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车险保费收入占产险保费收入比例一直维持在60%以上,是财产保险的一大支柱险种,但是自2000年以来,车险赔付率一直居高不下,其利润贡献度与其保费占比严重不匹配,车险“高保费、高赔付、低效益”的经营现状,直接影响到整体产险业务的健康、可持续发展。为此,如何在机动车辆保险业务中,坚持速度与效益并重,加强经营管理,降低车险赔付率,既保持良好的发展速度,又不断地提高自身的经济效益,正越来越引起各家财产保险公司的高度关注与重视。本文通过分析机动车辆险赔付率高的现状和原因,提出降低车险赔付率的对策和措施。
Insurance premium income accounted for the proportion of property insurance premium income has been maintained at above 60%, is a pillar insurance property insurance, but since 2000, car insurance claims rate has been high, the contribution of its profit and its share of the proportion of premiums do not match , Auto insurance “high premium, high payment, low efficiency ” business status, a direct impact on the overall property and casualty business, the healthy and sustainable development. Therefore, how to attach equal importance to speed and efficiency in motor vehicle insurance business, strengthen operation and management, and reduce the rate of auto insurance loss, which not only maintains a good pace of development but also continuously improves its own economic benefits, which are causing more and more property Insurance companies pay great attention and attention. In this paper, through analyzing the status quo and reasons of the high pay-off rate of motor vehicle insurance, this paper puts forward the countermeasures and measures to reduce the pay-off rate of automobile insurance.