| Economic benefits of the socialist market economy within the activities of insurance companies direct power, but also fully embodies the social foundation.Seemingly prosperous China in recent years, automobile insurance market, the actual situation is not optimistic. As a major insurance company's "killer" business auto insurance price war intensified. It helps to bring consumers the benefit, but it also seriously affected the profitability of insurance companies, car insurance, the industry is at a loss or at the edge of loss. And other types of insurance property insurance company compare auto insurance underwriting business is characterized by the number of large, distributed object, high frequency of dangerous condition; auto insurance is characterized by the management of human input is required to manage operating costs and vehicle insurance management marks a property and casualty insurance the company's management.Auto insurance loss ratio is directly related to the insurance company can be profitable, is a measure of core competitiveness of the insurance company's key. Auto insurance reform, one of the goals is to improve the level of insurance company management, to improve efficiency. I Based on years of management experience in auto insurance and business management experience to learn that the management of Jilin CPIC's auto insurance, auto insurance business in the state should fully understand the basis of objective assessment, innovation management advantages, free auto insurance business benefits fell by the difficulties which aims to ensure the realization of profit Jilin CPIC essential.Car insurance fine management objective is to maximize efficiency and effectiveness. CPICof Jilin Province branch for business auto insurance issues, the author puts forward a strategy to enhance capacity of Automobile Insurance and earning profits.China's economic situation from the current development of the domestic insurance industry, through the insurance business is the background analysis, from the third, fourth and fifth chapter were from the target markets, marketing management and put forward three specific claims management to enhance the Automobile Insurance and earning profits Nengli strategy. Management of the main target market is to the existing auto insurance customer segmentation as "red, yellow, blue" three, differentiated into time management, effective conservation of resources, business in support of the blue cover on the red zone business " or it does not guarantee, or raising the prices. "Of course the company can do this, the absolute need to not only courage.Difference between good and bad insurance companies must be aware of the importance of customers to give preferential rates and the best clients "VIP" VIP-style service; who is often very high loss ratio dangerous condition of the business to take rates go up, bundled insurance sales and design portfolio deductibles and other policy adjustments. Only categories were treated to achieve the optimal allocation of productive forces and achieve the level of vehicle insurance business improved significantly.Marketing management, mainly for construction of Jilin TCPIC channels to analyze the current lack of. Expand marketing channels, can effectively resolve the Jilin CPIC auto insurance premiums smaller scale. Combined with industry information sharing vehicle insurance claims, coupled with the "red, yellow and blue" target market to implement the program, Jilin CPIC operation of a telephone sales business can greatly improve efficiency, saving labor costs and operating costs, providing customers with convenient and efficient direct service , reduce operating costs. Additional renewal at the same time SMS alerts, tips and other characteristics illegal services to enhance Pacific Insurance Company's brand image, improve the company reputation.Cross-selling as key areas to expand their business scale, can make full use of life insurance company's vast marketing team through a set of management mechanisms, and life insurance companies to pass on, to expand the scale of business, management costs, but also for Jiang Lai auto insurance Qudao of Management Trends in preparation. Through the Management of Jilin CPIC claims analysis, impact auto insurance loss ratio is high variety of factors, which can artificially control the one hand, reduce the cost of claims management, the other is to reduce the false site, such as false Pei An moral hazard effect on the loss ratio. By strengthening the assessment companies on behalf of the survey on behalf of the management set loss to ensure that the introduction of the "cheaper" models realize both cost and improve service quality, ensure that although the introduction of the assessment companies reduce administrative costs, but it must not affect customers service quality, management intentions in subtle to provide more professional service to improve customer satisfaction.With the development of China's insurance market, insurance fraud phenomenon of compensation, increased insurance risks. To prevent the occurrence of cases of fraud compensation, insurance companies must strengthen the mechanism of insurance claims, improve the management aspects of the claims, the passive "post control" into active "pre-control." Auto insurance fraud means a fool lost the main owners of perpetrating a fraud, shoddy; something out of nothing, deliberately creating the accident; an accident, many claims; provide false proof. Auto insurance fraud compensation has obvious similarities, such as most accidents are not the first site; fraud compensation before and after statements were inconsistent; fraud compensation insurance claims were the main points of proficiency.Pay the insurance fraud prevention, insurance companies accept the report should be documented in the escape from danger, and to strengthen the ties and communication between companies, the first comprehensive field survey to improve the rate of compensation and transparent separation of work to strengthen and improve the quality of personnel. In this paper, the "fake" anti-cheat special performance incentive compensation programs, essentially all the claims staff to mobilize the enthusiasm, the implementation of full "match fixing" both demonstrate the importance of moral hazard preparedness level, also showed their layer implement staff performance appraisal, compensation effectively grasp the lower efficiency of the key points, the real lower comprehensive cost auto insurance rates, improve implementation capacity of Automobile Insurance and earning profits. In this article, that "auto insurance ability to enhance the creative edge" research topics, is now an urgent need Jilin CPIC problems. The theme for the analysis and design of specific strategies is worth Jilin CPIC reference and attention. In the target market segments, the "red, yellow and blue" management model consistent with the current business environment, Jilin CPIC, the company is underwriting the implementation of the provisions of the perfect complement to avoid moral hazard is also an effective early warning program. This program and claims management strategy of "match fixing" awards program with the promotion, will become profitable auto insurance business Jilin CPIC to achieve a favorable security. |
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