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由于机动车辆保险费率市场化和市场竞争的影响,机动车辆保险业务的费率持续走低,经营效益受到严重影响,加上目前的机动车辆保险中含有台风、暴雨和洪水等责任,在现阶段易引发巨灾风险,更是对机动车辆保险的稳定经营造成严重影响。因此,加强机动车辆保险台风、暴雨和洪水灾害风险管理有着重要的意义。
Owing to the marketization of motor vehicle insurance premiums and the impact of market competition, the rates of motor vehicle insurance business continued to decline and the operating efficiency was severely affected. In addition, the current motor vehicle insurance includes typhoon, heavy rain and floods. At this stage It is easy to cause the catastrophe risk, but also has a serious impact on the stable operation of motor vehicle insurance. Therefore, it is of great significance to strengthen risk management of typhoon, torrential rain and flood disaster in motor vehicle insurance.