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近年来,机动车辆业务发展较快,已跃居众险之首。可是,赔款金额和赔付率之高令人触目惊心。这说明经营这项业务基本上无效益可言。其原因诸多,其中道德危险对机车险业务的发展构成了最大的威胁。现就此问题作一些剖析,以引起同仁们共同来探讨。 当前机车险的道德危险急剧上升,并非孤立存在,它的发生、发展有其必然因素,经分析主要有三方面的原因: 1.社会因素。随着改革开放的逐步深入,在商品经济大潮中,一些人“下海”经商,各行各业都会
In recent years, the business of motor vehicles has developed rapidly and has risen to the top of numerous public holidays. However, the amount of compensation and the high rate of compensation is shocking. This shows that the operation of this business is basically no benefit at all. There are many reasons for this. The moral hazard poses the greatest threat to the development of the auto insurance business. Now some analysis on this issue to arouse colleagues to discuss. At present, the moral danger of locomotive insurance has risen sharply and does not exist in isolation. Its occurrence and development have their inevitable factors. There are mainly three reasons for the analysis: 1. Social factors. With the gradual deepening of reform and opening up, in the tide of commodity economy, some people “go down to sea” to do business and all walks of life will