“新车共保中心”模式探析

"新车共保中心"是近年来在汽车保险领域出现的颇有争议的机构,主要原因是一方面它对于遏制车险领域的无序竞争,提高服务质量,疏通保险公司与车主之间的沟通渠道有着其他方式无法替代的作用。另一方面,由于它的运作模式和组织形态方面存在着许多问题,这种被指作靠"行业垄断"立足的"新车共保中心"的做法,一直是汽车销售商抨击的焦点,其在社会认同方面存在一系列障碍,使它难以保持持久的生命力。因此。解决好"新车共保中心"的社会认同问题,协调好与包括汽车销售行业在内的车险利益链内的相关实体的关系,是解决"新车共保中心"生存问题的关键。

The ＂new car coinsurance center＂ is a recent controversial organization in the car insurance field. On the one hand, it has a non-replaceable role in curbing disorderly car insurance competition, improving service quality, facilitating communications between insurers and car owners and other aspects. On the other hand, it is criticized as being monopolistic and battered by car venders because of existing problems in its operational model and organizational structure. This makes it difficult for it to gain high social recognition and a long-lasting vitality. The key to solve the survival of ＂new car coinsurance center＂ is to enhance the immunity of the whole car insurance industry, properly solve the issue of social recognition, and coordinate the value chain of car insurance business including car vendors.