Research On Risk Management Of R Company’s Car Insurance Business Based On Claim Angle

With the rapid development of the economy,the car insurance business has also developed rapidly.The most basic economic compensation function of insurance which plays a positive role in maintaining social stability.Car insurance is the main business segment of property and casualty insurance companies.The operation status of car insurance is related to the long-term development of property and casualty insurance companies.In this process,insurance claims is the most important point that policyholders focus on.Therefore,the research on car insurance risk management and control based on the perspective of claims settlement is an important topic for the healthy development of insurance companies.How to control the risk of car insurance has also become an urgent problem for companies to study.At first,This paper uses the literature research method to analyze and summarize the relevant research reviews at home and abroad,to provide a reference for this research,and form the research framework of this paper;Secondly,analyze the causes of the development status and existing problems of R company;thirdly,using quantitative analysis method,in order to reflect the timeliness and feasibility,the latest claims data of R company are collected for case sample analysis,and a probabilistic model of car insurance business claims based on the logistics model is constructed.Through practical examples,verifies the relationship between factors and claims risk,and improves the reliability of the article.The purpose is to provide reference for R company’s car insurance risk management and control through the theoretical demonstration and practical demonstration of this paper,strengthen the operation and management efficiency,reduce the overall loss rate,and ensure the healthy development of R company’s car insurance business.Starting from the relevant theories of insurance risk management,this paper studies various problems existing in risk management in the operation process of car insurance,combines the analysis of the claims data of R company,and draws conclusions by quantitative analysis method according to the relevant data,and puts forward targeted a series of countermeasures and suggestions that can effectively control company R’s auto insurance risks will play a positive role in the current and future development of company R and the entire insurance industry...