The Research On Issues Of The Car Insurance Market Reform In China

The reform of the insurance premium rate market in China from the ninety’s of the lastcentury began, reform of the vehicle insurance market step by step, to continue to explore, inthe process of reform has experienced both successes and failures, it also become a deepeninginsurance to China’s reform and accumulated valuable experience.This paper is divided into five parts, the first part introduces the research purpose andresearch significance, and summarizes the relevant literature, the second part introduces thecurrent situation of China’s insurance market, any reform is based on a realistic basis, thesuccess or failure of the reform is closely linked with the environment, through analysis of thecurrent situation of auto insurance market background of the reform of motor vehicleinsurance premium rate market in China have a comprehensive grasp. The third part analysesthe influence of car insurance premium rate market reform from two aspects of qualitative andquantitative, qualitative aspects mainly carries on the analysis from the influence of carinsurance premium rate market reform of the auto insurance market main body, thequantitative aspect is mainly proceed from the insurance company, because the insurancecompany contact with the insurance supervision department and the insurance consumers,there is important role in the premium rate market reform. After using the economic theory ofthe effectiveness analysis of car insurance premium rate market reform. This paper introducesthe experience and lessons of car insurance premium rate market reform in developedcountries and the enlightenment to our country in the fourth part. The fifth part puts forwardhis suggestions to continue to deepen reform of the insurance premium rate market in china.In the method, this paper uses game theory, supply and demand analysis ofmacroeconomic theory, uses the econometrics to collect large amounts of data to the specificconsiderations rate market reform of property insurance companies. Analysis of influencecaused by motor vehicle insurance premium rate market reform from two aspects ofqualitative and quantitative.