我国机动车辆保险费率市场化问题的研究

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1、⑧中国近代第一所大学FOUNDEDIN1895天洋夫薯TlANJlNUNIVERSITY硕士学位论文●学科专业：作者姓名：指导教师：工商管理田芳詹原瑞教授天津大学研究生院2006年1月ABSTRACTIntheyearsbefore2003,wehadbeencarryingoutthepremiumratesystemthatwasunderstrictsupervision,andthereexistedmanyabusesinthe"unified'’premiumratesystem．On

2、Janl，2003，thereformsformallybegantobeimplementedonmotorpremiumratesbasedonthemarketprinciple，andconicforthalotofproblems．1、Itwashardforthecustomerstodecidewhatcoursetotakeduetotheviciouscompetitionscausedbythegreatlyreducedpremiumrates．2、Andwiththefre

3、quentlyraisingofpremiumratesafterwardswhichseriouslyinfluencedthetrustofthecoFtSlLrRCI"Sininsurancecompaniesaswellastheinsuranceindusny,3、Theimplementationofthenew，ithasledtotheincessantlyincreasingdisputesrelatedtotheCompulsory

4、Motor&ThirdPartyliability姗anoe(CMI)fromMay2004llptonow．DuetotheMotorInsurancepositioninreallifeanditssocialinfluence，iteansedalotofdisputesinthesocietyatthattime．InordertostudyproblemsthatMotorInsurancepremiumratesbasedonthemarketprinciple．theauthorlr

5、iestolIsetheadvancedexperiencesabroadforreferenceinthisarticle，acomparativelyin-depthanalysishasbeen百VeilinthisarticlefortheproblemsarisingintheMotorInsurancereforms，usingthereformationtheoremanalysisinthepremiumratesystemmanagementpattern,theBrand’sm

6、agnatepatternandthetheoryOilsystemconstruction．Andalsoacomparativelyscientificandreasonablesuggestionhasbeenmadetotheinsurancecompanies，insurancesupervisiondepartmentsandsocialpublics．Asforthestudyoninsurancecompanies，asuggestionhadbeenmadeonthefactor

7、sinestablishingthepremiumrates，theproductinnovationandserviceimprovementsetc．FinallyregardingthestudyontheCMI，ananalysishasbeengiventotheproblemsbroughtabouttotheinsurancecompaniesrelatedtothemanagementandclaimssettlementfromthepoimofview∞gardinglegis

8、lationsandmanagementpattern．ThecauseoftheproblemshasbeenanalyzedandanassumptiononaseriesofcoordL删tmgsystemshasbeengiven．ThusthisarticleiSofcertainrealisticsignificance．Keywords：MotorInsurance，PremiumRateSystem,，Compulsory