companies will be faced with loss in business, even bust-up because of higher loss ratio. Now the theory of risk management of vehicle insurance is not perfect in our country, so the issue of risk management of vehicle insurance is an urgent problem that need to be researched on and resolved.Owing to the significance of this issue, the thesis mainly focuses on analyzing and discussing risk management of vehicle insurance, then proposes how to process the risk management of vehicle insurance.The general arrangement of the thoughts is to put forward the issue firstly and then expatiate the theory of risk management, afterward discuss the method of tackling the issue. Finally it brings forward a few suggestions on how to prefect our vehicle insurance management. Approaches from the theoretical aspect:The thesis begins from detailed introduction of vehicle insurance risk. The first section begins with the development of vehicle insurance, then expatiates the characteristics of vehicle insurance, which is the basis of the issue. The second section details the internal risk factors and external risk factors. The internal risk factors can be controlled by the insurance companies. It can be subdivided into operation risk, management risk and financial risk. External factors of risk can be subdivided into man, vehicle and environment. It then analyzes the person's risk factors, especially analyzes the driver's mental state and physiological factors which influence on vehicle insurance risk, and this is a creative point in the thesis, although the former researches of vehicle risk have mentioned the driver's age, sex and occupation's relations with vehicle insurance risk degree, but they neglected the driver's mental state and physiology's influence on risk degree.Chapter Two introduces the theory of the risk management of vehicle insurance. This chapter expatiates the target of vehicle insurance is to lower the loss ratio, then explains the process and strategy of the risk management of vehicle insurance. According to the characteristics of insurance companies whose products have the feature of risk, so risk control is the most valid method of risk management of vehicle insurance .Approaches on the practical basis:Chapter Three illustrates vehicle insurance risk control, which can be divided into two sections. The first section introduces internal risk factors control, based on the cause of risk and discusses the methods of risk control. Section Two is external risk factors control. External risk factors can besubdivided into man, vehicle and environment. Because of external risk factors can not be controlled by insurance... |
PDF Full Text Request