保险公司基于消费者偏好的定价策略分析

Analysis on the Pricing Strategy of Insurance Companies based on the Consumers Preference

当今保险市场还是几家大公司占据了绝大部分市场份额的情况,那么大公司、小公司如何定价才能稳打稳扎?考虑消费者偏好,是不是还能光靠打价格战赢取市场?通过将物流领域里面基于消费者偏好的定价模型来拟合保险公司定价策略,实现利润最大化来取得纳什均衡,揭示出一个现象:小公司不能靠打价格战赢取消费者,而是应该依靠产品创新、服务提升,培养忠诚度高的消费者群体,步步为营,逐渐拓宽自己的市场。

Today the majority of the insurance market is still occupied by several large companies. So how can the large companies and small ones develop steadily by pricing？ Considering consumers’ preference, is it still possible to win the market by price war alone？ By adjusting the pricing model based on consumer preference in logistics to fit the pricing strategy of insurance companies to maximize profits and achieve Nash equilibrium, it is revealed that small companies can not attract the consumers by the price war. They should rely on product innovation, service promotion, and cultivate high loyalty of consumer groups to expand their own market step by step.