Research On Promoting Profitability Of Automobile Insurance Of Z Insurance Co.,LTD.auto Insurance Based On Service Profit Chain Theory

In China's property insurance market,auto insurance has always occupied the largest market share,and for most small and medium-sized property insurance companies that operate auto insurance,the proportion of auto insurance original premium income is generally higher than 70%.As auto insurance products come with just-needed attributes,it is foreseeable that in the next long period of time,auto insurance will still be the main force of the property insurance market,especially the small and medium-sized property insurance companies.However,due to the guaranteed nature and high standardization of auto insurance products,the auto insurance products of various property insurance companies are not differentiated.Therefore,in the auto insurance business competition in the property and casualty market,the main focus is on channel warfare and price war.In this competitive environment,large property and casualty companies continue to prove that "the stronger is stronger" by virtue of their brand,capital and channel advantages.In order to survive,small and medium-sized property and casualty insurance companies have to continue to rely on the cost-driven and scale-expanding means of competition in exchange for the development of auto insurance business.It is conceivable that such "development" is the vitality of an overdraft company.Based on the above background,this paper chooses Z Property Insurance Company as the sample data provider and research object,and makes a countermeasure research on how to improve the profitability of the company by improving the customer service satisfaction of Z Property Insurance Company.Starting from the fine enterprise management,this paper objectively summarizes the status quo of internal and external customer satisfaction of Z Property Insurance Company by using NPS(net recommendation value)and Likert scale.On this basis,combined with the current situation of the industry,it analyses the needs of internal and external customers.Finally,it tries to establish a reasonable and efficient assessment mechanism and strengthen the training of key knowledge content.At the same time,we should improve the external customer service experience from the aspects of service process,service equipment,Service Countermeasures and service contacts,so that enterprises can gradually complete the transformation from relying on "market share" for development to improving "customer loyalty" for self-development business model,and truly establish a stable and effective automobile insurance operation.“ Connotative development path.