中小财产保险公司差异化发展路径与服务实践研究

On the Differentiated Development Path and Service Practice of Small andMedium Sized Property Insurance Companies

车险综合改革带来强烈震荡,财产险公司业务规模增速整体放缓,车险与非车险的业务结构占比也逐步趋同,非车险发展后劲较足但竞争也日趋白热化。以往主要依靠车险业务走粗放型发展道路的大多数中小财产保险公司,如何在严峻的外部环境中找到可持续发展的道路,这是广大中小财产保险公司面对的重要课题,同时也是推动财产险行业高质量发展的必然要求。可从内部经营和外部环境两方面,通过聚焦主体个案就如何确立差异化发展方向,有效实施差异化转型、塑造竞争优势方面进行分析,为中小财产保险公司高质量发展提供理论与实践范本参考。

The comprehensive reform of car insurance has brought strong shocks and the overall growth rate of property insurance companies has slowed down.The proportion of business structure between car insurance and non car insurance is gradually converging and the development momentum of non car insurance is relatively strong,but competition is also becoming increasingly fierce.In the past,most small and medium-sized property insurance companies that mainly relied on extensive development of car insurance business,how to find a sustainable development path in the harsh external environment is an important issue faced by the majority of small and medium-sized property insurance companies,and it is also an inevitable requirement to promote high-quality development of the property insurance industry.By focusing on individual cases,we can analyze how to establish a differentiated development direction,effectively implement differentiated transformation,and shape competitive advantages from both internal operations and external environment,providing theoretical and practical reference for the high-quality development of small and medium-sized property insurance companies.