机动车辆保险风险管理分析

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1、AbstractAlongwiththedevelopmentofeconomyandsocietyandtheincreaseofthepeople’Sstandardofliving，vehiclesareextensiveusedforproductionandlifeineachrealm．Atthesametime，agreatdealofdangersareproducedbyvehiclesandtheproblemofindemnitycausedbytrafficaccidentsgraduallytunasintoanoutstandingsocialprobl

2、em，whichpromotethespeedofthevehicleinsurance’Sdevelopment．Nowvehicleinsurancehasbecomeamainsortofinsuranceproducts。Vehicleinsurancepremiumincomeshare60％oraboveofthetotalinsurancepremiumincomeofpropertyinsurancecompany．Asisknowntoall，ontheonehand，insurancecompany’Sproductsareatrisk,ontheotherha

3、nd,insurancecompanyfacesmanyrisksitselfduringtheoperationalprocess．Soriskmanagementisallextremelyimportanttaskforinsurancecompanies．TheSUCCESSorfailureofriskmanagementofvehicleinsurancenotonlyaffecttheexistingofitsowndeveloping，butalsothestabmtyofwholesociety．OurcountryjoinedWTOattheendof2001。

4、ThecourseofopeninginsurancemarketwillbespeedupaccordingtoOUrpromises+Atpresent，thereare12insurancecompanieswhichoperatevehicleinsurance．Forthesakeofexpandingthebusiness，thephenomenonofirrationalcompetitionOCCurineverycompany．Theresultishighlossratioofvehicleinsurance．Propertyinsurancecompanies

5、willbefacedwithlossinbusiness，evenbust-upbecauseofhigherlossratio．NowthetheoryofriskmanagementofvehicleinsuranceisnotperfectinOurcountry,sotheissueofriskmanagementofvehicleinsuranceisallurgentproblemthatneedtoberesearchedonandresolved。OwingtOthesignificanceofthisissue，thethesismainlyfocusesona

6、nalyzinganddiscussingriskmanagementofvehicleinsurance，thenproposeshowtoprocesstheriskmanagementofvehicleinsurance．Thegeneralarrangemeffrofthethoughtsistoputforwardtheissuefirstlyandthenexpatiatethetheoryofriskmanagement，afterwarddiscussthemethodoftacklingtheissue．Finallyitbringsforwardafewsugg

7、estionsonhowtoprefectourvehicleinsurancemanagement．Approachesfromthetheoreticalaspect：thesisbeginsfromdetailedintroductionofvehicleinsurancerisk。firstsectionbeginswiththedevelopmentofvehicleinsurande，thenexpatiatesthecharacteristiCSofve