车险改革后的情况 (一)市场结构稳中有变。一是经营主体迅速增加,由2002年的4家(当年新设立2家)省级产险公司增加至2003年的6家,代理公司由7家增至33家,经纪公司和公估公司从无到有,二是市场份额趋于分散,市场占有率略有增长,人保下降34个百分点,(见表1)各公司机关、事业单位公务车等优质客户资源成为争夺焦点。三是市场整体呈现出 The situation after auto insurance reform (a) The market structure has changed steadily. First, the number of operating entities increased rapidly from 4 (2 in the same year) provincial-level property and casualty insurance companies in 2002 to 6 in 2003. The number of agencies increased from 7 to 33, and brokerage and public rating companies grew from Second, the market share tends to be scattered, with a slight increase in market share. The PICC keeps decreasing by 34% (Table 1). High-quality customer resources such as official vehicles and public utility vehicles of various companies have become the focus of contention. Third, the market as a whole showed