课题名称汽车保险市场存在的问题及发展对策研究摘要随着我国经济的发展和人民生活水平的提高，人们对出行的便利性也随之提高，汽车已经进入老百姓的日常生活，成为平时出行必不可少的交通工具。汽车市场迅速发展，随着汽车保有量的迅速增加，中国已成为全球增速最快的汽车市场。根据中汽协的数据统计，截止2018年底我国机动车保有量已突破一亿台，占全球保有量近十分之一。但由于交通运输管理滞后，人们法律法规意识不强等因素，道路交通事故频发，造成了巨大的人身伤亡和财产损失，车辆保险（以下简称“车险”）也越来越受到社会各界的广泛关注。车险理赔中的高保低赔、无责免赔、理赔定价、理赔时效、保险欺诈以及汽车维修市场垄断都成为热点话题，霸王条款、理赔难屡次出现在媒体的报道中。目前保险监管的理论研究开展的比较广泛，对于基层保险监管部门，车险监管同样重要。本文从基层车险监管工作实际出发，研究探讨对中心城市车险市场监管，进而辐射带动区域市场规范发展的模式，有助于为监管实践探索思路。基于此，本文拟从对我国车辆保险市场存在的问题分析入手，运用公共管理理论、数学模型，对市场现状和存在问题及成因深入探讨，为政府监管决策提供有价值对策建议。关键词：汽车保险；市场发展；现状分析；对策建议ABSTRACTWiththedevelopmentofChina'seconomyandtheimprovementofpeople'slivingstandards,people'sconveniencefortravelhasalsoincreased.Carshaveenteredthedailylivesofordinarypeopleandbecomeanindispensablemeansoftransportation.Theautomotivemarkethasdevelopedrapidly,andwiththerapidincreaseincarownership,Chinahasbecomethefastestgrowingautomotivemarketintheworld.AccordingtostatisticsfromtheChinaAutomobileAssociation,bytheendof2018,China’smotorvehicleownershiphasexceeded100millionunits,accountingfornearlyone-tenthoftheglobaltotal.However,duetothelagoftransportationmanagement,people'slackoflawsandregulations,roadtrafficaccidentsfrequentlyoccur,causinghugepersonalinjuryandpropertydamage.Vehicleinsurance(hereinafterreferredtoas“carinsurance”)isalsoincreasinglypopularinallwalksoflife.attention.Intheautoinsuranceclaims,highinsuranceandlowcompensation,noliabilityexemption,claimspricing,claimstimeliness,insurancefraudandautomaintenancemarketmonopolyhavebecomehottopics.Overlordtermsandclaimsaredifficulttoappearinthemediareports.Atpresent,thetheoreticalresearchoninsurancesupervisioniscarriedoutinawiderangeofways.Fortheprimaryinsurancesupervisiondepartment,autoinsurancesupervisionisequallyimportant.Thispaperstartsfromtheactualsituationofgrassrootsautoinsurancesupervisionwork,studiesanddiscussesthesupervisionofthecentralcityautoinsurancemarket,andthenradiatesthemodelofregionalmarketdevelopment,whichhelpstoexploreideasforregulatorypractice.Basedonthis,thispaperintendstoanalyzetheproblemsexistinginChina'svehicleinsurancemarket,andusepublicmanagementtheoryandmathematicalmodelstodeeplydiscussthemarketstatus,existingproblemsandcauses,andprovidevaluablecountermeasuresforgovernmentregulatorydecision-making.Keywords:autoinsurance;marketdevelopment;statusanalysis;countermeasures目录摘要...................................................................................................................................................IABSTRACT.....................................................................................................................................II1绪论..............................................................................................................................................11.1课题研究背景............................................
