| A insurance company is a property insurance company,insurance business accounted for about 75%of the premium income of the company,in the auto insurance products,has been using a unified industry issued by the commercial terms,the company in the auto insurance business has been dominated by their own family car,high investment cost,low payment business structure,maintain insurance premium scale rapid growth also get a certain profit.By 2015,the CIRC will expand the property insurance ratemaking autonomy and car insurance premium rate market reform gradually on the establishment of industry demonstration terms,building industry benchmark pure risk premium.Auto insurance premium rate market reform will bring great change on the insurance premium prices determination and great influence on auto insurance business.This study from the perspective of property insurance companies makes use of financial analysis method and the survey analysis from the MBA courses.Under the background of 2015 auto insurance premium rate market gradually advance of the pilot,the hypothesis of the Guangdong region to push market rates for A insurance company,suggestions are put forward for the company to deal with.The company prepared in advance in order to deal with auto insurance premium rate market reform is of practical significance.First,I sort out the main points of the market reform of auto insurance rates,analysis of the current operating situation of A insurance company,the main aspects of the impact of the Guangdong area on the implementation of the rate marketization reform.Secondly,I analyze the operating characteristics of A insurance company insurance business in their own family car,the number of dangerous condition less quality customers,according to the insurance premium rate of change and the company cover structure of their own family car calculated market-oriented reform,family company occupied car insurance premium scale in the worst situation fell 7.3 percent;and then calculate the company's existing family occupied the car insurance premium profit rate of 3.7%,operating profit,after the marketization reform facing by profits turn into losses.For the further study on the premium rate marketability of companies face the risk factors,through the single factor analysis to determine profit impact of risk factors,and multi factor analysis is performed on the first three risk factors,that when the single premium dropped to 8%,as long as the amount of signing up to a 5 percent increase in and dimension to the compensation cost does not rise,can still maintain a margin of safety,the company from a profit turn for the risk of loss can avoid.Therefore,from the perspective of financial indicators affecting the company's profitability,the size of the premium rate reform,from the business point of view,the deeper impact on the company's marketing strategy.Then through the investigation and analysis method,statistics and analysis of consumer choice factors of insurance company,the satisfaction of insurance products and the degree of response to the reform of auto insurance rates,combined with auto insurance company SWOT analysis,further study on effects of tariff reform bring to the company marketing strategy,including product and price,customer selection,sales channel and service capabilities have been affected.Finally,from the company's market strategy,I propose four aspects of the products and price,customer selection,sales channels and service capabilities including.In this paper,on market rates for A insurance company business indicators,market strategy research,and puts forward some suggestions on the company's market strategy,ready for the company's future in the face of car insurance premium rate market reform. |
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