中国财产保险公司车险经营绩效研究

保险险种的经营绩效是险种综合实力的体现,绩效评估有利于保险公司客观、准确地认识 所经营险种的发展。文章利用SAS软件从中国保险行业整体以及各家财产保险个体的角度从 规模成长、盈利能力以及发展风险等方面对财产保险公司机动车保险的经营绩效进行了详细 的分析。通过研究发现,中国财产保险公司的车险经营状况参差不齐,优势与劣势并存,必 须总结经验与教训,努力提高车险业务经营的整体实力,促进中国车险市场蓬勃发展。

A Positivistic Analysis of the Performance of Automobile Insurance in Property Insurance Companies

The operating achievements of insurances are exhibitions of the insura nce's overall strength. The achievements' evaluation is good for the insurance c ompanies' realization of the developments of the insurances. In the light of the whole insurance industry of China and the individual property insurance company , the author endeavors to analyze the operating achievements of China's automobi le insurance in the aspects of size pullulation, payoff capability and developme nt risk with SAS. The study reveals that not all the automobile insurance' perfo rmance of our national property insurance companies is good, both advantages and disadvantages exist at the same time. We need to summarize the successes and fa ilures so as to enhance the overall strength of our national automobile insuranc e and make our automobile insurance market flourish.