论文部分内容阅读
随着中国交强险市场对外资保险公司的开放,外资保险公司在中国的业务经营范围逐步扩大,这对中国车险的经营无疑将产生重大的影响。文章结合外资保险公司在中国保险市场中的发展现状,指出中国交强险市场对外开放后,外资保险公司对中国车险市场的短期冲击力较小,但从长期来看,外资的进入对整个车险市场的格局影响深远而重大。在此基础上,文章建议国内财产保险公司的车险业务应首先从车险销售环节入手,扩大销售渠道,减轻销售成本;其次以车险理赔为主导,加强管理控制;最后加大与保险中介机构的合作力度,以期迅速增强国内财险公司的竞争力,为应对外资保险公司的挑战打下牢固基础。
With the opening up of China’s insurance market to foreign-funded insurance companies, the scope of business operation of foreign insurance companies in China has gradually expanded, which undoubtedly will have a significant impact on the operation of China’s auto insurance. This paper, combined with the status quo of foreign insurance companies in the development of insurance market in China, points out that the short-term impact of foreign insurance companies on the auto insurance market in China is small after China’s entry of the strong insurance market. However, in the long run, foreign investment in the auto insurance market Pattern of far-reaching and significant. On this basis, the article suggests that the auto insurance business of domestic property insurance companies should start with the auto insurance sales, expand the sales channels and reduce the sales cost. Secondly, take the automobile insurance claims as the leading factor to strengthen the management control. Finally, increase the cooperation with the insurance intermediaries With a view to rapidly enhance the competitiveness of domestic property and casualty insurance companies and lay a solid foundation for coping with the challenges of foreign insurance companies.