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近年来,机动车辆赔付率居高不下,在诸多因素中,归纳起来可大致分为自身因素和外来因素,即主观原因和客观原因。为分析问题系统起见,现从业务开展的顺序即承保和理赔两大阶段中,对涉及赔付率的一些基本因素,试图进行必要的定量与定性分析。 一.承保阶段: 1、验车:保险公司承保的车辆应属验车合格、车况良好、证照齐全的汽车,但是目前大多数承保公司没有这种验车承保的能力,很难保证承保的汽车辆辆符台上路条件。这里涉及到四个问题:(1)保险条款本身对承保
In recent years, the high rate of motor vehicle claims, in many factors, can be summed up into their own factors and external factors, namely subjective and objective reasons. In order to analyze the system of problems, we try to carry out the necessary quantitative and qualitative analysis of some basic factors concerning the rate of claims in the two phases of underwriting and claims. First, the inspection phase: 1, inspection vehicles: insurance companies underwriting vehicles should be qualified vehicles in good condition, full license, but at present most of the underwriters do not have the ability to inspect the car, it is difficult to guarantee the underwriting of the car Vehicles Fu on the road conditions. Here are four issues involved: (1) insurance clause itself underwriting