目前在我国保险市场上,机动车保险占到了财产险市场的重要部分,然而由于我国的机动车保险市场处于发展阶段,同时机动车的市场也处于高速发展变化中,因此在特定的环境下目前我国的机动车保险赔付率居高不下。作者根据对机动车保险市场的研究以及从再保险行业的观点对机动车保险? At present, motor insurance occupies an important part of the property insurance market in our country’s insurance market. However, as China’s automobile insurance market is undergoing development and the market for motor vehicles is also undergoing rapid development and changes, under the specific circumstances, China’s motor vehicle insurance claim rates remain high. The author inspects motor vehicles based on the study of the motor vehicle insurance market and from the point of view of the reinsurance industry.