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论文编号：	8968
作者编号：	2120142589
上传时间：	2016/12/12 21:05:02
中文题目：	A保险公司天津分公司应对商业车险改革的策略与对策研究
英文题目：	The study of the strategy and countermeasures about the reform of commercial auto insurance rate to A insurance company Tianjin Branch
指导老师：	薛有志
中文关键字：	车险改革、市场化、保险公司、应对策略
英文关键字：	Auto insurance reform; marketization; insurance company; coping strategy
中文摘要：	随着我国经济发展进入新常态，汽车产销行业也顺应进入了新常态，而作为汽车后市场的第一阵地，保险市场也进入到新常态当中来。原先车险采用由监管部门统一制定的费率限制以及保单条款的这种非市场化行为，显然不能适应当前经济新常态，作为体现2014年发布的“新国十条”精神的一项重要工作，商业车险市场化改革势在必行，同时也是国务院推进保险行业改革创新，全面提升保险行业发展水平的重要决策。在此次商业车险改革之前，商业车险费率厘定是以新车购置价作为重要定价因素，保费与风险缺乏相关度，多次出险车辆与长期不出险车辆间的费率差异并不明显。随着此次改革的启动，除了新车购置价定价因素，车型、零整比等影响到安全以及维修成本的要素也加入到定价因素中，同时引入了NCD（无赔优待）系数、渠道系数、自主核保系数等可由保险公司根据自身经营情况来自行调整的系数，充分体现此次改革的市场化方向。本文正是基于此次商业车险改革，以财产保险公司的经营视角，研究财产保险公司如何能在商业车险改革中做出积极有效的应对，在车险市场竞争中占据有利地位。本文首先梳理了我国车险的发展历程以及历次车险改革的主要内容以及首轮费改地区的运行情况，并着重介绍了本次商业车险改革的重要变化点；其次介绍了A公司及其天津分公司基本经营情况以及近几年来的车险经营情况，包括内部营销渠道等内容，分析此次改革对A公司经营的影响；最后根据商业车险改革内容及上述分析，结合当前A公司天津分公司遇到的时机和不利情况以及自身的优劣势，本文重点论述了从保险公司角度出发应对商业车险改革的思路，提出切实可行的策略和对策。目前关于车险改革的研究文献大多是从监管方车险费率厘定的角度出发进行的研究，重点在于车险改革的可行性与合理性，缺少从保险公司经营角度的研究文献。本文创新点在于本文是从财产保险公司的角度出发，来分析此次费改给财产保险公司带来的影响，并为结合财产保险公司实际情况，提出了应对车险改革的策略和对策。
英文摘要：	As China's economic development has entered the new normal, the automobile production and marketing industry are also entered the new normal. And as the first position in the rear of the car market, the insurance market has entered the new normal. This non-market behavior which using the unified rate limits and policy terms by the regulatory authorities, obviously cannot adapt to the new normal of the current economy. The market-oriented reform of commercial auto insurance rates, an important work, is reflected in the new country ten spirit which released in 2014. At the same time, it is an important decision that the State Council promote the reform and innovation in the insurance industry, comprehensively improving the development level of the insurance industry. On June 1st, 2015, China's commercial auto insurance rates reform has been issued in 6 pilot areas which are Shandong, Qingdao, Heilongjiang, Guangxi, Chongqing, Shaanxi. According to the CIRC’s time schedule and the pilot areas operation condition, the commercial auto insurance rates reform will be completed in the nationwide in 2016. The commercial auto insurance rate is determined by the new car’s purchase price as an important pricing factor before the reform of commercial auto insurance rates. The rate’s difference between the out of the insurance’s vehicle and long-term insurance’s vehicles is not obvious, showing a lack of correlation between premiums and risk. With the start of this reform, in addition to the purchase price of new car’s pricing factors, models, zero ratio and other factors that affect the safety and maintenance costs are also added to the pricing factors. At the same time, the reform introduces the coefficient of NCD (No Claim Discount), channel coefficient and self-underwriting factor, which can be adjusted by the insurance company according to their own operation, which fully reflects the market-oriented direction of this reform. This thesis is to focus on the impact of the reform of commercial auto insurance rates on the management of the Company and the corresponding strategies from the perspective of insurance companies. Since the start time of the reform is relatively short, and the related data and the research results are few. Firstly, this thesis reviews the previous commercial auto insurance rates of market-oriented reform ‘s process, and focuses on the change point of the reform. Secondly, it analyzes the present situation of auto insurance industry in China before the reform. Closely combined with the external macro environment and the internal environment of A company, analyzing the impact of the reform on A company. Finally, the author combined with the current competitive advantages and disadvantages of A company, and put forward practical suggestions. At the same time for the A company's own business characteristics and market position, the author wants to develop the A company to consolidate the market position and enhance the development of competitive strategy, as well as the specific multi-link security measures.
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