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1993年,全国人保系统国内业务承保机动车辆913.5万辆,保费收入达96.14亿元,已占同期人保系统国内财产险业务保费收入的一半以上.从业务规模上看,机动车辆保险已成为人保的第一大险种,因此,如何促使机动车辆保险业务更健康地发展,对提高人保的整体经济效益显得至关重要.一、机动车辆险业务发展中遇到的主要问题从1979年恢复国内保险业务以来,机动车辆保险从无到有,迅速得到发展.无论是对本公司的经济效益,还是对社会提供保险保障的社会效益,成效都十分显著.但是从1991年开始,机动车辆险赔付率逐年上升,特别是1993年,车险赔付率高达74.9%,比上年同期上升10.5个百分点,即多赔款10亿元.
In 1993, the domestic PICC business covered 9,135,000 motor vehicles with a premium income of 9.614 billion yuan, accounting for more than half of PICC’s domestic property insurance premiums for the same period. From a business perspective, motor vehicle insurance became PICC The first major insurance, therefore, how to promote the healthy development of motor vehicle insurance business is very important to improve the overall economic benefits of PICC.First, the main problems encountered in the development of motor vehicle insurance business From 1979 to restore the domestic insurance business , Motor vehicle insurance has developed rapidly from scratch and has achieved remarkable results both in terms of economic benefits to the Company and the social benefits of insurance coverage for the society but since 1991 the motor vehicle accident insurance benefit rate has been increasing year by year , Especially in 1993, auto insurance claims rate as high as 74.9%, an increase of 10.5 percentage points over the same period the previous year, that is, more than 1 billion yuan compensation.