Insurance industry and the closure of auto insurance in Shanghai to knock the alarm, "see a single charge"

"I have paid their dues and holding office" auto insurance system next month or will be implemented in Shanghai.

Zhejiang Province in the insurance industry was launched in October, "have paid their dues one hand and policy" auto insurance "fees see a single" system, or the insurance industry in Shanghai will follow up. Post reporter was informed yesterday, the Shanghai Association is brewing in the Nov. 1 official launch of "see a single fee" system to prevent insurance risks remain.

"See a single fee" system can be fixed from time to time.

Last month, a Shanghai insurance industry and agencies on the verge of closing down of the most widely circulated. Direct consequence of its 15 business relations Chanxiangongsi about tens of millions of accounts receivable premium card in the auto insurance "hypermarkets" in the hands. After the outbreak of the capital chain issues, the collection went to the stream of insurance companies.

It is reported that in the insurance industry and intermediaries or agents to the insured by an insurance company in charge out insurance policies, insurance companies and agents are usually between the closing period of 20-30 days, that is, out in the insurance policy, insurance Fee will be insurance agents and industry or in the hands of "stagnation" of about a month.

It has been revealed that the cost of insurance for the charge of "delinquent", Jian Guanceng have to consider co-ordination, is expected to start on November 1, Shanghai's insurance market, "see a single charge" is expected to formally present the insurance companies have been doing The relevant preparatory work.

The obvious fact is that the cut-throat competition has made domestic auto insurance industry Jukui face of adversity.

At present, the cost of auto insurance by payment, the cost of management and tax structure, the Shanghai auto insurance expire at the rate of payment more than 70%, administrative costs (including labor costs and survey costs, etc.) in about 15%, about taxes 6.5%. At the same time, commercial vehicle insurance per vehicle or about the proportion of auto insurance premium of 2 / 3, and the strong cross insurance auto insurance premium income accounted for 1 / 3, in accordance with the "15 +4" agent fees Simple terms, each car's auto insurance agent fee was about 12%. Even if the 12% of the fee calculation of insurance agents, insurance companies domestic auto insurance losses have reached more than 8 percent.

"At present, the international community, the general auto insurance is a draw or a slight loss, other property and the return on investment profits, loss of the normal vehicle insurance can not exceed 3%." Country life Insurance, said Yin Ming, general manager at Shanghai, Vehicle Insurance domestic product report, the actuarial report, commercial vehicle insurance agent a commission of 15% service charge if there is cut-throat competition, coupled with claims Pianbao occur, it will make insurance companies appear difficult to survive.