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车险作为产险公司经营时间最长、保费规模占比最高的险种,随着汽车消费强力拉动、经营该险种主体增加和产业政策、费率政策、强制险政策的调整,我国车险业务得到迅猛发展。车险保费规模迅速扩张,给行业带来喜悦的同时,因盈利能力较弱,也使行业和监管部门产生了忧虑和困惑。文章通过对车险盈利能力脆弱的主要成因进行分析,结合车险市场的现状总结出提升车险盈利能力的意见,对车险的经营具有现实意义。
As the insurance company with the longest operation time and the highest proportion of premiums, auto insurance business has been developing rapidly with the increase of automobile consumption and the increase of the main business of insurance and the adjustment of industrial policy, rate policy and compulsory insurance policy . Rapid expansion of auto insurance premium scale brings joy to the industry, meanwhile, its weak profitability also causes worries and confusion to the industry and regulatory authorities. By analyzing the main causes of the fragile profitability of auto insurance and combining with the current situation of auto insurance market, the article summarizes the opinions on improving the profitability of auto insurance and has practical significance to the auto insurance management.