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幼苗
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Analysis of Chinese automobile insurance moral risks and precautions
Abstract
Along with the vigorous development of the automotive industry, the automobile insurance business also emerge as the times require wind unboiled water rises, more and more money into the emerging industry. While the insurance amount determines the insurance company can operate even listed. In the major insurance companies began to get involved in automobile insurance at the same time, also stepped up its to bear the moral risk. Due to the asymmetric information in the insurance market, the moral risk of insurance business poses a significant threat to. Therefore, insurance moral hazard has become the hotspot problem.
In the auto insurance business premium income growth at the same time, the poor performance caused the attention of people increasingly, trade deficit has become the accepted view. The auto insurance business, poor operating efficiency, is the result of various factors, and in numerous factors, various due to information asymmetry induced by the moral risk problem is highlighted particularly. China's insurance business in frequent moral risk problem, directly leads to the high rate of auto insurance claims. This is bound to our country auto insurance business long-term healthy development has a devastating effect, how to establish and perfect the insurance business moral risk prevention mechanism has become China's Insurance Company problems.
In this paper, the current situation of auto insurance auto insurance origins, auto insurance moral hazard definition, risk type, risk characteristics were reviewed in detail on the basis of the claim, deficiencies and study how to undertake the risk is on guard.
Key words: vehicle insurance, moral risk, risk types, characteristics of risk, risk prevention
另外:关于China's 与Chinese的区别
真正正式的说法是用China's而不是轻易用Chinese.
这里面有几个区别.
一般来讲,China's 指的是地理上的中国,而Chinese指的是中国人的中国.这个在一般非正式场合是没有太大区别的但在正式场合有很大的区别.
比如,在学术讨论或者相对严谨的讨论上,少数民族,尤其是藏族和维吾尔族,是不被当做Chinese 的.一般来讲这种情况下,Chinese指的是母语为汉语的所有人,包括海外华人,也包括民族是少数民族但是母语是汉语的人,例如满族人或者不会说本民族语言的少数民族.这里的”中国的“指的是他们这些人的.
而China's更多地是强调地理范畴的,因此在政治辩论上,例如美国总统或国会辩论上用的一般是这个词.
另外,还有语言习惯上的区别.
过去(1900前,至1950s)美国人更习惯用Chinese,而现在则更多地用China's.
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