The Chinese Motor Vehicle Insurance Business Process

Since1996, with the rapid development of economy in our country, the average annual growth rate of China’s motor vehicle reaches as high as14.6%, among which from January to May new car sales growth and motor vehicle insurance premium rate were13.2%and16%separately in2013. Good economic development drives the motor vehicle needs also promoted the rapid development of motor vehicle insurance in recent17years at the same time. However, behind the rapid development of China’s motor vehicle insurance business, still have some problems related to the existence of the subject "Insurance operating heavy industry exhibition, light claims". Which led to the motor vehicle insurance claims service cannot meet the practical needs of insurance consumers directly."Auto insurance claims" is becoming a prominent problem in the management of motor vehicle insurance. It severely reduces the recognition of insurance consumers of motor vehicle insurance, and it also reduces the credibility of the insurance industry. This not only caused great concern in the industry, and highly valued by the China Insurance Regulatory Commission (CIRC.)。 Aiming at the importance of research problem of the motor vehicle insurance has become increasingly prominent。This essay will be separated by five parts:Firstly, we are going to talk about the present status of motor vehicle insurance in China. This part will combine the research topic recently participated in, and also there will be a comprehensive set of domestic motor vehicle insurance claims a comparative study of the motor vehicle insurance claims and Japan as.In the second part of this essay, we will base on the Chinese motor vehicle insurance business process, discuss an analysis of the existing problems of motor vehicle insurance claims deeply.The next part, which is the third part, will accord to the problems that we find, based on the theoretical research, with using the data we gathered to point out the creative projects to solve certain problems.In the fourth part, we will discuss the empirical analysis about the creative projects, which will focus on the solutions of practical reasoning.In the last part of the essay, it’ll summarize the research findings, and also offer a proposal about the trend of motor vehicle insurance claims and claims management in China.