浅谈我国汽车保险的发展与改善摘要：汽车保险业是20世纪的新型行业，具有不同于其他服务行业的特点。我国自汽车保险自诞生以来，经历了风风雨雨，从弱到强近逐步成长为全球最大的车险市场；取得了巨大的进步，也在不停地加大汽车保险的发展趋势，从而让车主更加了解汽车保险产品，更有效的信任保险公司。但是当前汽车保险市场建设上仍存在不少问题，比如保险人员不够专业性，监管部门的监管力度不够，法制建设不健全等问题。本文针对我国汽车保险市场的发展趋势与改善提出建设性意见。关键词：中国汽车保险市场；理赔；现状；趋势；建议IntroductiontothedevelopmentofautoinsuranceinChinaandtoimproveAbstract：Autoinsuranceisanewtypeofindustryinthe20thcentury,hasthecharacteristicsofdifferentfromotherserviceindustries.Sincesincethebeginningoftheautoinsuranceinourcountry,hasexperiencedupsanddowns,fromweaktostrongclosegraduallygrowintotheworld'slargestcarinsurancemarket;Madegreatprogress,andconstantlyincreasethedevelopmenttrendofautomobileinsurance,sothattheownersknowmoreaboutautoinsuranceproducts,thetrustoftheinsurancecompanymoreeffectively.Buttherearestillsomeproblemsoncurrentcarinsurancemarketconstruction,suchasinsurancepersonnelisnotprofessional,regulatorysupervisionisnotenough,andthelegalsystemisnotsound,etc.InthispaperthedevelopmenttrendofautomobileinsurancemarketinChinaandimprovetheconstructiveSuggestionsareputforward.Keywords：China'sautomobileinsurancemarket;Claims;Thestatusquo.Trend;advice目录一、汽车保险的概述·······························································4（一）汽车保险的起源·································································4（二）汽车保险的含义·································································4二、汽车保险理赔的特点和原则················································4（一）汽车保险理赔的特点·························································41.损失率高且损失幅度较小·······················································42.被保险人的大众性·······························································53.受制于修理厂的程度比较大····················································5（二）汽车保险理赔的原则························································51.满意性原则·······································································52.迅速性原则·······································································53.准确性原则·······································································54.公平性原则·······································································65.主动、迅速、准确、合理原则························...
