Problems Existing In Commercial Auto Insurance And Suggestions For Improvement

Since the reform and opening up,China has made great achievements in the economic field.After more than 30 years of economic development,the economic conditions of urban and rural residents have been constantly improved,and the improvement of the material level has made the residents have the desire to buy cars.As of 2016,China's car ownership was close to 400 million,and it increased by 20 million a year.After 2000,in the income of property insurance,the premium income of auto insurance accounts for a large proportion.In order to develop the market,each insurance company must focus on auto insurance,and the automobile premium income accounts for 80% of the property insurance income.The rapid development of insurance companies in the insurance business at the same time,the entire insurance market has many problems: competition single,comprehensive cost rate rising,product homogenization,channel development uncoordinated and potentially fraudulent behavior is serious,electricity sales growth slowed,losing the competitive advantage.With the help of the author in the Hebei branch company internship opportunities,have a deeper understanding of the insurance company's insurance business,through in-depth analysis of the Hebei branch of China auto insurance business index and insurance company staff,from insurance products and services,insurance market development,insurance claims and insurance cost control in four aspects that the Chinese insurance Hebei branch of the existing problems and puts forward the solving measures,and hope that the Chinese insurance Hebei branch of the enlightenment and reference to China application of the insurance industry to change the bad current situation.The main contents of this paper are as follows: the first part is the introduction,including the research background and significance,research status,research methods and innovation.Secondly,the author introduces the development of China Insurance Hebei branch and analyzes the main indexes.Then points out that the Chinese property insurance company of Hebei branch,and then from the insurance products and services,insurance marketing,insurance claims and insurance cost control four aspects put forward the improvement suggestion,hope from the Hebei branch of China revelation are used in China's Insurance market.The diversification of products and services in the auto insurance insurance companies should realize the products and services and accelerate innovation;in the auto insurance market development should balance the sales channels and access to market segments;in the auto insurance claims should first improve the scene rate and increase the training of personnel in the auto insurance claims;cost control should be introduced to reduce the comprehensive cost and independent channels the coefficient and coefficient of underwriting.The author hopes to apply the four aspects of Hebei branch of China to apply to the auto insurance market in our country and solve the unhealthy problems in the auto insurance market.