车险业务结构失衡原因分析及优化对策研究  

Analysis of the Reasons for the Unbalance of the Structure of Auto Insurance Business in Insurance Companies and Its Optimization Countermeasures

作　　者：杨思崟 刘秋金 张瑞琛[2] YANG Siyin;LIU Qiujin;ZHANG Ruichen(School of Computer and Information,Fujian Agriculture and Forestry University,Fuzhou 350002,China;School of Management,Fujian Agriculture and Forestry University,Fuzhou 350002,China;Key Laboratory of Ecology and Resource Statistics of Fujian Provincial Universities,Fujian Agriculture and Forestry University,Fuzhou 350002,China)

机构地区：[1]福建农林大学计算机与信息学院,福建福州350002 [2]福建农林大学管理学院,福建福州350002 [3]福建农林大学生态与资源统计福建省高校重点实验室,福建福州350002

出　　处：《福建商学院学报》2020年第3期14-23,84,共11页Journal of Fujian Business University

基　　金：福建省社科研究基地生态文明研究中心重点项目“森林资源绿色资产负债表财务概念框架研究”(KXJD1812A);福建省科技厅软科学项目“自然资源资产负债表视角下森林资源生态价值确认与计量研究”(2019R0039)。

摘　　要：基于中国保险公司车险业务结构失衡为研究背景,选取微观数据为样本,从车险产品角度和公司角度分别探讨车险业务结构失衡的原因及优化方案,并进一步基于公司规模差异和业务结构差异,探索不同类型保险公司在车险业务结构上的优化措施。研究发现,产品保障能力、顾客满意度、公司的市场规模和战略目标对车险业务结构具有显著影响,盈利能力和偿付能力影响较小,且车险产品质量和公司发展水平对不同规模和业务结构的保险公司也会带来不同程度的影响。Based on the research background of the Chinese insurance company’s auto insurance business structure imbalance,the micro data is selected as a sample to discuss the reasons and optimization solutions of the auto insurance business structure imbalance from the perspective of the auto insurance products and the company itself,and further explore optimization measures for auto insurance business structure in different types of insurance companies based on the company’s size differences and business structure differences.The study shows that product guarantee capabilities,customer satisfaction,the company’s market size and strategic objectives have a significant impact on the auto insurance business structure with less impact on profitability and solvency.Moreover,the quality of auto insurance products and the company’s development level will also affect the insurance companies of different sizes and business structures to varying degrees.

关 键 词：车险业务结构 车险产品质量 公司发展水平 优化对策 

分 类 号：F842.4[经济管理—保险]