Research On Improving The Deviation Rate Of Vehicle Loss Assessment In Y Property Insurance Company From A Human Resources Perspective

With the development of China’s economy and the improvement of technological level,China has gradually become the world’s largest automobile production and consumption country.The rapid growth of the number of cars has brought prosperity to the automotive insurance market and put forward higher requirements for insurance companies.On the one hand,insurance companies need to face fierce market competition and maintain good customer relationships.On the other hand,they need to strengthen internal management and control the payout rate.Meeting the above two requirements and improving the deviation rate of vehicle insurance surveyors’ loss assessment has become a key task in management work.The deviation rate of loss assessment reflects the accuracy of loss assessment.Reducing the deviation rate of loss assessment is beneficial for shortening the claim processing time,improving customer satisfaction,and also reducing the compensation rate of insurance companies,which is beneficial for cost control of insurance companies.The loss assessment deviation rate of vehicle insurance surveyors mainly specifies the loss assessment deviation rate of vehicles at the designated loss position,hereinafter referred to as the loss assessment deviation rate.Based on the actual situation of Y Property Insurance Company and the research on the management of loss deviation rate,and on the basis of domestic and foreign literature research,this article will analyze the management of loss deviation rate of Y Property Insurance Company from the perspective of human resources management,propose relevant suggestions,and play a very positive role in improving the loss deviation rate of Y Property Insurance Company and improving internal control.This article extracts the data of Y Property Insurance Company in the first half of 2022,and first analyzes the composition and management of Y Property Insurance Company’s loss assessment deviation rate.Secondly,based on the analysis of the current human resources situation of Y Property Insurance Company,the main human factors affecting the deviation rate of loss assessment are divided into five factors: education background,major,length of employment,loss assessment authority,and whether one has engaged in automobile maintenance.Data comparison analysis is conducted on the deviation rate of loss assessment of Y Property Insurance Company from the above five dimensions.Finally,multiple linear regression analysis is conducted on the impact of the above five factors on the deviation rate of loss assessment,Identify the internal connections between them and establish a data model.Based on the results of regression analysis and the theory of job matching and dual factor motivation,this article proposes relevant suggestions for improving the deviation rate of Y property insurance company’s loss assessment.In terms of management,it is recommended that Y Property Insurance Company establish a unified claim management model and strengthen data control.In terms of manpower,it is recommended that Y Property Insurance Company establish a quality position model for vehicle loss assessment positions.Based on the quality model,strict personnel recruitment system,reduce the introduction rate of non-standard personnel,and open up the participation of experienced personnel to improve the experience composition of the vehicle loss assessment team.Strengthen employee training,establish an excellent team of lecturers,guided by problem oriented and management objectives,collect and compile relevant training materials,and reduce the knowledge blind spots of vehicle loss assessment positions.Finally,we will establish a comprehensive employee evaluation,performance evaluation,and new compensation management system for Y Property Insurance Company,broaden employee promotion channels,and attract and retain outstanding talents.