Research On Reducing The Insurance Premium Rate Of Motor Vehicles Based On The Perspective Of Information Asymmetry

In recent years,motor vehicles,A property insurance company X city branch of the premium income continues to grow at the same time,due to A variety of internal and external causes of motor vehicle insurance loss ratio in X city is in the highest level all property insurance companies,and become A serious barrier restricting the sustainable development.To effectively respond to and alleviate the problem,promote the benign development,this paper is to reduce the motor vehicle insurance loss ratio based on asymmetric information theory research-with A property insurance company X city branch as an example as the research topic content,through based on asymmetric information theory and combined with the actual operating conditions of the insurance company,carried on the thorough analysis and discussion about the above,and in the light of the problem of study,standing in the Angle of the insurance company,put forward some targeted and operability strong solution and the suggestion,the insurance company for the next step how to reduce the motor vehicle insurance loss ratio to provide the corresponding reference.The content of this thesis is divided into the following several aspects: the first chapter,introduced the paper selected topic background and significance,research status at home and abroad,the dissertation research methods,innovation and deficiencies;The second chapter,with the aid of insurance economics,information economics,game theory related theory and model,and the theory of information asymmetry theory related performance in the insurance market has carried on the comprehensive analysis,for the following research to provide the corresponding theoretical basis and support;The third chapter,on A property insurance company X city sub-branch of motor vehicle insurance claims are analyzed,through X city with selected six typical property insurance company of motor vehicle insurance loss ratio,it is concluded that the insurance company motor vehicle insurance loss ratio in X city,at the highest level of the conclusion of all the property insurance company;The fourth chapter,based on asymmetric information theory,from the troubled motor vehicle insurance claims and frequent motor vehicle insurance fraud that two perspective,research conclusions in the third chapter has carried on the thorough analysis and discussion.The fifth chapter,in order to solve the actual problem for of standing in A property insurance company branch Angle X city,put forward some targeted and operational stronger solutions and Suggestions;The sixth chapter,according to the above analysis to the final conclusion.This article is based on the research of the above several aspects,A property insurance company X city branch for the next step how to reduce the motor vehicle insurance loss ratio,realize the healthy development of management to seek A new breakthrough point and breakthrough.