August 11, Shanghai introduced a new version of "Vehicle Insurance self-discipline" and charges back to the "15% +4%," the unification of the starting line. Although the small and medium-sized Chanxiangongsi lost through high fees to obtain the advantages of auto insurance business, but business did not decline significantly. According to informed sources, in equal competition against the background of the charges, Chanxiangongsi With the selection of room for business, and the volume of business to small and medium-sized Chanxiangongsi "forced" to accept those high-risk "low-quality" business, the accumulation of High-risk will be the pursuit of the hidden benefits.
Volume of business did not fall by
Before, small and medium-sized Chanxiangongsi as a result of brand outlets and can not compete with large companies, and they will only make an issue of auto insurance prices through an intermediary to pay fees in order to pull over auto insurance business size, which is in fact a disguised form of price competition. Today, the fee has been severely restricted in the industry are generally small and medium-sized Chanxiangongsi that will face the insurance dilemma of scarce resources.
But in fact, the small and medium-sized Chanxiangongsi auto insurance business has been no decline: the Shanghai Insurance Association statistics show that in September, in addition to auto insurance balance ring than 61% decline, Cheonan, Volkswagen, Yong-cheng of the auto insurance business are Central than the growth rate of more than 20% of the earth, China and Thailand grew 50%.
The earth, balance, the Bohai Sea, and other telephone companies are still the exclusive auto insurance this way, for most small and medium-sized Chanxiangongsi, lost in the effective operation of the channel at the same time, 8,9 still achieve the two-month incremental business, quite People thought.
The risk of small and medium-sized companies into the business
Shou State Insurance Shanghai Branch said that each year Chuxian no claims of the customer is the auto insurance business profits, the company will provide such trial, took the car, vehicle maintenance, such as additional services in order to facilitate its renewal. On the other hand, a higher payment Chuxian customers, who have cars on the analysis of specific vehicles to use models, the corresponding prices of spare parts, and the profit out of consideration for the payment rate of more than 100% of the vehicles, in general In its premium discount will be let go, or when renewal with an additional risk.
In the competitive auto insurance market, the discounts go up strong or additional insurance coverage in fact raise the threshold. Reporters from the People's Insurance, Pacific Insurance, and other companies have found that every year as a result of excessive payments, poor quality of the business, "disguised as" non-renewal of vehicles accounted for about 15%. Pacific (601,099, it shares) insurance customer service manager of Shanghai Xu Feng said that ordinary private Sangju the payment rate has reached 95%, and the like, "Ford" and other accessories equipped with workers than conventional models is the ratio of company In the insurance pay more attention when, for once it Chuxian, such vehicles will certainly higher than that of a single payment of similar incidents in other models.
In comparison, the major source of business Chanxiangongsi wide pursuit of profits on the business in strict examination, especially in the reunification of the charges, behind small and medium-sized companies over fees under the pressure of competition no longer exist, the more carefully control the rate of compensation to seek Vehicle Insurance Profits. On the other hand, small and medium-sized companies, under pressure results often do not have that confidence, especially in the loss of our competitive fees, and vehicle insurance because of the size of the pressure, only large companies will be "left out" get into the business risk of their own. It is reported that a small business in order to complete Chanxiangongsi indicators, and even some vehicles, the site also by ordinary car insurance rates. The growth figures dressed, in fact, there are a greater risk of payment.
Payment or pressure into a vicious circle
In fact, in terms of auto insurance has been set up on different models and uses the breakdown, and different in the degree of risk premiums and deductibles make the distinction. In 2007 such as the implementation of the new version of the commercial motor vehicle insurance B, section lists more than 100 private cars, the risk factor from 0.8 to 1.3 range; A, C also will be two 6 following the delineation of passenger cars and 15 20 models, different species have different risk factors. If the Jetta cars, cars, spare parts are cheaper, the car itself is very safe and stable performance, the risk factor of 0.85. The number of imported vehicles, although the car performance is very good, but expensive spare parts, maintenance cost is very high, this model of the relative risk factor is higher. The small and medium-sized companies in order to get into this type of business, there are often discounts, and other concessions, it is difficult in strict accordance with the terms of pricing, making it difficult to close and risk match.
Shanghai University of Finance and Economics Department of Insurance, said Zhong Ming, as the Bank's business strategy in the field of insurance, auto insurance is also to "spread out" and then "make money" business ideas in this strategy, will not hesitate to small and medium-sized Chanxiangongsi The cost to expand the size of the business to the so-called "cash-flow underwriting" and has sufficient cash flow, you can make money by investing in, and use the profits to invest up an underwriting loss.
But this competition means there must be two premises: have adequate solvency and good external environment for investment. However, the current status quo is that a number of small and medium-sized Chanxiangongsi solvency of the serious shortage of day-to-day running of the business has been hard-pressed to live. The capital market last year after the fever for a while now show the downturn, but expect a higher return on investment Shuizhonglaoyue like.
This shows that the fee adjustment, the small and medium-sized Chanxiangongsi of the single-vehicle insurance incremental, less happy and has to be worried.
No comments:
Post a Comment