1、我国车险赔付率高的问题及对策作者学院专业摘要摘要机动车辆保险作为我国产线的核心业务,其经营情况直接影响产线的经营情况。因此机动车辆保险赔付率问题的研究就格外重要。本文大体分为两个部分,第一部分分别对影响机动车辆保险赔付率从承保,查勘,定损,理赔等多方面进行分析,第二分针对第一部分所分析的原因提出合理的建议和措施。关键字:赔付率查勘定损理赔1ABSTRACTABSTRACTThe motor vehicle insurance, as the core business of the property insurance in China, has dire
2、ctly affected the business circumstance of the property insurance. Therefore the research for the claim ratio of the motor vehicle insurance is particularly important. This paper can be divided into two parts, the first part analyses the reason which affecting claim ratio of the m
3、otor vehicle insurance ,such as underwrite ,survey ,payments of claims;the second part gives some reasonable advices and measures.Key words: motor vehicle insurance, underwrite,survey for loss, pay for claims3目录目录一、总论1二、导致机动车辆保险赔付率高的原因1(一)机动车辆保险营销模式复杂1(二)机动车辆行驶的道路环境恶化2(三)保险公司的医疗费用