

版权说明:本文档由用户提供并上传,收益归属内容提供方,若内容存在侵权,请进行举报或认领
文档简介
Topic:ResearchontheManagementandRiskControlofChina'sAutoInsuranceIndustryMarketExecutiveSummary(summarizingthepurpose,significanceandexpectedresultsofthestudy)Withthecontinuousimprovementofresidents'livingstandardsandthegradualincreaseofcarownership,thedevelopmentofinsurancecompanies'carinsurancebusinessisextremelyrapid.Motorvehicleinsuranceplaysanimportantroleinthebusinessofpropertyinsurancecompanies,whichisdirectlyrelatedtothepremiumincomeandmarketshareofpropertyinsurancecompanies.Theoperationofautomobileinsurancedirectlyaffectstheoperationresultsandlong-termdevelopmentofinsurancecompanies.Inrecentyears,withthecontinuouspromotionofthereformofvehicleinsurancefee,thecompetitionofvehicleinsurancemarketisbecomingincreasinglyfierce.Duetotheinfluenceofvehicleinsuranceratecontrol,vehicleinsuranceproductstendtobehomogeneous,butcustomerdemandismorediversified.Theregulationofcommercialautoinsuranceratereformforcespropertyinsurancecompaniestoshiftthecompetitionofautoinsurancefrompricecompetitiontobrandcompetitionandservicecompetition.Therefore,asthesourceandultimatevalueofinsuranceprotection,autoinsuranceclaimsaredirectlyrelatedtocustomerloyaltyandrenewalrate.However,duetothephenomenonof"payingmoreattentiontounderwritingthantoclaims,andpayingmoreattentiontobusinessthantoservice"intheindustryintheearlystage,thecontradictionbetweenthesustainabledevelopmentofautoinsurancebusinessandthecurrentabilityofautoinsuranceclaimsservicehasbecomeincreasinglyprominent.Theproblemsexposedineachlinkofclaimsettlementoftenincreasetheoperatinganddevelopmentcostsofinsurancecompanies.Atthesametime,itbringsacertaindegreeofmoralhazard,whichinturnhasbecomeanimportantfactorrestrictingthedevelopmentofinsurancecompanies'autoinsurancebusiness.Basedontheliteraturereviewathomeandabroad,thispaperusesthemethodofcombiningtheorywithpracticetoanalyzetherelevantdataandrefertoalargenumberofliterature.Thispaperisdividedintofiveparts.Inthefirstpart,theresearchbackgroundandrelatedtheoreticalbasisarebrieflyintroduced.Thesecondpartsummarizestheresearchofscholarsathomeandabroad.ThethirdparttakesXcompany'sautoinsuranceclaimmanagementasacasestudy.Basedontheanalysisofthecurrentsituationofitsautoinsuranceclaimmanagement,bycomparingandstudyingthedataandindicatorsinvolvedinautoinsuranceclaimmanagement,itexploresandfindsouttheproblemsexistinginthecompany'sclaimmanagement,suchaslongprocesscycle,highdependenceonservicelossassessmentandweakriskcontrolability.Then,throughtheanalysisanddiagnosisoftheexistingproblemsofclaimsservice,thepaperanalyzesthecausesandsummarizesthemaincausesoftheproblems.Amongthem,therearedefectsinthemanagementorganizationstructure,lackofhumanresourceallocation,smallauthorityandmanyapprovalprocesses.ThefourthpartcombinestheresultsofthepreviousanalysisandtakestheactualproblemsexistinginthecurrentclaimssettlementofXcompanyastheguidance,fromadjustingandimprovingtheorganizationalstructure,usingecrsianalysismethodtooptimizetheclaimssettlementprocess,promotingtheconstructionofclaimscustomerrelationshipmanagement,strengtheningtheconstructionofprofessionalclaimssettlementteam,improvingthequalityofclaimssettlement,andimprovingthequalityofclaimssettlementInordertofurtherimprovethequalityofinsurancecompany'sautoinsuranceclaims,sixaspectsofstrengtheningthemanagementofhumaninjurycasesandimprovingtheriskcontrolofautoinsuranceclaimsareputforward.Thefifthpartisthesummaryofthefulltextandtheprospectoffutureresearch.ThroughtheresearchontheclaimmanagementofXcompany,thispaperhopestostrengthenandimprovetheclaimservicequalityofthecompanyandenhancecustomersatisfaction.Atthesametimeofreducingthecomprehensivecostofautomobileinsurance,thecompany'smarketcompetitivenessisconstantlyimproved.Ontheotherhand,italsohopestoprovidesomereferenceforothersmallandmedium-sizedpropertyinsurancecompanies,promotethepropertyinsurancecompaniestoimprovethemanagementofautoinsuranceclaimserviceafterthereformofautoinsurancerate,andpromotethesteadydevelopmentofautoinsuranceoperation.ResearchOriginandProblemStatement(2.0):Withthecontinuousdevelopmentofsociety,thelivingstandardandconsumptionabilityofurbanresidentscontinuetoimprove,andtheproductiontechnologyofautomobilemanufacturingindustryisbecomingmoreandmoremature.Moreandmoreurbanresidentschoosecarsasmeansoftransportation,andthenumberofmotorvehiclesisincreasing.Thishasalsoledtothedevelopmentoftheautomobileinsuranceindustry,andtheproportionofautomobileinsuranceintheinsuranceindustryisgraduallyincreasing.In2019,thepremiumincomeofvehicleinsuranceinChinawillreach818.8billionyuan,accountingfor62.91%ofthetotalpropertyinsurancebusiness.Itcanbeseenthatvehicleinsurancebusinessoccupiesamajorpositioninpropertyinsurancebusinessandisthemaintypeofinsuranceoperatedbypropertyinsurancecompanies.Althoughtheautoinsurancebusinessoccupiesanimportantpositioninthefieldofpropertyinsurance,theoveralldevelopmentoftheautoindustryisweak.Automobilemarketsaturation,urbancongestion,environmentalpollution,risingcostsandotherfactorsarethekeyreasonstolimitdomesticautomobileproductionandmarketing.Andthedepressionofautomobileproductionandmarketingindustrywillbenormalforaperiodoftime.AsofApril2019,thereare87propertyinsurancecompaniesinChina.Forsmallandmedium-sizedpropertyinsurancecompanies,thecompetitivepressureoftheindustryisincreasing,andthecustomermarketisgraduallyshrinking.Thesurvivalpressureofsmallandmedium-sizedinsurancecompaniesistoobig,whichwillinevitablyleadtotheviciouscirclecompetitionof"emphasizingscaleandneglectingservice".Withthecontinuousinterventionofgovernmentpolicies,thevehicleinsuranceratehasbeenchangedthreetimessince2015,andtheindustrystandardofthesamepriceandqualityhasgraduallyformedinthemarket.Thisalsomeansthatthecompetitivemodeofrelyingonpricereductiontoattractusershasbeeneliminated,andtheconsumergroupspaymoreattentiontothediversityanddiversificationofserviceswhenconsideringthefactorsofinsurance.Amongthemanyservicesofinsurancecompanies,claimserviceisthemostconcernedserviceitem.ResearchPurpose(3.0):ThispapertakesXcompanyastheresearchobject,summarizesandanalyzesthecurrentsituationofitsclaimmanagement,clarifiestheexistingproblemsandthecausesoftheproblems,andputsforwardmeasuresandsuggestionstooptimizetheriskmanagementofautomobileinsurance.Soastooptimizethevehicleinsuranceservice,returntothesourceofinsurance,improvethecompany'smarketcompetitiveness,improvecustomersatisfaction.Finally,thecompanyX'sautoinsuranceclaimsandevenautoinsurancebusinesscanbebetterdeveloped.4.0ResearchScopes:Predecessorshavedonealotofresearchoninsurance,butmostofthemfocusonthestructuralanalysisofthewholeinsuranceindustryoracertaininsurancebusinessatacertainstageofdevelopment,andlessonacertaininsuranceserviceofthecompany.Theimprovementofclaimmanagementqualitycaneffectivelypromotetheimprovementofthecompany'sinternalautoinsurancebusinessriskandmanagementsystem.Formclosetothecustomergroupclaimsconcept,andthenformaperfectclaimmanagementmode.Fromtheperspectiveofcustomers,theestablishmentofasoundclaimsmanagementsystem,effectivefromcustomersatisfaction,vehicleinsuranceclaimsriskmanagement,vehicleinsuranceclaimsprocessimprovementandotheraspectsofspecialoptimization,inordertopromotethedevelopmentofvehicleinsurancebusiness,isthefuturedevelopmentdirectionofvehicleinsuranceclaims,butalsothegoalofeachinsurancecompanytoenhancetheirownvehicleinsurancebusinessability.Eachinsurancecompany'sclaimmanagementhasitsownparticularity,buttherearesomesimilaritiesamonginsurancecompanies.Theresearchofthispapercanalsoprovidereferenceforinsurancecompanieswithsimilarsituations,soastopromotethehealthydevelopmentofthewholeautoinsuranceindustry,andultimatelypromotetheimprovementoftheoperationandmanagementlevelandriskmanagementlevelofautoinsuranceenterprises.5.0Hypothesis/researchQuestions:themainpurposeofinsurancebusinessistoletcustomershavenoworries.Whencustomersareoutofdanger,itisanimportantwayforinsurancecompaniestobuildbrandimagetosolvetheproblemofcompensationtimely,quickly,legallyandreasonably.Accordingtotheanalysisofindustrydata,theexpectedultimatelossratioofnationalcommercialautoinsurancein2019willexceed55%,withayear-on-yearincreaseof3percentagepoints.Therefore,thewindowfunctionofclaimsettlementismoreandmoreobvious,andthequalityofclaimsettlementservicehasbecomethecoreindextomeasuretheservicequalityofinsurancecompanies.Improvingthecompany'sclaimservicequalitycannotonlyimprovethecompany'soverallservicequality,butalsoprovidecustomerswithgoodserviceexperience,thusenhancingthecompany'sreputationinthecustomergroup,soastoattractmorecustomerstothecompanytotakeoutcarinsurance.Theresearchofthispaperisalsobasedonthis.Xcompanymustalsostartfromclaims,vigorouslypromotethereformandoptimizationofclaimsmanagement,improveitsautoinsuranceoperationability,soastoreducetheriskoftheindustry.6.0LiteratureReview:Asfortheresearchontheoperationandclaimsofautomobileinsuranceenterprises,scholarsathomeandabroadmainlystudythefollowingfouraspects.First,theresearchonclaimsserviceofautomobileinsurance.Insuranceindustryisaservice-orientedindustry.Asabasicresearchofinsuranceindustry,theresearchonautomobileinsuranceclaimserviceisthefocusofscholarsandsociety.FouladvandMEandDaroonehAH(2005)taketheactualclaimmanagementofpropertyinsurancecompaniesasanexample,analyzesanddemonstratesthecurrentdevelopmentofclaimbusinessofpropertyinsurancecompaniesfromthetwolevelsofpropertyinsurancecompaniesandtheinsured,andconcludesthatimprovingthequalityofclaimserviceisthekeywayforthedevelopmentofpropertyinsurancecompanies.LuXixi(2015)tookPing'ancompanyasanexampletostudythecarinsuranceserviceofPing'aninsurance,andfoundthepriceproblemsintheprocessofdeterminingandcheckingthelossofcarinsurance.Proceedingfromthereality,sheputforwardseveralsuggestionstoimprovetheclaimprocessofmotorinsuranceofpropertyinsurancecompaniesinChinaatthepresentstage.Fromtheperspectiveofcustomers,XuBing(2019)analyzedthattheclaimprocessshouldstartfromtheperspectiveofcustomersatisfaction,consultmorecustomers'opinions,andconstantlyimprovetheclaimservice.Thesecondisabouttheefficiencyandqualityofautomobileinsuranceclaimservice.ScholarMasangsanN(2003)fromhisownworkexperienceshowsthattheimprovementofclaimservicequalityofpropertyinsurancecompaniescannotonlyrelyonthecompany'sownservicedepartment,butalsofullycommunicatewithcustomers,consulttheiropinionsandunderstandtheirspecificneeds.HanXiaohui(2014)alsoputforwardsimilarsuggestions.BycomparingtheservicemodesofChineseandforeignautoinsuranceclaims,thispaperanalyzestheproblemsexistinginChina'sautoinsuranceclaims,suchasignoringcustomerdemand,lowclaimefficiency,andlowutilizationrateofnewtechnology.Intheprocessofautoinsuranceclaimsettlement,itisnecessarytofullyconsidercustomersandcustomerservice(hospital,maintenancefactory),establish"chain"claimsettlementservice,andcomprehensivelyimprovetheautoinsuranceclaimsettlementprocessbyusinginformationtechnology.Thethirdisabouttheresearchofclaimriskandantifraud.Segovia-VargasMJetal(2015)mainlystudiedtheimpactofmoralhazardonthesettlementofclaimsinautomobileinsurance.Hestressedthatthroughskillstrainingtohelppropertyinsurancecompanyemployeespreventandidentifyproblemsthatmayoccurintheprocessofclaimssettlement.LuoTianyu(2015)studiedthecausesoftheriskaccidentsintheclaimsofautomobileinsurancefromtheperspectiveofthedefectsofthecurrentdomesticautomobileinsurancesystem,andbelievedthattherearetwomainreasonsforthedevelopmentofriskaccidents.First,itisdifficultforvehiclemaintenance,personnelmedicalandinsurancecompaniestoformaneffectiveconnection.Second,propertyinsurancecompanieslackofrisktrainingforclaimsettlementstaff.YinJian(2019)conductedareversestudyfromtheperspectiveofinsurancefraud.Thispaperstudiestherelationshipbetweenthepublic'sawarenessofinsurancefraudandtheantiinsurancefraudworkbyissuingquestionnaires.Thefourthpartisabouttheresearchontheclaimofpersonalinjuryinvehicleinsurance.Duetothelargeamountofcompensation,thecaseofhumaninjuryclaimsiscomplex,involvingmultiplerelationshipssuchastheowner,theinjuredandthethreeresponsibleparties,whichhasalwaysbeenthedifficultyofvehicleinsuranceclaims.WangTao(2018)pointedoutthathumaninjurycasesinvolvemanysubjects,complicatedlinks,andwithoutunifiedcompensationstandardsandregulatorymeasures,whicharepronetomoralhazardandfraudrisk.MaJing(2015)analyzedindetailtheinternalproblemsofinsurancecompaniesinthesettlementofpersonalinjuryclaimsofvehicleinsurance.Hebelievedthatthecostofdomesticinsurancecompanieswashighandtheassessmentmechanismwaslack.Atthesametime,thereisalackofprofessionalteam,soweshouldstrengthentheteambuildingofclaimsprofessionalsandimprovetheinternalmanagementmechanism.HendersonJetal(2011)proposedthatduetothemultiplelinksofhumaninjuryclaims,complexcasesandlongapprovalprocess,throughtheresearchontheefficiencyofhumaninjuryclaimsinvehicleinsurance.Therefore,itisnecessarytobuildthecoordinationofinformationsystemandcommunicationbetweendepartmentstoimprovetheefficiencyofhumaninjuryclaims.7.0Researchmethodology:thispapermainlyadoptsfouranalysismethods:literatureresearch,investigationandresearch,casestudyandinduction.Literatureresearchmethod:accordingtotheresearchdirectionofthistopic,throughliteratureretrieval,reading,analysisandcollectionofrelevantliteratureonvehicleinsuranceclaims.Andonthisbasis,itprovidestheoreticalbasisandresearchideasfortheresearchofthispaper.Investigationandresearch:throughthecollectionandcollationofrelevantdatasuchasclaimsettlementcycle,compensationratio,casevolumeandsettlementlistofXcompany,wecanunderstandthedevelopmentofeachcase.Thispaperanalyzestheexistingproblemsofthecompany,andseeksstrategiesandsuggestionstosolvetheproblemofclaimsCasestudymethod:basedonthebackgroundofXcompany,thispaperanalyzesthecurrentsituationofdomesticautoinsuranceclaims,findsoutthemainproblems,andputsforwardspecificimprovementmethodsandcountermeasures.Thatistosay,theresearchofthispaperisbasedonthecaseofXcompany.Induction:thespecificapplicationstartsfromthegeneralprinciplesandprinciplesofspecificcases,andanalyzesthedevelopmentandexistingproblemsofsimilarcasestoacertainextent.8.0Expectedoutcomes:thispapermainlyalongthe"currentsituationanalysis,problemanalysis,causeanalysis,solutions"suchasthecontextofresearch.TakingXcompanyastheresearchobject,startingfromthecurrentsituationofitsautoinsuranceclaimmanagement,thispapercarriesoutacomprehensivediscussiontoclarifytheproblemsandrisksexistingintheprocessofautoinsuranceclaimsettlementofthecompany,aswellasthespecificanalysisofitsinternalreasons.Andonthisbasis,putforwardtargeted,feasibleoptimizationcountermeasuresandsuggestions.Finally,theoptimizationofXcompany'sautoinsurancemanagementcanhelpthecompanyimprovetheservicelevel,improvetheoverallstrengthofthecompany'sautoinsurancebusiness,andpromotethestabledevelopmentoftheenterprise.9.0Milestonesandtimelinesforcompletion:Completetheprojectreportinfourstages,asfollows:Thefirststage,July2021.07-December2021.12.Themaintaskofthisperiodistodeterminetheresearchdirection.Andaccordingtotheselectedresearchdirectionofliteraturecollectionandreading.Withthehelpofnetworkplatformforcaseinformationcollection,andaftercollectingtherequireddata,weclassifyandsummarizetherelevantdata,andselectthemostsuitabledataforourresearchprojectforcarefulstorageandreading.Thesecondstage,fromJanuary2022.01toDecember2022.Accordingtothecollectedliteratureandthepreliminaryresearchdirection,completethewritingoftheresearchpaper,anddeterminetheoutlineofthepaper.ThethirdstagefromJanuary2023.01toDecember2021.12.Accordingtothepreviousresearchresults,combinedwiththeselectedcases,thispaperstudiesandanalyzesthistopic.Duringthisperiod,weneedtocompletethefirstdraftofthepaper,andimproveandmodifyitaccordingtotherequirementsofteachers.Thefourthstage,January2024.1-July2024.07.Duringthisperiod,theproblemsanddeficienciesinthecontentandformoftheprojectreportmustbefinallyreviewedaccordingtothesimulationresultsandevaluationresults,soastoreducetherepetitionrateofthepaper.Andduringthisperiod,weneedtopreparequestionsandrelatedmaterialsforthesisdefense.10.0Researchconclusion:sincethetwofeereformsofautoinsurance,thecompetitionfocusofenterpriseshasgraduallyshiftedfrompricecompetitiontoservicecompetition.Insuranceclaimserviceisakindofafter-salesserviceofinsurance.Itisanimportantpartoftheoperationanddevelopmentofpropertyinsurancecompaniesandplaysakeyroleinthedevelopmentofinsuranceenterprises.Thequalityofclaimservicedeterminesthedegreeofcustomersatisfactionwithinsurancecompanies,whichwillbethekeytothecompetitionofpropertyinsurancecompanies.Therefore,howtoprovidecustomerswithmoresatisfactoryclaimservicehasbecometheprimaryworkofinsurancecompanies.Atthesametime,regulatoryagenciesneedtoconstantlyregulatetheinsurancecompany'sclaimswork,requireinsurancecompaniestoputanendtotheproblemofdifficultclaims,andprotectthelegitimaterightsandinterestsofinsuranceconsumers.Keywords:autoinsurance,claimservice,riskmanagementProblemStatement(toprovideaconciseandcomprehensiveresearchtopicstatement)2.1Currentsituationofautomobileinsuranceindustry2.2Competitivepressureformedium-sizedpropertyinsurancecompanies2.3Claimserviceisthekeyfactor3.0ResearchObjectives(Whatwouldyouliketoknow,prove,analyze,investigateortestinyourresearch?)3.1Analyzethecurrentsituationandclaimmanagement3.2Putforwardmeasuresandsuggestions3.3TakingXcompanyasanexample,optimizetheriskmanagementofautomobileinsurance4.0Researchscopes(theextensionoftheresearchandtheboundaryofthescopeinvolved)4.1Fromtheperspectiveofcustomers,explorehowtoestablishasoundclaimsmanagementsystem4.2Howtoimprovethecompanymanagement4.3Howtoreduceriskmanagement4.4Problemsandstrategies5.0Hypothesis/researchquestions(statusanalysis,possibleinevitability,whatisthenatureoftheproblem)5.1Descriptionofcurrentsituation:accordingtotheanalysisofindustrydata,theexpectedultimatelossratioofnationalcommercialautoinsurancein2019willexceed55%.Therefore,thewindowfunctionofclaimsettlementismoreandmoreobvious,andthequalityofclaimsettlementservicehasbecomethecoreindextomeasuretheservicequalityofinsurancecompanies.Buttherisksandproblemsofautomobileinsuranceareincreasingyearbyyear.5.2Influencingfactors:Automobilemarketsaturation,urbancongestion,environmentalpollution,risingcostsandotherfactorsarethekeyreasonstolimitdomesticautomobileproductionandmarketing.5.3Interpretationoftheproblem:Underthecontinuousinterventionofgovernmentpolicies,thevehicleinsuranceratehaschangedthreetimessince2015,andtheindustrystandardofthesamepriceandqualityhasgraduallyformedinthemarket.Itleadstotheincreasingcompetitionofautomobileinsuranceenterprises.6.0Literaturereview(describethemainthemesoftheliterature)Asfortheresearchontheoperationandclaimsofautomobileinsuranceenterprises,scholarsathomeandabroadmainlystudythefollowingfouraspects.First,theresearchonclaimsserviceofautomobileinsurance.7.0Researchmethodology(whatmethodstoadopttoresearchtheproblem,whethertheneedforspecialequipment,softwareormaterials;Themethodsusedinthestudycanbebrieflyexplainedwiththehelpofaflowchart.7.1Literatureresearchmethod7.2Investigationandresearch7.3Casestudymethod7.4Induction8.0Expectedoutcomes(Theexpectedmessageoftheprojectcanbeusedtoemphasizetheimportanceandoriginalityoftheresearchproposal,andwhyitisworthexploringandpursuing.Highlightthebenefitsofknowledge,positiveexpectedoutcomes,andinnovativeapplications.)8.1Carriesoutacomprehensivediscussiontoclarifytheproblemsandrisksexistingintheprocess8.2Putforwardtargeted,feasibleoptimizationcountermeasuresandsuggestions.9.0MilestonesandTimelinesforcompletion(Aplanfortheresearchdevelopmentandpaperwritingphases,providingascheduleforpresentingobjectives.AGanttchartorcompletionplanhelpstoillustratethevariousstagesandactivitiesofthestudy.TheresearchphaseTimedistributionJobcontentResultsThefirststage2021.07-12Determinetheresearchdirection,collectingtherequireddataGetdataThesecondstage2022.01-12CompletetheresearchproposalanddeterminetheoutlineFinishtheresearchproposalThethirdstage2023.01-12CompletethefirstdraftandmodifyFinishthepaperThefourthstage2024.01-07PrepareforthedefenseFinishthedefence10.0Conclusions(Whatinformationisexpectedtobeconveyedbytheproject?Emphasizetheimportanceandoriginalityoftheresearchproposalwiththehelpoftheresearchproposalandwhyitisworthexploringandpursuing.Highlightthebenefitsofknowledge,positiveexpectedoutcomes,andinnovativeapplications.)10.1Thequalityofclaimservicedeterminesthedegreeofcustomersatisfactionwithinsurancecompanies,whichwillbethekeytothecompetitionofpropertyinsurancecompanies.10.2Howtoprovidecustomerswithmoresatisfactory
温馨提示
- 1. 本站所有资源如无特殊说明,都需要本地电脑安装OFFICE2007和PDF阅读器。图纸软件为CAD,CAXA,PROE,UG,SolidWorks等.压缩文件请下载最新的WinRAR软件解压。
- 2. 本站的文档不包含任何第三方提供的附件图纸等,如果需要附件,请联系上传者。文件的所有权益归上传用户所有。
- 3. 本站RAR压缩包中若带图纸,网页内容里面会有图纸预览,若没有图纸预览就没有图纸。
- 4. 未经权益所有人同意不得将文件中的内容挪作商业或盈利用途。
- 5. 人人文库网仅提供信息存储空间,仅对用户上传内容的表现方式做保护处理,对用户上传分享的文档内容本身不做任何修改或编辑,并不能对任何下载内容负责。
- 6. 下载文件中如有侵权或不适当内容,请与我们联系,我们立即纠正。
- 7. 本站不保证下载资源的准确性、安全性和完整性, 同时也不承担用户因使用这些下载资源对自己和他人造成任何形式的伤害或损失。
最新文档
- 高三班会演讲稿
- 4 公民的基本权利和义务(教学设计)2023-2024学年统编版道德与法治六年级上册
- logo购买合同范本
- 100以内的加法和减法(二)-不退位减(教学设计)-2024-2025学年二年级上册数学人教版
- 食品运送合同范本
- 12急行跳远教学设计8-八年级体育与健康
- Module 3 Unit1 Point to the door(教学设计)2024-2025学年外研版(三起)英语三年级上册
- 研学活动合同范本
- 2024-2025学年九年级上学期牛津译林版英语Unit 5 Reading 教学设计
- 2023初一暑假前教育家长会演讲稿
- 食管早癌的内镜诊断
- 餐饮制度清单
- 医德医风考评内容及量化考评标准
- 人体解剖学题库(含答案)
- 复工复产应急处置方案
- 历史类常识经典考试题100题带答案(能力提升)
- 水利水电工程建设用地设计标准(征求意见稿)
- 《了解纹样》参考课件
- 小学信息技术-第8册全册-6年级下-电子工业出版社
- 健康生活的五大要素
- JTG∕T F30-2014 公路水泥混凝土路面施工技术细则
评论
0/150
提交评论