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近几年,随着我国保险市场的不断成熟,产险市场的竞争越来越激烈,车险在产险市场占据着重要江山,各市场主体在车险市场的竞争更是进入了白热化阶段,车险业务已进入薄利时代。赔付率指标是指导车险经营的重要工具,因数据统计口径、应用目的等不同,在车险的经营中,有多种赔付率指标被采用,其中,终极赔付率指标在指导车险业务发展方面应用较广泛。终极赔付率能及时反映
In recent years, as the insurance market in our country continues to mature, the competition in the property and casualty insurance market is becoming more and more intense. The automobile insurance occupies an important position in the property and casualty insurance market. The competition among the market players in the auto insurance market is even more intense. The auto insurance business Has entered the era of small profits. Payout rate indicators are important tools that guide the auto insurance business. Due to different data statistics, application purposes and so on, a variety of payment rate indicators have been adopted in the auto insurance business. Among them, the ultimate payment rate indicator is applied in guiding the auto insurance business development widely. The ultimate payment rate can be reflected in time