【正文】 后投?；蚣颖?，按事故分類，以單方事故為最；按險別以加保車損險或提高車損險保額，增加盜搶險、火災險、爆炸險、自然險和 增加玻璃單獨破碎險為多。部分保護為騙取保險賠款，鋌而走險，不擇手段，挖空心思地變換花樣，以達到騙陪的目的。 (4) 部分車輛的“套費”現(xiàn)象嚴重。如：人為將營業(yè)用車作為非營業(yè)用車性質(zhì)承保、家庭用車作為非營業(yè)用車承保，造成保險公司不必要的損失。部分核保人員工作責任心和原則性不強，風險意識較低，憑感覺行事，不能嚴格按照公司制定的核保規(guī)章辦事不能有效發(fā)揮計算機遠程核保的功能。大凡涉及第三者損失 的雙方交通事故，交警對雙方責任界定時，都會將“車輛保險”因素考慮進去，參加保險的車輛 一方所劃定的責任比例。這種不是按照道路交通事故發(fā)生的真實情況來界定的責任比例，在保險理賠實務操作中屢見不鮮，保險公司對此也只能有苦難言。國民交通意識淺薄，部分肇事司機酒后駕車、無證駕車、違章超車、嚴重超載和超速行駛等現(xiàn)象在國內(nèi)道路交通中司空見慣、比比皆是。部分肇事司機甚至觸犯了刑律，而不能得到 及時應有的懲治，無形之中助長了部分司機違章行為的屢屢發(fā)生。盡管法律明確規(guī)定了保險欺詐的嚴重后果，但實際操作之中對形形色色的保險詐騙往往沒有付諸實施，對查出的欺詐案件大多以歸還所騙取的保險金了事，基本沒有采取相應的法律手段和經(jīng)濟手段予以懲罰，無形之中助長了保險詐騙案件的屢屢出現(xiàn)，嚴重威脅著保險公司賴以生存的環(huán)境。諸多事故的第一現(xiàn)場查看不力，導致事故損失過程模糊，損失結果不清，責任無 法確認，給整個理賠操作帶來諸多隱患和不必要的麻煩。 (2) 定損、報價環(huán)節(jié)缺乏必要的監(jiān)督、制約機制。 (3) 查勘、定損、理賠環(huán)節(jié)的脫節(jié)現(xiàn)象嚴重。實踐之中出現(xiàn)的諸多問題，大都產(chǎn)生于各環(huán)節(jié)之間的銜接點，由于沒有采取有效的應對措施，致使整個保險體系不能順利運作，缺乏必要的監(jiān)督和信任，形不成良好的互動機制。 汽車保險行業(yè)應該改善的方面 規(guī)范市場秩序的迫切需要 目前我國汽配市場和車險理賠市場存在的主要問題之一就是信息的不對稱和不透明產(chǎn)生的信息隔離，再加上種種人為因素，致使暗箱操作盛行、交易成本過高、交易效率低下、服務差強人意。由于缺乏充分的信息，造成要么賠付額過高，給保險公司造成損失；或者賠付額低，保險公司與車主、汽車修理廠幾方之間產(chǎn)生 很大矛盾，影響了保險業(yè)務的發(fā)展，影響了汽車售后的服務質(zhì)量。 6 注意事項 現(xiàn)在，汽車保險已被普遍接受?？墒遣⒎撬械氖鹿受囍鞫寄艿玫饺~理賠，保險專家說，對于車險理賠，車主應注意以下幾個問題。發(fā)生交通事故后，車主應保護好現(xiàn)場，并在 48 小時內(nèi)向保險公司報案，如實陳述事故發(fā)生經(jīng)過，提供保險單，等待保險公司查勘人員到現(xiàn)場查勘，同時填寫好《索賠申請書》。 其二，了解拒賠范圍和免責范圍。 保險專家說，對于年審不合格或沒有年審、拖帶未保險車輛、 交通肇事逃逸 、 購買二手車后保單未過戶的車輛，保險公司有權拒賠。以盜搶險為例，如果車上零部件或附 屬設備被盜竊或損壞，而非全車遭盜竊，保險公司不予理賠。因為在車險續(xù)保時，保險公司有一個保費優(yōu)惠條款，即車輛一年未出險，第二年續(xù)保時即可享受 10%左右的保費優(yōu)惠；如果連續(xù)幾年沒有出險記錄，那么保費優(yōu)惠最高能達到 30%左右。因為保單都一樣的。 結 論 本文以我國汽車保險市場為探討對象，分別介紹了它的分類、購買、現(xiàn)狀。同時，也對我國保險市場的發(fā)展方向提出了我的看法。 （ 2）投保者應樹立正確的意識并提高對保險市場的辨別能力，選用合適格保修類別。 宜賓職業(yè)技術學院畢業(yè)論文 21 致 謝 伴隨三年大專生涯 的結束，我的大學生活也將在這里畫上一個句號，而我的人生卻只是一個逗號，我將面對又一次征程的開始，三年的大學生涯在師、親友的大力支持下，走的辛苦卻也收獲滿囊，在論文即將付梓之際，思緒萬千，心情久久不能平靜，偉人、名人為我所崇拜，可是我更急切的要把我的敬意和贊美獻給一位平凡的人，我的導師 李勇 ，我不是您出色的學生，很多您指點過的問題我表現(xiàn)的還是那么木訥，但您還是不厭其煩的予以指導，常讓我有種柳暗花明又一村的感覺，授人以魚，不如授人以漁，置身其間，耳濡目染、潛移默化，感謝您讓我領會了您別樣的思考方式，在我眼里您就是 最出色的老師?；貞涍@三年生活的點點滴滴，從入學時對大學生活的無限憧憬到課堂上對各位老師學術學識的深沉沉淀，從奔波于教室圖書館的來去匆匆到業(yè)余生活的五彩繽紛，一切中的一切都是歷歷在目，讓人倍感留戀，倍感珍惜。 在此，特向 李勇 老師致以衷心的謝意。 參考文獻 [1] 張毅 .汽車保險市場營銷 [M].北京 :機械工業(yè)出版社， :2425， 8687， 8990. [2] 張仁琪，高漢初 .世界汽車保險道路趨勢、矛盾和對策 [M].北京 :中國經(jīng)濟出版社，:102， 218221， 274275. 宜賓職業(yè)技術學院畢業(yè)論文 23 [3] 王宇寧 .網(wǎng)絡 化汽車保險服務 [M].北京 :電子工業(yè)出版社， :818. [4] 張國方等 .汽車保險服務工程 [M].北京 :電子工業(yè)出版社， :155157. [5] 杜艷霞，李祥峰 .汽車與保險營銷實務 [M].北京 :科學出版社， :123125. [6] 宓亞光 .汽車保險 [M].北京 :機械工業(yè)出版社 ， :6575. 宜賓職業(yè)技術學院畢業(yè)論文 24 您好，為你提供優(yōu)秀的畢業(yè)論文參考資料，請您刪除以下內(nèi)容， O(∩ _∩ )O 謝謝?。。?A large group of tea merchants on camels and horses from Northwest China39。s Zhangye city during their journey to Kazakhstan, May 5, 2022. The caravan, consisting of more than 100 camels, three horsedrawn carriages and four support vehicles, started the trip from Jingyang county in Shaanxi on Sept 19, 2022. It will pass through Gansu province and Xinjiang Uygur autonomous region, and finally arrive in Almaty, formerly known as AlmaAta, the largest city in Kazakhstan, and Dungan in Zhambyl province. The trip will cover about 15,000 kilometers and take the caravan more than one year to plete. The caravan is expected to return to Jingyang in March 2022. Then they will e back, carrying specialty products from Kazakhstan A small art troupe founded six decades ago has grown into a household name in the Inner Mongolia autonomous region. In the 1950s, Ulan Muqir Art Troupe was created by nine young musicians, who toured remote villages on horses and performed traditional Mongolian music and dances for nomadic families. The 54yearold was born in Tongliao, in eastern Inner Mongolia and joined the troupe in says there are 74 branch troupes across Inner Mongolia and actors give around 100 shows every year to local nomadic people. I can still recall the days when I toured with the troupe in the early 39。t help but sing the folk songs, Nasun says. The vastness of Inner Mongolia and the lack of entertainment options for people living there, made their lives lonely. The nomadic people were very excited about our visits, Nasun recalls. We didn39。t just about sharing art with nomadic families but also about gaining inspiration for the music and dance. Ulan Muqir literally translates as red burgeon, and today39。s villages and entertain nomadic families, but their fame has spread around the world. On May 16 and 17, nearly 100 singers and dancers from the troupe performed at Beijing39。s president, who is also a renowned tenor, tells China Daily. During a tour in 1985, he went to a village and met an elderly local man, who told him a story about his friendship with a solider from Shenyang, capital of Northeast China39。s cultural foray overseas, has been widely panned by its home audience. Retitled Empresses in the Palace, the American version has been shortened from its original 76 episodes at 45 minutes each, to six 90minute episodes. The quick pacing threw off many native viewers, who are accustomed to a more leisurely daytimesoapstyle narrative rhythm. (Chinese TV stations would run two or three episodes every day.) I did not finish the fulllength version and found the truncated one not difficult to follow. What39。s to e and recapping the key points. This device, not used in the original, is culturally understandable but artistically mediocre. What puzzles me is the two new songs for the opening and end credits. They were written in English, but sung by Chinese with an unfortable accent. They were obviously designed to appeal to an Englishspeaking base, but do not jibe with the Chinese dialogue. Speaking of the dialogue, the English translation, picked apart by some Chinese, is too literal for my taste. I can imagine a typical American hit by a flurry of royal ranks, addresses and greetings, even multiple names and titles for the same person. The first half hour must be a swamp to wade through, very much like my experience of getting through a Tolstoy tome with its endless inflections of names transliter