Research On Risk Management Of Auto Insurance Based On Fuzzv Evaluation

With the rapid development of China's automobile market,motor vehicles have become the vehicle of thousands of households,and the vehicle insurance market is booming.But the rapid expansion of car insurance car insurance claims to bring very great regulatory risk,but also increase the difficulty of the regulation,insurance companyis management is aware of interest and risk coexist,therefore proposed should pay attention to car insurance claims link impact on enterprise development in the future,which prompted this study put forward.This study is main]y aimed at the current situation of the management of automobile insurance claims in a property insurance company.In related areas,on the basis of existing research,combined with the characteristics of the object,this thesis analyzes the risks existing in the process of Chinese car insurance claims:relevant laws and regulations system is not perfect,for the car insLrance business supervision does not reach the designated position,car insurance clause for the design of imprecise,danger is planted set is not clear enough refinement,underwriting claims service quality improvement,car insurance claims business loss and so on.Progress of relevant research results at home and abroad and the latest theory are introduced,reviewed the vehicle insurance claims and risk related theory and the fuzzy evaluation method,and the general situation of a property insurance company at the present stage,the development process of the enterprise and the current risk management mechanism for the auto insurance clains are summarized and analyzed in depth.Through the above analysis that the enterprise in the auto insurance claims link exist many problems,such as insurance company claims service process chaos,specialty of insurance company claims personnel,low frequent and insurance fraud,the cause of these problems mainly is the corpany's management personnel lack of risk awareness,The company lacks perfect auto insurance claims process and supervision mechanism.After that,the risk factors of vehicle claim settlement such as external risk factors,internal risk factors and work standardization risk factors,are proposed.Further put forward the car insurance claims and the final part of risk management strategies,such as building perfect,scientific rules and regulations,manage compensate link risk information construction,build claims of fraud prevention and control system,establish car damage and casualties ease improvement measures such as risk management mechanism.This thesis combines theory with practice,through the car insurance claims of a property insurance company risk management research,applying the theories and methods of risk management to the property insurance company car insurance claims,through this method to address the practical problems encountered by enterprises of science,and in view of the problems related to the risk management system are put forward.In this thesis,the car insurance claims link risk management scheme based on fuzzy evaluation,not only can improve enterprise's ability to resist risk,at the same time,it can also improve the management and control level of automobile insurance fraud risk.