I财产损失保险产品定价研究——以M保险公司财产损失保险为例摘要财产损失保险是指以各种有形的财产为保险标的的财产保险。其主要包括的业务种类有：家庭财产保险、企业财产保险、工程保险、农业保险、航空器保险、运输工具保险、货物运输保险和特殊风险保险等种类。财产损失保险是财产保险公司的传统、重要险种之一。保险定价由于风险的不确定性以及风险发生与经营存在一定时间滞后性的特点，若没有科学、成熟的定价管理体系而随意定价很有可能造成风险的累积爆发和难以挽救的损失。因此保险定价研究是目前保险发展中非常必要和迫切的，所以本文对该问题进行探究，且以M公司的财产损失保险为例进行分析。关键词：财产损失保险；产品定价；定价策略IIAbstractPropertydamageinsurancereferstopropertyinsurancewithvarioustangiblepropertyasthesubjectofinsurance.Itsmaintypesofbusinessinclude:familypropertyinsurance,corporatepropertyinsurance,engineeringinsurance,agriculturalinsurance,aircraftinsurance,transportationinsurance,cargotransportationinsuranceandspecialriskinsurance.Propertylossinsuranceisoneofthetraditionalandimportantinsurancesofpropertyinsurancecompanies.Insurancepricingischaracterizedbytheuncertaintyofriskandthetimelagofriskoccurrenceandoperation.Withoutascientificandmaturepricingmanagementsystem,randompricingislikelytocauseacumulativeoutbreakofriskandirreparablelosses.Therefore,insurancepricingresearchisverynecessaryandurgentinthecurrentinsurancedevelopment,sothispaperexploresthisissue,andtakesMcompany'spropertylossinsuranceasanexampleforanalysis.Keywords:propertylossinsurance;productpricing;pricingstrategyIII目录摘要.....................................................................IAbstract................................................................II1绪论...................................................................11.1研究背景及意义....................................................11.2国内外研究综述....................................................11.2.1国外研究现状.................................................11.2.2国内研究现状.................................................11.3研究内容及方法....................................................22概念界定及相关理论.....................................................22.1财产损失保险产品与产品定价........................................22.2定价理论..........................................................22.2.1基于成本定价.................................................22.2.2基于竞争定价.................................................32.2.3基于价值定价.................................................33M公司财产损失保险定价分析..............................................33.1M公司财产损失保险结构及发展现状..................................43.1.1定价结构.....................................................43.1.2定价授权.....................................................43.2M公司财产损失保险的定价目标......................................53.3M公司财产损失保险定价的影响因素..................................63.3.1内部因素.....................................................63.3.2外部因素.....................................................64我国保险产品定价存在的问题.............................................74.1监管不够完善......................................................74.2定价政策不统一....................................................84.3决策机制不规范........................................................84.4定价方法和理念不科学.....
