Competition Strategy Of Property Insurance In Regional Property Insurance Companies

China's insurance market has gradually developed a wave of enthusiasm,and the relevant policies of the insurance market have also undergone earth-shaking changes.Foreign property insurance companies are competing to squeeze into the Chinese insurance market with great development potential.In the 21 st century China,the insurance industry has ushered in unprecedented opportunities for development,but at the same time it faces severe challenges from a fierce competitive environment.In order to actively respond to the fierce competitive environment of the insurance market,insurance companies need to change the traditional business concept in a timely manner,actively explore and develop a new market competition model,and obtain a comparative competitive advantage,so as to seize the customer resources.Property insurance companies need to cater to changing market demands.Firstly,the paper introduces the background,theoretical basis and research significance of this paper.Secondly,it analyzes the current situation and existing problems of property insurance in China's property insurance companies in recent years.Through the use of Porter's five-force model,STP,SWOT and other theoretical analysis The property market environment,business opportunities,threats,advantages and disadvantages of property insurance companies in Zhejiang Province,clear target market and market positioning,combined with 4P,4C,4R theoretical optimization portfolio,clear scientific corporate property insurance underwriting process,and ultimately Establish a rate determination model to select the risk target,carry out key underwriting decisions,and provide a theoretical and operational path for the good development of the property insurance industry's property and casualty insurance regional market business.In addition to designing and developing new insurance products,in terms of marketing,property insurance companies should speed up innovative marketing services and improve the quality and skills of marketing teams,and also need to establish a reasonable rate determination model.It is crucial to screen the appropriate underwriting targets and objects to improve the competitiveness of property insurance by controlling risks.Hope to be able to analysis,through the study of this article clear scientific enterprise insurance underwriting process,eventually establish a rate set model for risk target selection,key underwriting decision-making,regional market for property insurance company business good offer theory and operation path of development.Help zhejiang property changes in the development of enterprises general insurance business management thinking,and enhance market competitiveness has reference value.