一、产险市场客户细分的迫切性１．新的市场竞争形势要求产险公司对客户进行细分。在中国保监会成立前，退费和高代理手续费是市场上各家产险公司争揽业务的主要手段。退费和高手续费的存在扰乱了市场的正常秩序，最终也使产险公司自身的利益受到侵蚀。中国保监会成立后，重申? First, the urgency of customer segmentation in property insurance market 1. The new market competition requires property and casualty companies to segment customers. Before the establishment of the CIRC, the refund fees and high agency fees were the main means by which various property and casualty insurance companies competed for businesses in the market. The existence of refunds and premiums disturbs the normal order of the market and eventually erodes the interests of property and casualty insurance companies. After the establishment of CIRC, reiterated?