汽车保险行业的发展现状及展望

论文题目：汽车保险行业的发展现状及展望摘要近年来中国汽车产业发展迅速，汽车消费的增长必将带动汽车保险业迅速发展，特别是按照入世协议我国将逐步开放保险市场，中国汽车保险业将面临严峻的挑战，如何应对这一挑战，成为我国汽车保险业不容忽视的问题。随着我国私人购车比例不断增加,汽车保险这一概念逐渐进入百姓视野。如何面对车险市场的风云变幻和外资保险公司迅速涌入的挑战，是当前各保险公司必须清醒认识的首要问题。在世界各国,汽车保险都是财产保险的主要险种,受到世界各国政府的重视。美国建立了较为完善和发达的汽车保险体系,为各国所效仿。在我国，汽车保险是财产保险中份额最重的一项,随着汽车工业的迅猛发展,我国的汽车保险业也将迎来一个黄金期。本文通过分析世界汽车保险业的发展历程与现状的分析，找出存在的问题，并为中国汽车保险业提供借鉴。关键词：汽车产业，汽车保险，发展现状，对策AbstractInrecentyearstheChineseautomobileindustrydevelopsrapidly,thegrowthofautoconsumptionwilldrivetherapiddevelopmentofautomobileinsuranceindustry,especiallyinaccordancewithChina'sWTOaccessionagreementwillopentheinsurancemarketgradually,theChineseautomobileinsurancebusinesswillfacethesternchallenge,howtodealwiththischallenge,becomeourcountryautomobileinsuranceindustryshouldnotbeneglected.Alongwithourcountryprivatecarbuyinganincreasingproportionofautomobileinsurance,theconceptgraduallyintopeople'svision.Howtofacetheinsurancemarketamidstthewindsofchangeandforeigninsurancecompaniestherapidinfluxofchallenge,iscurrentlytheinsurancecompanymustclearlyunderstandtheprimaryproblem.Intheworld,autoinsuranceistheprimarypropertyinsuranceinsurance,attentionfromgovernmentallovertheworld.TheUnitedStateshasestablishedarelativelyperfectanddevelopedautoinsurancesystem,foralltofollow.Inourcountry,carinsurancepropertyinsuranceisthemostimportantpart,alongwiththerapiddevelopmentofautomobileindustry,China'sautoinsuranceindustrywillenteragoldenperiod.Inthispaper,throughtheanalysisoftheautoinsuranceindustrydevelopmentcourseandthepresentsituationanalysis,findouttheexistingproblems,andprovidesthereferenceforChineseinsuranceindustry.Keyword:automobileindustry,carinsurance,developmentstatus,countermeasure目录1引言.......................................................................................................................................................52汽车保险概论....................................................................................................................................22.1汽车保险的产生.........................................................................................................................22.2汽车保险的分类.........................................................................................................................22.2.1车辆损失险.....................................................................................................................22.2.2第三者责任险.................................................................................................................22.2.3汽车附加险.....................................................................................................................33国内外汽车保险的发展现状.........................................................................................................33.1国外发展现状.............................................................................................................................33.2中国汽车保险的发展进程.....................................................................................................43.2.1萌芽时期.........................................................................................................................43.2.2试办时期.....................................................................................................................43.2.3发展时期.....................................................................................................................43.3国内发展现状.............................................................................................................................54我国汽车保险存在的问题..............................................................................................................64.1投保意识及投保心理的问题.....................................................................................................64.2保险品种及保险费率单的问题.................................................................................................74.3保险监管的问题.........................................................................................................................74.4人才的匮乏................................................................................................................................75我国汽车保险业的发展对策.........................................................................................................85.1积极鼓励汽车保险业务创新.....................................................................................................85.2加强保险监管和行业自律,规范竞争行为...............................................................................85.2.1健全法律法规.................................................................................................................95.2.2加强市场监督检查.........................................................................................................95.3建立地区性或国家性的行业组织.............................................................................................95.4加快培训专业车险人才，提高车险从业人员素质.................................................................96汽车保险行业制度创新...........................................................................