Research On The Optimization Of Competition Strategy Of Automobile Insurance Business Of C Company Under The Background Of Reform Of The Management System Of Commercial Auto Insurance Clause Rates

Under the background of China's economic society and the new normal,the central government's comprehensive deepening of reform,the promotion of the national governance system and the modernization of governance capabilities,The promulgation of the "New China Ten Articles",the marketization reform of commercial auto insurance rates and the implementation of the "China's second generation solvency supervision system construction plan" and other policies have opened a new era of China's insurance industry development.As China's insurance industry accelerates its integration with the international market,its ability to serve the overall economic and social development of the country will become more prominent.By the end of 2018,China's motor vehicle ownership has exceeded 327 million,and the domestic auto insurance market has developed rapidly,and premium income has increased year by year.The reform of the commercial auto insurance clause rate management system is continuing to expand.At present,the implementation of the commercial auto insurance rate reform since 2015 has been carried out to the third period,which is still in the pilot period and will be fully implemented.The author chose China's auto insurance market leader,C Property Insurance Company,as the research object.Through the research on the experience of domestic and international rate reform,the paper analyzes and summarizes the characteristics and influence of this rate reform,predicts the trend of the market after the fee change,and applies the competition.The strategy and management tools analyze the opportunities and challenges faced by Company C,and propose the optimization plan for C company's auto insurance business competition strategy.This paper is divided into seven chapters.The first part is the introduction.Firstly,it expounds the background of the topic,gives the purpose and significance of the research,introduces the development and main content of relevant theories at home and abroad,clarifies the research methods,research contents and framework of this paper,and points out the innovation of this paper.The second part is an overview of C company's auto insurance business and the development of auto insurance in major developed countries.Combining the characteristics of China's auto insurance market and comparing the successful experience of foreign market reforms,this paper analyzes the status quo of China's motor vehicle development and the reform of rates.The third part is a comprehensive analysis of the external environment faced by C company's auto insurance business competition strategy optimization,mainly using PEST and five-force model.The fourth part comprehensively analyzes the development status and existing problems of C company auto insurance business,and analyzes C in depth.There are difficulties and reasons in the development of the company;the fifth part is the design of the competitive strategy optimization plan for the C company's auto insurance business,and establishes the competitive strategy optimization combination that conforms to the C company's own characteristics;the sixth part proposes that the C company needs to implement the auto insurance business competition strategy optimization plan.The safeguard measures;the seventh part is the summary and Wang concluded,pointing out shortcomings and prospects.Through research and analysis,the author believes that Company C should coexist in the opportunities and challenges of rates.It should actively adjust the business model,strengthen the construction of auto insurance direct sales capacity,strengthen channel management,enhance channel cooperation and control capabilities,and accelerate the optimization of mobile e-commerce platform.In addition,it enhances the company's auto insurance decentralized business acquisition capability;optimizes the auto insurance business structure,uses mobile internet technology to reduce claims input,and thus better achieve total cost leadership;implements intermediary channel reengineering projects and vigorously develops precision marketing projects;implements “insurance + services” Mode,carry out differentiated customer service;At the same time,with its own and external two-wheel drive,actively promote the company's digital operation transformation and upgrade,focus on the development of big data model and full-process solution from the auto insurance exhibition industry to the claims business cycle,and upgrade the Internet insurance Strategy to create an Internet ecosystem for private car owners.Competition is an ever-changing game process.Based on the current situation,this paper analyzes and proposes the optimization of C company's auto insurance business competition strategy under the background of rate reform.However,this round of rate reform is still in a step-by-step implementation stage,and the competitive environment is keep changing.Therefore,it is necessary to continuously improve research.Through the research of this paper,I hope that it can have certain reference value for the optimization of the competitive strategy of the auto insurance business in the C and even the entire property insurance industry in the context of rates,and it can be beneficial to the development of China's insurance industry.