Motor Vehicle Insurance Underwriting The Elaborating Management Research

While China's economy has experienced sustained and stable development of the severe test, from the international perspective, the world economic situation is still very grim, the sovereign debt crisis more uncertain, showing a tendency to continue in-depth development. Eurozone sovereign debt risk and high prices, the financial system worrying. Global capital markets and commodity market upheaval, economic recovery is still uncertain, low growth and gradually form a long-term trend. Domestically, China's economy is facing both internal and external market weakness in demand, raw material prices continued to rise, rising labor costs, environmental costs and further increase of the situation. Meanwhile, the global economy of the dividends, market-oriented reform dividend, bonus feature pull effect on economic growth slowdown, signs of economic growth is slowing down. Auto insurance as an insurance company headed insurance, although somewhat up on the big stage of the domestic economy in 2014 than in 2013 increased, but the growth is still low, pay high insurance losses of more than 100 million in the country, facing the auto insurance business insurance products reforms, the insurance Companies should actively respond to the road in order to make sustainable development of auto insurance. Based on this, from the perspective of risk management and control on China's motor vehicle insurance underwriting fine management issues for a more comprehensive discussion, in order to promote China motor vehicle insurance market, health and sustainable development.In this paper, using the method of quantitative analysis and qualitative analysis combining, from six aspects of car insurance underwriting the elaborating management and professional management methods to analyze some more, chapters mainly includes the following basic ideas:first, introduction. Mainly how to clear this research topic to have specific meaning and corresponding to the method, and the overall train of thought on the narrative; Second, motor vehicle insurance underwriting company overview; Third, China's motor vehicle development present situation and problems existing in the process of development; Fourth, with the introduction of the foreign car insurance cover system and technology as well as the foreign experience to our country's enlightenment; Fifth, motor vehicle during an accident compensation ratio, and the corresponding accurate calculation method and the calculation method of the impact of; Sixth, insurance is a specific management method and the corresponding introduced a series of policies for a systematic and professional research, mainly including the need to bear the corresponding risks, key research in the process of compensation of the risk, different vehicle insurance policy for the exploratory explanation, strive to through this article research for car insurance rates contribute to the perfecting of the fine management system.