| In recent years, with the expansion of the consumer vehicles market, the vehicle insurance business in Sichuan Province has developed rapidly. Since compulsory insurance of vehicles has carried out in 2007, the scale of vehicle insurance business is basically stabilized over 60%, becoming the first major insurance of property insurance. Recently, State Council promulgated the "auto industry restructuring and revitalization", announcing that the next three years will be an important opportunity for vehicle insurance development. Our country will issue and implement a pro-active policy in the car consumption and continuously expand the consumer market in rural area, and gradually stabilize and expand consumption demand. As social and economic development, the means to stimulate domestic demand and consumption policy issue the motor vehicle insurance market will encounter an important development opportunity. As for premium income, Sichuan vehicle insurance market has entered a rapid period of development, but the vehicle insurance business development has not brought corresponding benefits to the whole property insurance industry. On the contrary, long-term vehicle insurance business is at a loss. This deviation from the normal business of development and the high-speed operating loss is the current reality of Sichuan vehicle Insurance. According to the industry data, the risk of insurance companies operate vehicle Insurance is very obvious. Therefore, the study on risk control of vehicle insurance has an important practical significance.To find the root causes of loss of vehicle insurance business from the perspective of risk control and put forward corresponding countermeasures, so as to promote health and sustainable development of the auto insurance industry and help the insurance company to provide better service to consumer. The paper states the analysis on the cause of a loss in vehicle insurance. Nationwide, the current vehicle insurance rates is in line with the level of socio-economic development, with the implementation of a series of regulatory policies and measures in Sichuan Province in 2008, business vehicle insurance premium reached 100% adequacy. Therefore, in Sichuan province, the vehicle insurance premiums at a reasonable enough premise, the reason of leading to a loss of Sichuan vehicle insurance business is largely due to insurance companies and social environment. The paper focus on the causes of leading to a loss of vehicle insurance in our province and study the risk of vehicle insurance claims and risk control scheme proposed, combined with current situation in our province vehicle insurance claims, summarizing the major issues of vehicle insurance in our province. learning about our province to implement risk control measures after the objective environment, from the establishment of quality specifications in Sichuan Province vehicle insurance Claims Service, introducing the evaluation system for the public and industry self-regulation penalty system, the system of vehicle insurance information platform built in Sichuan Province, realizes online public status and strengthens the construction of credibility, raising vehicle Insurance risk control measures.Currently, the researches on vehicle Insurance Risk in our country have mostly focused on the control measures of vehicle Insurance risk, or by comparing the similarities and differences between domestic and foreign auto insurance claims services to make risk reduction programs. This paper focuses on the actual situation vehicle insurance market in Sichuan Province and based on self-building by strengthening the insurance industry to implement risk control in vehicle Insurance. A part of the measures have already been implemented in Sichuan Insurance Regulatory Bureau, the Provincial Insurance Industry Associations and property insurance company. Therefore, the study of this paper is to help insurance industry to control vehicle insurance risk in Sichuan Province, and this paper has a practical significance. |
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