Auto Insurance Claims Cost Management And Research Of A Insurance Company Dalian Branch

With the continuous development of China's economy and the improvement of people'squality of life,due to the vigorous development of the automobile industry,China's automobile ownership has risen sharply.China's automobile insurance has developed rapidly in the past 30 years and has become a pillar product of property insurance.At present,the proportion of auto insurance has exceeded 70% of the whole property insurance,but the excessive focus on scale has led to the non-profit status of most auto insurance companies in China,especially small and medium-sized insurance companies.By 2017,a total of 66 property insurance companies across the country have obtained auto insurance business licenses,but 56 of them have a combined loss ratio of more than 100%,and only 10 property insurance auto insurance combined loss ratios are controlled below 100%,to realize a profit.As of 2017,the combined loss ratio of the national auto insurance has reached 58.27%.The market reform of the rate that has been continuously pushed forward has accelerated the growth of the combined loss ratio.How to control the combined loss ratio has become the focus of all property insurance companies.The research object of this paper,A Insurance Dalian Branch,has always been a leading industry in the control of combined costs,but in recent years,with the influence of various factors,the combined loss ratio has continued to rise.This thesis uses descriptive analysis and comparative analysis to analyze the current situation of A insurance company,proposes the problems to be solved,and then uses the analytic hierarchy process and data analysis method to deeply analyze the auto insurance compensation indicators and data,points out what need to be improved.Then,using the analytic hierarchy process and system analysis method to propose the solution of cost granulation,and using the two-factor theory and ERG demand theory,etc.,establish an effective incentive system,and formulate effective control of the cost of compensation in both technical and personnel management.Through the research in this thesis,it can effectively improve the trend that the insurance cost of A insurance Dalian branch grows too fast and maintain the cost advantage in the fierce market competition,thus reducing the comprehensive cost rate for the company and thus providing profit protection.I also hope that the analysis and solutions of this thesis can provide some guidance and reference for other property insurance companies that facing the same dilemma.