In August, Guangzhou is the hottest time. The sale of insurance, insurance companies and agents auto dealership in combat.

One side is the people's insurance, Pingan and CPIC three big insurance company, one side is the GAC, GM and Dongfeng seven brand car. A request for improving agency insurance threshold, one party is also to stop selling insurance "color".

To September 2nd, the two camps in former days to industry partners into melee, for a month.

　　The insurance company VS car

Back in time to a month ago. At the end of 7, the main car dealers in Guangzhou city have received picc,The Pacific Ocean(15.73,0.93,6.28%)Notify the insurance, Ping An insurance and three insurance companies, from August 2nd onwards danger vehicles must check the site or police certificates, the owner must first pay the repair costs and so on, and modify the background data on the dealer, man hour cost of 4S shop half off, claims components play 9.5-9.8 fold.

This rule is a public uproar, the garage.

The core of the insurance company requires is canceled for many years car "double generation" (generation, generation of claim report), "free" (i.e. non accident, traffic accident scene survey free proof).

Guangzhou a Chinese car brand dealers said, reason for customers to purchase insurance is very important in the 4S store is car dealers to provide "one-stop" services, including insurance, repair and claim and so on, so many years has become an industry rules. If the insurance company really improve requirements, car sales, car repair business in particular will directly impact. Previously, companies with more than three times a year "double free" claims, now only once at the time of the sale, dealers commitment to customers may not be able to deliver.

In view, the insurance company which belongs to the "hostile" behavior, in the interests of business in August 15th and damaged worries, Guangzhou area, mainly the garage closed door meeting, to meet the three insurance companies combined to improve insurance threshold.

Allegedly, including the GAC, GAC Honda Toyota, FAW, Dongfeng Nissan, Beijing Hyundai Toyota, Shanghai GM and other brand car manufacturers all attended. And after consultation, from August 17th onwards, stores will begin to sell the three major insurance companies insurance product distribution of Guangzhou area of the brand, as the insurance company response.

Guangzhou in the current market, the three companies market share at around 70%, in the first round of the game, Ping An insurance is pushed to the front of the stage, then, people and the Gestapo sales also resisted to varying degrees of "".

Guangdong University of Finance professor Luo Xiangming said, the friction property insurance companies and dealers actual has lasted ten years, the insurance amount is large but the unique phenomenon does not make money has also been accompanied by. Regulators and insurers are hoping to change this situation, however, due to various factors can not take place.

In September 2nd, Ping An insurance Guangdong branch relevant person helpless and the regret that the car move. The sources said the incident is the actual communication problem, believe the garage before habitual operation process, can not adapt to the new rules.

However, the source stressed, nearly two days of vehicle attitude has changed, the insurance agency business has gradually returned to normal.

The PICC Guangzhou branch of a business manager said, revised the rules on car sales and repair one mode is influential, but no profit situation, insurance is not sustainable in the long term, the insurance company can not be long-term losses to maintain such a big business.

　　Behind the 400000000000 insurance losses

The insurance company and the garage so give tit for tat game, behind only huge benefits.

According to the Ministry of public security information, the first half of 2009, China private motor vehicles nearly 136000000 vehicles, motor vehicles accounted for 76.84% of the total. If the average 3000 yuan premium estimates, auto insurance market capacity when at about 400000000000.

However, the majority of property insurance company insurance business has been in a low profit or loss of the embarrassing situation.

Public data shows, since 2006, the insurance market has been three consecutive industry underwriting losses, in the past 2008, underwriting loss is as high as 12500000000 yuan, the comprehensive cost rate up to 106.7%. The Gestapo as an example, the 6 at the end of the insurance premium income of 13400000000, an increase of 25%, and claims 6900000000, growth of 27%. 1

Luo to Mingjiao granted said, the insurance market, insurance is a piece of the largest. Early rule is, the insurance company only on a certain scale can develop branches, so insurance companies become a hotly contested spot. So, understand customer resources companies naturally become the insurance company's "guests", in a strong position in the negotiation.

Therefore, the loss of discourse power in insurance, insurance companies have to claim and many other links to some "privilege".

The PICC said, had to compete for customers, many companies relaxed underwriting requirements, and do some business with high risks, and business development too fast, personnel and investment issues, some rely on distributors.

In the course of time, around the dealers gradually alienated into sales and property insurance company claims terminal. This kind of "for others" approach also brings the moral risk.

Global China Insurance Limited company chairman Wu Dehua said, so many years, cooperation mechanism of property insurance and car is not really win, cause insurance company long-term losses is grey area. Generally speaking, the compensation rate belongs to the normal range in 40%-50%, and present some dealers claim rate up to 120%-130%, far beyond the normal range. In addition, dealers selling cars and car model, easy to produce gray zone.

Therefore, reforming insurance agency business cooperation mode, which lead to insurance company insurance operating costs are high, and lots of the cheat the pianpei event, is the potential demand of the insurance industry.

However, the Insurance Association of Guangdong people also admitted, system of internal management of insurance companies is not perfect, but also caused a loss of vehicle insurance business.

As everyone knows that, to the client, agent claims is one of the dealers selling point.

Guangzhou insurance conduit company responsible person, such as the claim may be 500 block, the garage can meter into 800 pieces, and the other expenses is together, go to the insurance company claims, many insurance companies who also tend to be grey income from.

Facing so hundreds of billions of market can only be peibenzuanyaohe results, the insurance company to change the idea of nature is not difficult to understand. But in view, the original conventional profit channel and pattern will be broken, the insurance company requires no longer follow the "unspoken rule", is certainly "is inadmissible".

　　The reporter blog

　　Rome wasn't built in a day

In September 2nd, Guangdong insurance industry association released information that, in recent years the insurance practice, some insurance industry and cooperative enterprises involved in generation, generation report claims process, blinded by the owners, owners of illegal use and commissioned by the owners, to the insured vehicle as a tool, repeated claim to the insurance company to defraud insurance indemnity, the insurance company suffer operating losses.

At present, in the wide recognition of the data is, in the auto insurance claim, it's about 20%-30% fraudulent.

The Fanhua assessment group chairman Wu Dehua said, the Guangzhou company and insurance company controversy originated from the end of last year, the first quarter of this year to become more and more obvious, while in the two quarter was officially broke.

From the insurance companies, on the one hand, the profit pressure, the insurance company collective by the "scale" to "profit" steering, scale and non profitable insurance reform knife test is preferred. On the other hand, the market regulation and supervision departments "counterfeit" has become the focus of this year.

In September 1st, China China Insurance Regulatory Commission issued the "notice" on the prevention of risk insurance claims process, requirements of the property insurance company attaches great importance to insurance claims of fraud risk and payment risk, perfecting insurance claims in the management system, increase the insurance joint report, survey, nuclear damage, payment and other aspects of risk management and control efforts, to strengthen claims team construction, strict control of insurance claims the "run, run, drip, drain".

In September 1st, as the competent department of the Guangdong Bureau told this reporter that, relevant policy has not changed, regulators hope that all parties continue to negotiate, work together to create a good market environment.

However, the insurance company may press played a gourd dipper.

The Chinese automobile brand dealers think, if too much adjustment in the claims and other related aspects of the insurance company, formalities trival words may also be formed "claims is difficult" problem.

However, Guangdong University of Finance Luo to Mingjiao he said, in a few years ago in Jiangsu and Zhejiang have insurance companies launched similar incidents, the internal insurance company alliance ended with the collapse. He worried that the Guangzhou incident will eventually "die a natural death", all the back.

In any case, insurance as a higher rate of varieties, impact on the insurance market also can not be ignored, the solution and the events in Guangzhou, in China could have a deeper samples demonstration significance.