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在发达国家,保险与银行、信托并列为金融市场的三大金融支柱.深圳作为中国改革开放的特区,保险业在其经济生活中占有相当重要的地位,而机动车辆保险就其保费收入额而言又占据着财产保险的半壁河山,尤为引人注目.机动车辆保险是以机动车及其有关利益为保险标的一种商业保险行为,其中包含了基本险(车身险)、第三者责任险(第三者责任险、司机座位险、乘客座位险)和附加险(玻璃碎险、失窃险).深圳特区机动车辆保险采用统一的保险费率.深圳的机动车辆保险业在1993年以前,为中国人民保险公司一家之天下,由其独家垄断经营,其后,随着平安保险公司、太平洋保险公司纷纷拓展车险业务,深圳的车险市场逐渐演变成“三足鼎立”之势,及至今日,各保险人为赢得市场更是各显其能,促销手段叠出,昔日“人保”门前车水马龙排队投保的盛况早已不复再有,各保险公司上门服务已成惯例.在车险市场争夺愈演愈烈的同时,车险保费收入在各保险机构财产险收入中所占的比重也越来越大,以平安保险公司深圳分公司为例,该公司1995年完成保费收入人民币3.5亿元,其中车险保险收入占1.8亿元人民币,相当于整个财产险收入的一
In developed countries, insurance and banking are the three major financial pillars of the financial market.Shenzhen, as the SAR of China’s reform and opening up, the insurance industry occupies a very important position in its economic life, and the insurance premium of motor vehicle insurance In particular, it occupies half of the area of property insurance, attracting attention.Motor vehicle insurance is a kind of commercial insurance subject to motor vehicles and their related interests as the subject of insurance, which includes the basic insurance (body insurance), third party liability insurance (Third party liability insurance, driver seat insurance, passenger seat insurance) and additional insurance (glass broken insurance, theft insurance) .Shenzhen Special Zone motor vehicle insurance using a uniform premium rate Shenzhen motor vehicle insurance in 1993, As the world leader of the People’s Insurance Company of China, it is monopolized by its sole proprietorship. Since then, as the Ping An Insurance Company and the Pacific Insurance Company have expanded their auto insurance business, the auto insurance market in Shenzhen has gradually evolved into a “tripartite confrontation” trend. As of today, Artificially win the market is all significant to his ability, stacked with promotional tools, the former “PICC” in front of a great succession has long been no longer covered, Insurance companies door-to-door service has become a practice.In the auto insurance market competition intensified at the same time, auto insurance premium income in the insurance sector property insurance revenue share is also growing, with the Ping An Insurance Company Shenzhen Branch, for example, the company in 1995 Annual premium income of 350 million yuan, of which auto insurance revenue accounted for 180 million yuan, equivalent to the entire property insurance income of a