The Research On Insurance Services Question Of China's Motor Vehicle

With the rapid development of China's economy in recent years,China's vehicle fleet line growth,also brought the development of motor vehicle insurance,but the insurance development process due to the unreasonable pricing problem,motor vehicle accident claims disputes etc..This paper gives a brief description of the present situation of motor vehicle insurance in China,including the source of motor vehicle insurance,motor vehicle insurance and the development process of our country and the current motor vehicle insurance types,and then to our country auto insurance rates are introduced in detail,including auto insurance ratemaking requirements,and auto insurance pricing.Secondly,this paper analyzes the current situation of China's motor vehicle insurance from five aspects: the scale of the motor vehicle insurance market,the legal environment,competition,regulation and the principle of determining the rate.Then summarized the characteristics of the development of the auto insurance industry and several major development direction.The third part is the model part of the article,which includes the analysis of the motor vehicle insurance claims service and the model analysis of the personal auto insurance payment probability evaluation.In the motor vehicle insurance claims service analysis part,mainly introduces the motor vehicle insurance claims service mode and the advantages and disadvantages of the model,and the analysis of the drawbacks of the motor vehicle in China and how to solve the problem of insurance claims service.In the personal rights claim probability model analysis part of this article mainly describes the data sources and how to select the sample,variables index system formation,the single variable of payment to explain the ability to reflect the various variables on the impact of the claim,the definition of virtual variables,and model selection and calculation.Finally,combining with the present situation puts forward several suggestions on the development of motor vehicle insurance industry in China,including how to regulate the market,to improve transaction efficiency and increase transaction transparency,to reform the insurance company internal system,establish a good external environment and institutional measures.