文档介绍：江苏财经职业技术学院
毕业论文
标题: 保险理赔难的原因及解决对策
系别: 工商管理系
专业: 金融保险
学号: 0810204109
姓名: 纪菊秋
指导教师: 张苏红
2011 年 05 月 02 日
江苏财经职业技术学院
毕业设计(论文)诚信承诺书
本人郑重声明:所呈交的毕业设计(论文)(题目: 保险理赔难的原因及解决
对策)是在指导老师的指导下本人独立完成的。尽本人所知,除了毕业设计(论
文)中特别加以标注引用的内容外,本毕业设计(论文)不包含任何其他个人或集体已
经发表或撰写的成果作品。
作者签名:纪菊秋 2011 年 05 月 02 日
(学号):0810204109
1
保险理赔难的原因及解决对策
摘要
我们注意到近年来我国保险公司存在严重的“重业务、轻管理”的倾向,导致理赔
风险逐年增大。我国保险业正在向规范化、制度化逐步发展,重塑保险业信誉,做大做
强我国保险业,“理赔难”就是一个瓶颈,突破了这个瓶颈,我国的保险业将会进入一
个新天地。针对我国目前保险业理赔难的现状进行分析研究,找出其症结,积极寻求解
决对策,将对我国保险业的长久发展、稳定经营提供前提和基础。
关键字:保险;理赔难;现状分析;解决对策
2
The difficult of Insurance claims reasons and solutions
Abstract
We noticed that in recent years, China pany has serious "heavy
business, light management" tendencies, lead to claim risk has been increasing
year by insurance industry is standardized and institutionalized
gradually to reshape the insurance industry development, prestige, bigger and
stronger in the insurance industry, "claims difficult" is a bottleneck, broke
through the bottleneck, our country's insurance will enter a new world. I view
of the insurance of our country at present claims difficult situation analysis
research and find out the existing problems, actively seek solutions to the
insurance industry, long-term development, stabilize operation provide premise
and foundation.
Key words: insurance ; claims difficult ; situation analysis ; solution
countermeasures
3
目录
摘要..........................................................................................................................................2
目录..........................................................................................................................................4
引言..........................................................................................................................................5
1 我国保险理赔现状..............................................................................................................5
2 保险理赔