| With the rapid growth of my country’s insurance industry,my country’s auto insurance rate market has also undergone major changes,which has reduced the cost of management and control of claims as a whole,promoted the growth of corporate value in the relevant property insurance market,and drove the rapid growth of the overall market.However,there are still some problems in the current auto insurance rate market.The control of related auto insurance claims costs is still unreasonable.How to promote the orderly and rapid development of the market and promote the management and control of auto insurance claims costs is an urgent problem to be solved.The status of auto insurance operations is related to the scale,profit and development of property insurance companies.Auto insurance claims fully reflect the social management functions of the insurer,and it is also a key link in evaluating the business quality and service level of an insurance company.Auto insurance business has become the key to its success.Auto insurance business can be divided into underwriting and claim settlement.With the gradual increase of market insurance entities,market competition has become increasingly fierce and homogenized.In order to win the survival of the business,most insurance companies have reduced the premium discount to the bottom line.The price war in the insurance market is intensifying,and there is almost no room for further discounts.As far as the insurance company itself is concerned,various problems due to imperfect claims management are also one of the important reasons for the high loss rate,which affects the company’s operating efficiency.In this article,from the perspective of a third party,it explores the research on the cost management of auto insurance claims for small and medium-sized companies from the perspective of auditing,in order to reduce corporate costs and promote the improvement of corporate profitability.The article first discusses related background and related concepts,and further Analyze the relevant literature of previous studies to find out the research points in the article,and further summarize the relevant theories on the cost of auto insurance claims.Next,analyze the difficulties of auto insurance claims and the current situation of auto insurance claims,and explore small and medium-sized property insurance companies.The problems and pain points of cost management.Finally,in view of the cost of auto insurance claims,a relative optimization path is proposed,including building an audit monitoring model,using rules to prevent and control leakage risks,building a comprehensive and multi-dimensional claims control system,and building an audit system specifically for fraud and false cases.And take D company as an example to analyze the advantages and problems of D company’s auto insurance claims process audit analysis,and explore suggestions and measures for auto insurance claim cost optimization.This article can provide theoretical guidance and reference for the healthy development of the company in the auto insurance market and industry and the promotion of strategic competitiveness through the research on the risk management and control of D company’s auto insurance claims.In today’s increasingly fierce competition in my country’s auto insurance market,this subject has the dual significance of theoretical and practical research and discussion. |
