Study On The Influence And Control Of Vehicle Insurance Premium Rate Reform On Vehicle Insurance Claims Cost

The reform of China's car insurance rate marketization has experienced a long period of exploration,and the reform is still deepening.As of June last year,the new policy of changing the vehicle insurance fee has been basically determined,mainly with the change of the rate coefficient and the changes in the physical terms.The new auto insurance rates will be composed of three parts,one is the benchmark pure risk premium,two additional cost rate,three is the rate adjustment factor,the rate adjustment coefficients including the NCD coefficient(NCD).Now,due to the implementation of insurance fee change policy,almost all insurance companies are facing strong competition in the market,on the one hand to reduce payment control cost,one hand to expand the scale of profits,it can be said that the insurance fee change has brought changes to the insurance market turn the world upside down.This paper attempts to break through the policy change and significance of vehicle insurance fee reform in the past.It takes A insurance company as an example to analyze the influence of vehicle insurance fee reform on insurance company's operation more intuitively through the insurance company's business data.Obviously,insurance fee change rates lead to decreased,for consumers to buy cheaper car insurance,the insurance company will inevitably expand business scale,so this paper consider the factors-remove another effect of the scale of operation outside of the operating conditions of the insurance company cost control.In addition to the fixed cost investment and the largest proportion of the insurance cost,the research direction of this paper is the influence of vehicle insurance fee reform on the cost of vehicle insurance claims.Firstly,in this paper,the change of the rate coefficient of insurance fee change and the changes of real terms as the starting point,to study these two effects on compensation rate and direct compensation,the three aspects of cost claims,this is because the payment rate is a factor of rate reform directly,is an important indicator to reflect the cost of claims the important part is the direct cost of claims and claim indemnity.Secondly,the choice of A insurance company is because its vehicle insurance business accounts for more than thirty percent of the total vehicle insurance market share,which can better reflect the impact of vehicle insurance fee reform on the whole insurance business.Then the status quo of the auto insurance business insurance company A and its claims to analyze the current situation of application of insurance,the basic theories and knowledge,the enterprise cost management theory,and influence of the theory of concrete analysis of a new round of rate reform of auto insurance claims its cost data,the result is the insurance fee change to increase the part of the compensation cost models.Finally,according to the results of the full text analysis,some strategies and suggestions are put forward.In this paper,we should improve the current situation of the insurance company from two aspects: the change of the overall management strategy of the insurance company and the improvement of the company's claim department.