A paper on the benefits of insurance

Discussion on the development of insurance loss assessment industry in China. : JR040 summary

The emergence of insurance loss assessment can be traced back to Britain more than 300 years ago. At present, the insurance adjuster system has been relatively perfect in developed countries such as Europe and America. Internationally, at present, due to the strengthening of professional division of labor, more than 80% of the survey and claim settlement business of insurance companies are entrusted to insurance assessors. The development of insurance loss assessment industry has become an inevitable trend of expanding the scale of insurance market.

At present, China's insurance intermediary market is still in its infancy, and insurance assessment, as a kind of insurance intermediary, has been absent and neglected for a long time. In addition to playing a fair and just role in insurance operation, public assessment also plays an important role in disaster prevention and reduction. However, this nature of insurance adjusters has not been recognized and affirmed by the society. The expansion of insurance adjusters will be conducive to the healthy development of the insurance market, make the market more healthy and transparent, truly protect the legitimate rights and interests of the insured or beneficiaries, and get fairer compensation and protection when they are damaged.

However, with the development of the insurance market, the large and comprehensive business model of insurance companies has been unable to maintain the professionalism and high service level in all aspects of insurance claims. At the same time, the insurance company's business model also inhibits the development of the loss assessment market, which leads to problems such as small scale, irregular operation, low market recognition and low overall quality of loss assessors.

In view of the problems existing in the development of insurance assessment market at present, this paper discusses the necessity of the existence of insurance assessment market by using the theory of specialized division of labor, and puts forward some suggestions on the development of insurance assessment market.

Key words: insurance adjuster, insurance adjuster, development dilemma, professional division of labor directory

Abstract 1

1 Introduction 4

1. 1 research background 4

1.2 research ideas 4

1.3 research method 4

2 Overview of the development of insurance loss assessment industry in China 5 pages

2. 1 The concept of insured loss 5

2.2 China insurance assessment market development overview 5

2.2. 1 the rise of China insurance adjuster market 5

2.2.2 Overview of the overall operation of insurance assessment companies in recent years 6

3 The current development dilemma of China insurance loss assessment industry 7 pages

3. 1 The legal status of insurance adjusters in China is not clear 7

3.2 insurance adjusters self-positioning fuzzy, blind price war 8

3.2. 1 unclear self-positioning and poor management 9

3.2.2 Blind price competition 9

3.3 Low professional level, lack of evaluators 9

4. Reasons for the problems in China's insurance assessment 10

4. 1 specialization theory 10

4.2 Insurance companies are used to the one-stop business model of "big and complete, small and complete" 12.

4.3 Loss appraisal companies are based on division of labor, but the level of specialization is still not high 13.

4.4 Social neglect of the existence of insurance assessment is the need to achieve specialization 14

5 China insurance loss assessment industry development model 14

5. 1 Establish the legal status of insurance adjusters and enhance social recognition 14.

5.2 Strengthening cooperation with insurance companies 15

5.3 Improve the management ability and service level of the evaluation company itself 16

5.3. 1 Explore new business modes and create new business ideas 16

5.3.2 Absorb and cultivate high-quality talents and improve professional service level 17.

Thank you 18

Reference 19