Research On The Question Of Vehicle Insurance Market Structure And The Market-oriented Reform Of Vehicle Insurance Rate

It began in the 90s of last century,for changing unite rate state of the vehicle insurance market,canceling unite rate,building a new compete market.Our nation had developed the vehicle insurance rate innovation for four times,each once was defeated.On the February 3,2015,The China Insurance Regulatory Commission issued the opinions of the China Insurance Regulatory Commission on deepening the reform of the premium management system for commercial vehicle insurance clauses,which marks the beginning of a new round of market-oriented reform of vechicle insurance rates.Is the motivation of the reform of commercial vechicle insurance rates market,various insurance companies operating in the process of operation,more intense demand for innovation and supervision departments began to appropriate to the insurance company the insurance company has a certain power,the vechicle insurance rate making authority.Through continuous reform,continuous improvement,and ultimately to achieve the goal of high vechicle insurance rates into the market.By then,insurance companies can develop their own vechicle insurance rates,according to the industry's big data,explore the law of profit points,according to the subject of different risk scenarios to determine the corresponding rate.Promote property insurance companies to improve the management ability and risk control ability of insurance products.Commercial vechicle insurance rates market-oriented reforms in the risk estimates,in the insurance company has independent right of determining price environment,will form a new round of price competition,PICC,Ping An,etc.Taibao strength of large insurance companies is relatively small insurance companies have certain advantages.According to the status of different scale enterprises in the vechicle insurance market in the vechicle insurance rates market-oriented reform of the environment and the challenge,to explore the reasonable insurance market structure and optimize the structure of the insurance market channel is the focus of this paper.Through the analysis of the content,achievements and problems of the market reform of the 4 commercial vechicle insurance rates,this paper summarizes the market environment defects of each reform failure.Through case analysis and statistical data analysis,to find ways to solve the problem.Due to the commercial insurance premium rate market reform is a practical research topic is very strong,in our country has experienced several reforms,the time period is long,every time to spend a few years time,and the operation of the insurance market relative to the overall reform of banks and securities firms are not standardized,the issues involved and diversified.Perplexing.In addition,some market information,such as market rate,handling fee and profit situation,have certain confidentiality.There is a lack of data analysis in this article.Further research is needed.