車險(xiǎn)市場(chǎng)的走勢(shì)思考及車輛定損

頁數(shù) 18 字?jǐn)?shù) 11050

摘要

車險(xiǎn)市場(chǎng)的走勢(shì)思考及車輛定損
目前，汽車保險(xiǎn)已經(jīng)成為財(cái)產(chǎn)保險(xiǎn)的第一大險(xiǎn)種。在財(cái)產(chǎn)險(xiǎn)市場(chǎng)，60%以上的份額來源于汽車保險(xiǎn)?？梢哉f，財(cái)產(chǎn)險(xiǎn)市場(chǎng)的健康發(fā)展，很大程度上取決于車險(xiǎn)市場(chǎng)的健康。但是，當(dāng)前車險(xiǎn)市場(chǎng)出現(xiàn)了一些新的變化：一方面由于經(jīng)濟(jì)的發(fā)展，汽車銷售總量猛增，私家車大量增加，保險(xiǎn)需求旺盛；另一方面保險(xiǎn)公司為居高不下的賠付率而發(fā)愁，出于自身效益的考慮，紛紛停辦了一些業(yè)務(wù)或提高費(fèi)率，或增加絕對(duì)免賠額，甚至出現(xiàn)一些工程機(jī)械再無公司承保的現(xiàn)象。如何看待這些變化？車險(xiǎn)市場(chǎng)如何定位？　車險(xiǎn)市場(chǎng)有一個(gè)“保費(fèi)和服務(wù)成正比”的定律，未來車險(xiǎn)市場(chǎng)的競(jìng)爭主要表現(xiàn)在服務(wù)上，各保險(xiǎn)公司的車險(xiǎn)服務(wù)會(huì)更細(xì)化、更完善，但這將增加保險(xiǎn)公司的經(jīng)營成本。作為需要贏利和積累的經(jīng)營實(shí)體，由于自身實(shí)力的限制，保險(xiǎn)公司要想提供更多的優(yōu)質(zhì)服務(wù)，很難再大打“費(fèi)率牌”和“價(jià)格牌”。以后的車險(xiǎn)市場(chǎng)將會(huì)逐步走上“正途”。
作為與車險(xiǎn)息息相關(guān)的車輛定損來說，如何做好定損工作是各大保險(xiǎn)公司贏得客戶的窗口。只有優(yōu)質(zhì)的，人性化的服務(wù)才是保險(xiǎn)公司生存和發(fā)展的基礎(chǔ)。

關(guān)鍵詞
車險(xiǎn)市場(chǎng),走勢(shì),車輛定損

Summary
Nowaday the automobile insurance has become the first iusurance of the fortune insurance.in the fortune insurance market,more than 60% shares come from the automobile insurance.It indicates that the healthy growth of the fortune insurance market largely depends on the health of the automobile insurance market.Somehow,some new changes arises in the automobile insurance market:On one hand,according to the development of the economy,the total number of the car sales increases sharply,and the one of private cars increases ,too.This offers the insurance market a vigourous demand.On the other hand lots of insurance companies become so upset for the long-standing-high compensation pay rate.For the sake of their own interests,some services has been
cancelled,or the insurance payrate has been increased,or add the absolute sums of the free of compensation.And what’s more, the phenomenons of the refusage to some project mechines items can be found.How should we view these changes?And how to position our automobile market?
There is a law of “With the services become more quality ,the insurance expenses will become more high” in the car insurance market. In the future car insurance market, service will play a primary role in the competitions. Each insurance company will make their car insurance services be more detailed and perfect, although which will increase the management cost to the insurance company. As a entity which needs to gain profit and accumulation, in order to offer more quality service ,it is difficult for the insurance company to put up the “expense ratio brand” and the “price brand” any more, due to the confinement of its own strength. Car insurance market will go to the “right road “l(fā)ater on.
Taking account of loss determination of cars , which is vitally related to car insurance, how to do the job of loss determine is the window of gaining customers. Only those services which owe high quality and anthropomorphize can be the basis of exist and evolution of insurance companies.

目錄
1當(dāng)前車險(xiǎn)市場(chǎng)的變化
1.1保險(xiǎn)資源空前豐富，為保險(xiǎn)公司提供更多選擇機(jī)會(huì)
1.2汽車保險(xiǎn)穩(wěn)定社會(huì)和促進(jìn)經(jīng)濟(jì)發(fā)展的作用日益顯著。
1.3高賠付率，利潤減少成為困擾各家保險(xiǎn)公司車險(xiǎn)經(jīng)營的首要難題，提高承保條件和理賠條件成為當(dāng)然之選
1.3.1 個(gè)性化條款降低了保費(fèi)，方便了車主
1.3.2 強(qiáng)龍壓不過地頭蛇，汽車經(jīng)銷商分食車險(xiǎn)收入
1.3.3保險(xiǎn)公司自身管理不嚴(yán)，漏洞百出
1.3.4 惡意騙保屢禁不止，保險(xiǎn)公司當(dāng)冤大頭
1.4保險(xiǎn)公司之間的競(jìng)爭趨于理性，區(qū)分客戶、改進(jìn)服務(wù)成為必然

2關(guān)于車險(xiǎn)規(guī)模與效益關(guān)系的問題
2.1合理的經(jīng)濟(jì)效益是保險(xiǎn)公司賴以生存的基礎(chǔ)
2.2創(chuàng)造社會(huì)效益，已經(jīng)成為保險(xiǎn)公司無法回避的責(zé)任
2.3車險(xiǎn)市場(chǎng)要求實(shí)現(xiàn)社會(huì)效益與經(jīng)濟(jì)效益相對(duì)統(tǒng)一

3車險(xiǎn)市場(chǎng)走勢(shì)的目標(biāo)定位
3.1必須是可持續(xù)發(fā)展的
3.2必須是健康的
3.3必須是相對(duì)穩(wěn)定的。
3.4必須履行促進(jìn)社會(huì)穩(wěn)定的責(zé)任。

4未來車險(xiǎn)市場(chǎng)必須解決的幾個(gè)問題
4.1建立信用體系。
4.2車險(xiǎn)產(chǎn)品地方化。
4.3轉(zhuǎn)變保險(xiǎn)公司經(jīng)營理念。
4.4強(qiáng)化市場(chǎng)維護(hù)意識(shí)。

相關(guān)參考文章
1． 反思車險(xiǎn)全行業(yè)虧損之迷
2． 細(xì)分車險(xiǎn)業(yè)務(wù)應(yīng)對(duì)市場(chǎng)變化
3． “洋保險(xiǎn)”的優(yōu)劣勢(shì)分析
4． 保險(xiǎn)匯編
5． 車險(xiǎn)費(fèi)改革 廣東成前沿