| Motor insurance takes important part in the operation of property insurance company, mainly because the share of motor insurance is over 60% in the whole. The development of the company depends on the work of motor insurance. In the near year the amount insurance company increased quickly, the competition pricked up, the operation of insurance company went to the bad. The clauses and premium ratio of motor insurance are key factor, I try to study them, bring forward the measure of reform to have profit in motor insurance.Product of motor insurance connects with the development of economy, it main content the clauses and premium ratio. The experience of developed country may only use for reference, since they have much difference. The article base on national actuality, the experience of developed country reference, analyses the problem, brings forward the guidance of new clauses and determine the premium ratio considering with person and vehicle, in order that the premium is fit to the market.The article's masterstroke is the clauses and premium ratio. The article analyses the connected theory, studies the market and the problem of motor insurance reform, brings out the measure or step, in order that motor insurance makes profit. The article embodied six chapters.introduction It mostly illustrates the worthiness to insurance industry and development of country economic , and some measure adopted in the reform motor insurance ,and brings forward the key problem to settle and innovation of the reform.analysis of the theory One is law basis of the clause, the other is the theory of constituting the ratio.analysis of the market of motor insurance It mainly introduces the instance and reform of the clause, the reform analyses market want and the impact of market.analysis to the problem of market It mainly introduces the reform of 2003. The order of market is out of order, brings forward the important meaning of the reform.analysis of the case It explains that amending the clauses is the market want. Through the analysis, the article illuminates the in stancy of the reform of motor insurance.countermeasure and advice of the reform In allusion to the problem of the market, it brings forward the measure upon the clauses and premium ratio. In the... |
