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通过分析国内财产保险公司现行机动车辆险保险条款中存在的主要问题,旨在找出机动车辆险保险条款设计中导致理赔风险增大的主要因素,同时借鉴国外先进经验,设计具体方案,提出驾驶员等级评定的方法和标准,体现保险分类评级的思想,以改善机动车辆保险条款,从而有效防范机动车辆保险潜在的理赔风险,实现保险公司利润最大化的目标。
By analyzing the main problems existing in the current automobile insurance provisions of the domestic property insurance companies, this paper aims to find out the main factors that lead to the increased risk of claims in the design of the motor insurance insurance terms. At the same time, draw lessons from advanced foreign experience, design specific programs, put forward the driving The methods and standards for appraising staff rating reflect the idea of rating insurance rating, so as to improve the terms of motor vehicle insurance, so as to effectively prevent the potential claims risk of motor insurance and maximize the profits of insurance companies.