机动车辆保险业务是国内保险业务中上得最快、影响最大的骨干险种,但是由于其承保面越来越大,所承担的风险也相应上升,近几年,赔付率居高不下,甚至有相当一部分基层司处出现倒挂,在较大范围内,赔款年增长比例远远超过了保费的年增长比例.造成机动车辆赔付率上升的原因是多方面的,但就实际工作中体验、总结及一些资料分析,我认为最主要最基本的还是由于我们重发展,轻管理,没有对机动车保险业务实行专业化管理,并建立一支训练有素的专业队伍所致.我认为实行机动车保险业务专业化管理是降低赔付率的基本保证.一、实行专业化管理,有效地把住承保质量关实行专业化管理后,有一支专业技术知识较强的干部队伍,因此在承保环节上能够熟练地了解掌握 Motor vehicle insurance business is the fastest-growing and most influential backbone insurance in the domestic insurance business. However, due to its increasing coverage and the corresponding increased risks, the loss-making ratio in recent years has remained high. A considerable portion of grassroots divisions are upside down. In a large area, the annual increase in compensation payments far exceeds the annual growth rate of premiums. The reasons for the increase in motor vehicle compensation claims are many. However, in actual work experience, summaries and Some data analysis, I think the most basic and most fundamental or due to our re-development, light management, there is no professional management of motor vehicle insurance business and the establishment of a well-trained professional team caused by I think the implementation of motor vehicle insurance Business professional management is to reduce the basic guarantee for the loss ratio.First, the implementation of professional management, effective implementation of the quality of underwriting insurance professional management, there is a strong professional and technical knowledge of the cadre team, so in the insurance link can be skilled Learn to master