商车费改背景下我国互联网车险发展研究

2016年7月正式实施的商车费改对我国车险市场产生巨大影响。受互联网车险定价模式粗放、过度依赖渠道价格优势、客户黏度低和服务涉及领域窄等因素影响,2016年互联网车险保费收入较2015年降幅较大。本文通过比较商车费改政策对传统车险以及互联网车险的不同影响,进而从产品设计、销售渠道、保险服务三个维度就互联网车险的应对策略给出政策建议,具有一定的时效性和现实意义。

The formal implementation of premium rate reform on the commercial vehicle insurance in July 2016 has had a huge impact on China＇s auto insurance market. Affected by the extensive pricing model of internet auto insurance, over-reliance on channel price advantage, low customer viscosity, and narrow service coverage, the premium income of internet auto insurance premiums in 2016 decreased more than that of 2015. By comparing the different impacts of commercial vehicles premium rate reform policy on traditional auto insurance and Internet auto insurance, the author proposes some policy recommendations on the response strategies of internet auto insurance from the three dimensions of product design, sales channels, and insurance services, which are of certain timeliness and practical significance.