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车险改革:中小险企竞争有压力 汽修暴利难维系

2016年8月8日来源:人民网

欢乐生肖JINGGUOYINIANDUODESHIDIANHOU,RIQIANWOGUOSHANGYECHEXIANGAIGESHIDIANZHENGSHITUIXIANGQUANGUO。CHEXIANFEILVSHICHANGHUAGAIGEZHIHOU,BAOXIANGONGSIKEZIYOUDIAOZHENGQUDAOXISHUHEZIZHUHEBAOXISHU。JIANGJIACHENGWEIGEBAOXIANGONGSIGONGKAIDEJINGZHENGSHOUDUAN。ZAIXUDUODIFANG,BAOXIANGONGSIZAIBAOFEIJIANGJIADAQIZHEDEJICHUSHANG,HAIYAOZHIFUGAOESHOUXUFEIJIXIAOSHOUZHONGJIE。ZHEIZHONGQINGKUANGXIA,DADEBAOXIANGONGSIPINGJIEJIGOUWANGDIAN、PINPAI、FUWUNENGLIHECHENGBENTANBODEYOUSHI,ZAIQIANGZHANSHICHANGFENEZHONGBAWOZHUDONG,BUFENZHONGXIAOGONGSIDERIZIZEJIANNANQILAI。RANER,SHOUGAIGEYINGXIANGZUIDADEHAISHIQIXIUHEQICHEZHIZAOXINGYE。

CHEXIANGAIGEDUIBAOXIANHEQIXIU、QICHEZHIZAOXINGYEDAILAIZENYANGDEYINGXIANG?ZUIZHONGYOURUHEYINGXIANGCHEZHULIYINI?JINRIJIZHEJINXINGLECAIFANGDIAOCHA。

改革暴露中小保险公司经营“软肋”,粗放式发展将死路一条

JUTONGJI,2015NIANSHANGSHIXIANQIRENBAO、PINGAN、TAIBAO“LAOSANJIA”CAIXIANGONGSIYINGLIJIAOGAO,SHICHANGFENEJIXUKUODA。FEISHANGSHIXIANQIJINGYINGCHEXIANYEWUDEGONGSIYOU48JIA,QIZHONG44JIACHEXIANYEWUCHUXIANBUTONGCHENGDUKUISUN。QIZHONG,ANCHENGCAIXIANCHEXIANJINGYINGKUISUN3.05YIYUAN,KUISUNETONGBIZENGZHANG78%。FUBANGCAIXIANZAINIANBAOZHONGPILU,SHOUSHICHANGJINGZHENGJIAJUYINGXIANG,DANGNIANKUISUN1.2YIYUAN。2015NIAN,LIANGJIAWAIZIXIANQITUICHUCHEXIANSHICHANG。

欢乐生肖MUQIAN,CHEXIANBAOFEIZAIGUONEICAIXIANGONGSIZHONGDESHOURUZHANBIDA80%SHENZHIGENGGAO。MIANDUIGAIGEHOUSHOUNIANCHEXIANJINGYINGSHUJUDEXINBIANHUA,XINGYEZHONGYOUSHENGYINZHIYI:CHEXIANGAIGEHUIBUHUI“XIAOMIE”YIPIZHONGXIAOGONGSI?HUIBUHUIYINGXIANGSHICHANGHUOLI?

“GAIGEHOUSHICHANGGEJUZONGTISHIWENDINGDE,SUIZHEGAIGEDETUIJIN,JINGYINGSHUJUHUIYOUBIANHUA。”ZHONGGUOBAOJIANHUICHANXIANBUZHURENLIUFENGBIAOSHI,JINNIANGANGGANGCHULUDESHANGBANNIANSHUJUXIANSHI,QIAN3JIAXIANQISHICHANGFENEYITONGBIXIAJIANG0.02GEBAIFENDIAN,QIAN8JIASHANGSHENG0.14GEBAIFENDIAN,QIAN10JIAXIAJIANG0.13GEBAIFENDIAN,YOUSHENGYOUJIANG。

LIUFENGRENWEI,ZHONGXIAOGONGSIJINGYINGKUNNANBINGFEIGAIGEZHIGUO。“KUNNANSHIZHONGCUNZAI,YUANYINYISHIPINPAI、GUANLI、SHUJU、WANGDIAN、FUWU、RENCAIDENGGEFANGMIANDOUBUJUBEIHEDAGONGSIJINGZHENGDESHILI;ERSHIJINGYINGLINIANCUNZAIPIANCHA,ZHUIQIUDAERQUAN,QUEFAQUANTOUCHANPIN;SANSHIGUDONGSHILIYOUXIAN、GONGSIZHILICUNZAIQUEXIAN,GAIZENGZIDESHIHOUZENGBULEZI,GUDONGHUIDOUKAIBULE,YOUDEGONGSISANNIANWUHUANZONGJINGLI。ZHEICIGAIGESHIBAWENTI‘TIAO’CHULAI,TIXINGZHONGXIAOGONGSIYAO‘XIANLIANJINGANGZUAN,ZAILANCIQIHUO’。”

“GAIGEHOU,CUFANGSHIFAZHANYISHISILUYITIAO,DANSHISHICHANGDAIFAJUEDE‘JINKUANG’RENGRANHENDUO。”HUANONGCAIXIANNIRENZONGJINGLIZHANGZONGTAORENWEI,ZHONGXIAOGONGSIRUGUOFAHUIZHANLVEQINGXI、KUAISULINGHUO、XIETONGXINGGAODEYOUSHI,ZHUANZHUYUHEXINNENGLIPEIYANG,WANQUANKEYICHENGWEIXIFENSHICHANGZHONGDELINGXIANZHE。

JULEJIE,ZUOWEICICIGAIGEDEJICHUPEITAO,ZHONGGUOBAOJIANHUIJINNIANLAISHOUJIZHENGLILE6YIDUOTIAOXINGYELISHISHUJUJINXINGDUOLUNCESUAN,JIANLILEBAOHAN16WANGECHEXINGDEJIDONGCHECHEXINGBIAOZHUNSHUJUKU,WEISHANGYECHEXIANJINGXIHUADINGJIADIANDINGLEJISHUJICHU。TIANPINGQICHEBAOXIANGONGSIDONGSHIZHANGHUWUBIAOSHI,GUOQUZHIYOUDAGONGSIYOUDINGJIAMOXING,ZHONGXIAOGONGSIZHINENGMOFANG,TONGZHIHUAJINGZHENGZAISUONANMIAN。GAIGEHOUJUEDADUOSHUGONGSIDOUJIANLILEZIJIDEDINGJIAMOXING。“ZHEIWULUNDUICHENGSHUDEHAISHIBUCHENGSHUDEBAOXIANGONGSILAISHUO,DOUSHIGEJINBU,BIAOMINGGAIGEJIFALEGONGSIDECHUANGXINYISHI,CUSHILEZHENGGEXINGYEDEFUWUZHUANXINGSHENGJI。”

车辆零整比过高抬高车险费率,零整比调查揭开汽修业暴利面纱

CHEXIANGAIGEBUJINYINGXIANGBAOXIANSHICHANG,DUIQIXIUSHICHANGNAIZHIQICHEXINGYEYEYOUZHESHENYUANYINGXIANG。XUDUOCHEZHUHUIYOUZHIGUANGANSHOU——QICHELINGBUJIANJIANGJIALE!

欢乐生肖ZHANGQIYILAI,QIXIUYECONGBAOXIANYEZHUANDEBAOLI,ZUIZHONGZHUANHUAWEIJUGAOBUXIADEBAOFEIGOUCHENG,ZENGJIALETOUBAOZHEFUDAN。ZHONGGUOBAOJIANHUIZHUXIXIANGJUNBOCENGZAIYICIXINGYEGAOGUANPEIXUNBANSHANGZHICHU:“JISHIYIYUAN、SHANGBAIYIYUANZIBENDEBAOXIANGONGSIQINGYIBEIJIBAIWANYUANZIBENDE4SDIANBANGJIA,MINGJIANSONG。”

欢乐生肖“MINGJI”,ZHIDESHIYUELAIYUEGAODECHEXIANDAILISHOUXUFEI;“ANSONG”,ZEZHIQIXIULINGBUJIANSHICHANGSHIKONG。

欢乐生肖ZHONGGUOBAOXIANXINGYEXIEHUIYUZHONGGUOQICHEWEIXIUXIEHUI2014NIANFABUDESHOUGELINGZHENGBIBAOGAOXIANSHI,DANGSHIGUONEISHICHANGMEILIANGCHEDEQUANBUPEIJIANFEIYONG,ZHISHAONENGGOUZAIMAILIANGLIANGXINCHE。XISHUZUIGAODESHIBEIJINGBENCHICJIMOUCHEXING,GAODA1273%,YEJIUSHISHUO,GENGHUANZHEIKUANCHEDEQUANBULINGPEIJIANFEIYONGKEYIMAI12LIANGXINCHE。

CIWAI,PIANBAOWENTIYEYUQIXIUXINGYERUYINGSUIXING。“NIDECHEGUACENGLEQUXIU,4SDIANJINIZAIDUOGUALIANGCHUSHENZHIZHIZAOGENGDASUNSHANG,FANZHENGXIUHAOLENIYEKANBUCHULAI,TONGGUOXIAOANDAPEI,XIANGBAOXIANGONGSISUOQUGENGDUOFEIYONG。”ZHONGYANGCAIJINGDAXUEBAOXIANXUEYUANYUANZHANGHAOYANSUZHICHU,BAOXIANGONGSIZAIYUQIXIUXINGYEDEBOYIZHONGSHIZHONGCHUYURUOSHI。

WEICHEXIANGAIGE“DAQIANZHAN”DEQICHELINGZHENGBIDIAOCHA,JIEKAILEQIXIUXINGYEBAOLIDEMIANSHA。MUQIAN,XINGYEXIEHUIFABULINGZHENGBIBAOGAOYICHENGWEIYIXIANGCHANGTAIGONGZUO。JINNIAN4YUEFABUDE《QICHELINGZHENGBI100ZHISHU》,SUOSHEJICHEXINGYIDA100KUAN。SHOUGEBAOGAOFABUYILAI,GECHEXINGDUILINGBUJIANDOUJINXINGLEBUTONGCHENGDUDEJIANGJIA。“JIANGJIADELINGBUJIANZHONG,YOUDEZHIJIANGGAOZHIDIPINPEIJIAN,BIRUFADONGJI。FADONGJISUIRANZHIQIAN,DANSHISUNHUIDEGAILVHENDI,WEIXIUHUANJIANDEKENENGXINGBUDA,ZHEISHI‘JIAJIANGJIA’。YOUDESHIDIZHIGAOPINPEIJIAN,BIRUCHEDENG、BAOXIANGANG,ZHEISHIZHENJIANGJIA。WEILAIZHEIXIESHUJU,JIANGBUJINTIXIANZAIBAOXIANGONGSIDECHEXIANFEILVLIDINGZHONG,HAIHUIZHIDAOXIAOFEIZHEZAIGOUCHESHIKAOLIANGQICHEANQUANXINGHEWEIXIUYANGHUCHENGBEN。CHELIANGLINGZHENGBIYUEGAODE,CHEXIANFEILVHUIYUEGAO,ZUIZHONGCHEXIANJIAGEYEJIUYUEGAO。CHEXIANJIAGEGUOGAODECHE,XIAOLIANGJIUHUISHOUDAOYINGXIANG,CONGERKEYIDAOBIYOUGUANCHANGSHANGJIANGDIGUOGAODEBAOYANGWEIXIUJIAGE。”ZHONGGUOBAOXIANXINGYEXIEHUIYOUGUANFUZERENBIAOSHI。

一大批快修连锁企业将迅速兴起,汽车维修价格有望降低

欢乐生肖“GUOWAISHIJIANBIAOMING,FEILVSHICHANGHUAGAIGEHUICUSHIBAOXIANYESHENDUJIERUQIXIUXINGYEHEQICHEZHIZAOYE,TONGGUOGONGXIANGFENGXIANSHUJU,CUSHIHOUZHETIGAOANQUANXISHU。”ZHONGGUOQICHEGONGCHENGYANJIUYUANGUFENYOUXIANGONGSIFUZONGJINGLIWANXINMINGSHUO,MEIGUOGONGLUANQUANBAOXIANXIEHUI、HANGUOKIDIDENGDOUJIEHEQICHEPENGZHUANGSHIYANSHUJULAIZHIDAOXINGCHEXIANDINGJIA。“MUQIANZHONGGUOQIYANYIJINGGOUZHILEDUOXINGHAOCHELIANG,ZHUNBEITONGGUOSHIYANSHOUJIGAO、DISUPENGZHUANGSHUJU,WEIXINGYEDINGJIATIGONGZHICHI。”

BANSUICHEXIANGAIGE,YIQICHEZHIZAOQIYEHEHULIANWANGPINGTAIWEIYITUO,YIDAPIKUAIXIULIANSUOQIYEXUNSUCHENGZHANGQILAI。YENEIRENSHIZHICHU,SHISHIFEIGAISHIDIANZHIHOU,HENDUOCHEZHUGENGQINGLAITIGONGBIANJIEFUWUDEPINPAILIANSUOKUAIXIUDIAN。BAOXIANGONGSIWEIZHENGQUKEHU,JIANGYOUKENENGJIANSHAOYU4SDIANDEHEZUO,ZENGJIAYUPINPAIKUAIXIULIANSUODIANDEHEZUO。4SDIANPOYUJINGZHENGYALIYEZUOCHU“RANGBU”,LIRUBUFEN4SDIANYIJINGJIANGJIAOCHESHIJIANCONGZHIQIANDE2—3TIANSUODUANDAO4XIAOSHI,BINGYIGENGDUOFUZENGFUWUWANLIUKEHU。

HAOYANSURENWEI,WEILAIZAIZHENGCESHEJISHANG,HAIKEKAOLVYUNXUBAOXIANGONGSICANGUHUOZHEKAISHEQIXIUGONGSI,JIAQIANGDUIHOUZHEDEFENGXIANKONGZHI。CIWAI,ZHENDUIQIXIUXINGYEDEPIANBAOWENTI,TAJIANYIZAIFEILVFUDONGZHONGJIARUZONGHEJISUANSHIGUCISHUYUPEICHANGZONGEDECHENGFAXINGTIAOKUAN,CUSHICHEZHUJIANDULIPEILIUCHENG,GUANLIHAOLIPEIDANJU,BUJIQIXIUDIANPIANBAOYIKECHENGZHIJI。(JIZHE QUZHEHAN)


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