The growth of automobile consumption provides a broad development space for China automobile insurance industry, and China is the largest and most potential automobile insurance market in the world. In the future international auto insurance market competition, China auto insurance industry undoubtedly has the advantage of getting the first month, but compared with developed countries, China auto insurance industry is relatively weak. Whether we can seize the opportunity and make full use of the regional advantages of China's insurance industry to occupy more markets, China's insurance industry is facing severe challenges. Facing the challenge, China's insurance companies should fully understand the problems existing in China's auto insurance industry and the gap with developed countries, make full use of the buffer period of only a few years after China's entry into WTO, actively develop auto insurance products and improve service quality to cope with future competition. With the development of reform and opening up, great changes have taken place in social economy and people's life, motor vehicles have been popularized and developed rapidly, and motor vehicle insurance business has also developed rapidly.

At the beginning of 2006, China Insurance Regulatory Commission put forward the concept of "fast, efficient, honest and standardized" and adopted a series of measures to strengthen the supervision of auto insurance and rectify the market order. Especially after the implementation of compulsory insurance in the second half of the year, supervision has been greatly strengthened, price competition has been curbed, cost has become the main means of competition, and service competition has emerged continuously. At the same time, industry associations in many areas implement industry self-discipline or auto insurance minimum price system, limit the reserve premium price and control the upper limit of handling fee, which has played a positive role in standardizing the behavior of auto insurance market, maintaining the order of auto insurance market and promoting the company to embark on the track of benign operation and rational competition. With the strengthening of supervision and the implementation of industry self-discipline, as well as the introduction of compulsory insurance and industry clauses, the price difference between companies has narrowed, and factors such as brand and service have increased the influence on customers' choice of insurance companies. Companies strengthen brand promotion, strengthen brand image, speed up claims settlement, improve claims settlement services, and attract customers by improving services. At present, there are nine insurance companies in China: PICC, CPIC, Ping An, Huatai, Huaan, Tianan, Volkswagen, Bingbao and Yongan. In terms of market share, China's auto insurance is occupied by PICC, CPIC and Ping An. In 2006, China's motor vehicle insurance premium income 1 10787 billion yuan, up 29. 1% year-on-year, accounting for 70 1% of the business of property insurance companies, ranking first in the property insurance industry.

This report describes in detail the operating environment of the auto insurance industry in China, focusing on the research and prediction of the development of its downstream industries and the long-term and short-term trends of changes in auto insurance demand. In view of the opportunities and threats faced by the current industry development, we put forward our investment and strategic suggestions for the development of automobile insurance industry. This report helps auto insurance companies accurately grasp the development trend of the industry and correctly formulate competition and investment strategies with rigorous content, detailed data and intuitive charts. Our main data comes from authoritative professional research institutions in the industry, such as the National Bureau of Statistics, the National Information Center, the General Administration of Customs, and our center's field research. This report integrates the data resources and expert resources of many authoritative organizations, extracts accurate and truly valuable information from a large number of data, and conducts research and analysis from the perspectives of theory to practice, macro to micro in combination with the environment of the industry. Its conclusions and viewpoints strive to achieve the unity of foresight, practicality and feasibility. This is carefully produced by the expert group after a year of market research and data collection in our center. It is one of the important decision-making bases for enterprises, related investment companies and government departments in the industry to accurately grasp the development trend of the industry, understand the competitive pattern of the industry, avoid management and investment risks, and make correct strategic decisions on competition and investment, which has important reference value!

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The first chapter is the development analysis of China automobile insurance industry.

Section 1: Development and Current Situation of Automobile Insurance

First, the emergence and development of insurance industry

Second, the development history and current situation analysis of automobile insurance

Thirdly, the development status of automobile insurance market in other developed countries and regions.

Fourthly, the enlightenment to China automobile insurance industry.

Section 2 Analysis on Marketization of Auto Insurance in China

First, the dilemma of auto insurance marketization and its causes analysis

Second, the prospect of auto insurance marketization strategy

Section 3 Analysis of Auto Insurance Claims in China

First, the analysis of automobile insurance claims service

Second, the car insurance claims model analysis

Section IV Analysis of the Significance of Implementing the Deductible Clause in Automobile Insurance

First, the background of the deductible clause

Second, the typical practice of free compensation in China

Third, the positive significance of the deductible clause to the development of automobile insurance.

Four, the insurance company to implement the deductible clause.

Section V Analysis on the Potential of China Automobile Insurance Market

I. Market structure

Two. Underwriting status

Three. prospect

The second chapter analyzes the compulsory insurance of motor vehicle third party liability in China.

Section 1 Analysis of the Difference between Compulsory Third Party Liability Insurance and Voluntary Insurance for Motor Vehicles

First, the purpose and function are different.

Second, the nature is different.

Third, the implementation methods are different.

Fourth, the scope of responsibility is different.

Verb (abbreviation for verb) has different limits of liability.

Six, the claim subject is different.

Seven, terms and rates are formulated in different ways.

Eight, the auxiliary salary system is set differently.

IX. Other differences

Section 2 Analysis of Three Liability Insurance Systems for Motor Vehicles

First, the historical evolution of motor vehicle third party liability insurance

Second, the Road Traffic Law establishes the statutory compensation rules.

Third, the implementation of commercial operation.

Four, the implementation of compulsory contracting system

Verb (abbreviation of verb) establishes the insurer's obligation to protect the third party.

Six, the establishment of social relief fund for road traffic accidents

Section 3 Analysis of Compulsory Insurance System for Third Party Liability of Motor Vehicles

First, the positioning and function of compulsory third party liability insurance for motor vehicles

Two, motor vehicle compulsory three liability insurance management principles and models

Three, motor vehicle compulsory third party liability insurance system legal relationship analysis

Four, motor vehicle compulsory third party liability insurance related supporting system construction

Five, the "Regulations" (draft) comprehensive evaluation and the basic direction of system construction

Chapter III Analysis of Motor Vehicle Insurance Rate in China in 2007

Section 1 Analysis of Advantages and Disadvantages of Marketization of Auto Insurance Rates

First, the favorable factors for the marketization of auto insurance rates.

Second, the unfavorable factors of marketization of auto insurance rates

Section 2 Analysis of Motor Vehicle Insurance Rate

First, the problems and causes of motor vehicle insurance business

II. Normalization measures for motor vehicle insurance business

Section 3 Accelerating the Marketization of China's Motor Vehicle Insurance Rate

First, the disadvantages of motor vehicle insurance rate control

Second, the background of implementing the marketization of motor vehicle insurance premium rate

Three. Suggestions on promoting the marketization of motor vehicle insurance premium rate

The fourth chapter analyzes the related problems of China automobile insurance industry in 2007.

Section 1 Analysis of Automobile Insurance Industry Chain Effect

First of all, the automobile insurance industry chain is not yet mature.

Second, the long-term mechanism has an industrial chain effect.

Section 2 Analysis of Operating Motor Vehicle Insurance

First, motor vehicle insurance dilemma and its solution analysis

Second, the analysis of realistic contradictions in the operation of auto insurance

Three, operating motor vehicle insurance risk prevention analysis

The third part analyzes the development of automobile insurance intermediary organizations in China.

First, the practical significance of developing automobile insurance intermediary organizations

Second, the development status of China's automobile insurance intermediary organizations

Three, China's automobile insurance intermediary organizations facing problems

Fourth, the development of automobile insurance intermediary organizations in developed countries

Verb (abbreviation of verb) countermeasures and suggestions

Section IV Development Problems and Countermeasures of Auto Insurance Agency Channels

First, the current situation and problems of agency channels in the auto insurance market

Second, the cause analysis and countermeasures

Section 5 Analysis of High Rebate of Motor Vehicle Insurance Agents

First, the current situation of China's motor vehicle insurance industry

Two, the insurance company to solve the problem of high kickbacks of motor vehicle insurance agents.

Third, measures should be taken to solve the problem of high kickbacks of motor vehicle insurance agents.

The fifth chapter is the competition analysis of China automobile insurance industry in 2007.

Section 1 Analysis of the Competitive Characteristics and Countermeasures of the Current Auto Insurance Market

First, the auto insurance market reform process and competitive characteristics

Second, the current auto insurance market analysis of the causes of vicious price competition

Third, the impact of excessive competition on the efficiency of the auto insurance market and social welfare.

Four. Countermeasures and suggestions

Section 2 Analysis of the Causes of Auto Insurance Price Competition

Section III Analysis of Competition Cost and Marketing Mechanism after Auto Insurance Liberalization

1. With the rapid increase of marketing costs, auto insurance is in danger of becoming a profit loophole.

Second, innovative marketing model is the only way to liberalize auto insurance management.

Third, establish a new auto insurance marketing mechanism.

The fourth part is the empirical analysis of auto insurance price behavior under oligopoly competition.

First, the current China property insurance market structure analysis

Second, the empirical analysis of auto insurance price competition

Third, the current auto insurance "price war" countermeasures

Section 5 Trend Analysis of Price Competition and Non-price Competition in Auto Insurance Market

First of all, the market-oriented reform of auto insurance rates is imperative.

The second is the limited price competition in the auto insurance market.

Third, the trend of non-price competition and intensive management.

The sixth chapter is the overall operation analysis and development trend forecast of the automobile insurance industry in 2007-20 10.

Section 1 Analysis on the Operation of China Insurance Market in 2007

I. Overall development of the insurance market

Second, the operation of the property insurance market.

Third, the operation of the auto insurance market.

Fourth, the operation of insurance intermediary

Analysis of fund utilization in the auto insurance market in the second quarter of 2007.

I. Use of insurance funds

Second, the status of listed insurance companies

Section III Regional Development of Auto Insurance Market in 2007

First, the overall development characteristics of the region

Second, Beijing market development analysis

Third, the analysis of Shanghai market development

Fourthly, the analysis of Dalian market development.

Section IV Future Development Prospects of Automobile Insurance Industry

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.