理赔观念的落后、理赔方式的单一、理赔方案的缺乏、理赔程序的烦琐是货运险理赔难的最突出表现。一方面,国内保险公司长期沿用传统的、适用于国企和中小规模私企的固定理赔方法的弊端日益明显,已无法适应当前货运险理赔的形势;另一方面,外资保险公司正通过多种媒介和渠道,不断宣传自已理赔优势扩大其在中国货运保险市场的影响。正是外资保险公司先进理赔方式对国 The concept of backward claims, claims a single way, the lack of claims programs, claims procedures cumbersome is the most prominent manifestation of the difficulties in the claims of freight insurance. On the one hand, the long-term domestic insurance companies continue to use the traditional method of fixed claims that apply to state-owned enterprises and small and medium-sized private-owned enterprises has become increasingly obvious and can no longer meet the current situation of claim settlement; the other hand, foreign insurance companies are through a variety of media and Channels, continue to promote their advantages in claims settlement to expand its impact on China’s freight insurance market. It is the foreign insurance company advanced claims settlement on the country