In the 2019 underwriting operation management improvement year activity assessment indicators, the a

Abstract]:As the leading type of insurance of property insurance companies, the operating effect of the auto insurance business has been unsatisfactory. Due to the particularity of the filial piety and comparison between the auto insurance business and other property insurance businesses, such as the dispersion of insurance, the small size of a single target, the performance of each target, the similarity of the nature of use, the small gap in the amount insured, the large number of underwriting, the consistent underwriting rate, and the premium income of the auto insurance business is generally as high as about 50 of the property insurance premium, which also lays the foundation for using the "law of large numbers" to measure the risk of the auto insurance operation and assess its benefits.

In addition, the reinsurance of the auto insurance business is relatively simple, which only involves the issue of a statutory ratio of 20 reinsurance (some companies such as Pacific Insurance Company also have the problem of coinsurance within the system with a premium of 10), and does not involve complex factors such as reinsurance or non-proportional reinsurance, so unless there is a sudden large-scale natural disaster, there is a reasonable and positive basis for using the loss ratio index to determine the economic benefits of the auto insurance business. So what kind of loss ratio index is used to evaluate the efficiency of auto insurance business operations?

1. Intensify the rectification of the auto insurance market.

1. After verifying one violation, the prefectural and municipal property insurance institutions will suspend the commercial auto insurance business for 3 to 6 months.

2. After verifying 2 violations, the provincial property insurance agency will suspend the commercial auto insurance business for 2 to 6 months.

3. If a large company violates the rules 10 times nationwide, a medium-sized company 6 times, and a small company 4 times, the head office of the property insurance company shall suspend the commercial auto insurance business for 1 to 6 months.

2. Increase the degree of accountability of senior executives.

1. The corresponding companies of the parked commercial auto insurance business shall implement layers of accountability, and require the 10 property insurance companies to reasonably determine the assessment indicators and ensure that the assessment indicators are sent to the supervision.

In the year, the regulator imposed administrative penalties on 87 property insurance branches for violations of laws and regulations in auto insurance, fined 17.35 million yuan, and dealt with 126 responsible persons. 164 clues of violations of laws and regulations in auto insurance have been handed over to the relevant banking and insurance regulatory bureaus for investigation and handling, and the implementation of regulatory measures has been monitored through the data of the banking and insurance credit platform.

Third, large companies should take the lead in maintaining market order.

1. It is necessary to reasonably formulate the assessment indicators of next year's auto insurance. When formulating the assessment indicators for the Company and its branches in 2020, all property and casualty insurance companies should follow the rules of the market, consider their own capabilities, and not deviate from the actual market, blindly pursue market share and premium scale, and cannot formulate unrealistic assessment indicators.

2. It is necessary to effectively enhance the awareness of compliance management. Property and casualty insurance practitioners, especially senior executives at all levels, should strengthen their awareness of operating in accordance with laws and regulations, improve their awareness that violations of laws and regulations will definitely pay a price, get rid of the misunderstanding and luck mentality of "the law does not hold the public accountable", and strictly implement the regulatory laws and regulations. For those who violate laws and regulations, the property and insurance department of the China Banking and Insurance Regulatory Commission and the banking and insurance regulatory bureaus should increase market rectification and accountability in accordance with the regulatory measures proposed at this meeting.

3. It is necessary to vigorously improve the authenticity of data. Through the screening and analysis of the EAST system, the path and clues of fictitious expenses can be identified more quickly, and the property and casualty insurance companies can be accurately and efficiently verified to arbitrage funds for illegal payment of fees and cash rebates, which is conducive to improving the efficiency of supervision and forcing property insurance companies to improve the authenticity of data.

4. It is necessary to conscientiously carry out rectification of violations of laws and regulations. For the regulatory measures to stop the use of commercial auto insurance terms and rates, all property insurance institutions should strictly implement them, and shall not evade supervision by issuing policies in different places, etc., and will be severely dealt with in accordance with the law once verified.

5. It is necessary to strengthen the management and control of branches. All property and casualty insurance companies shall strengthen the management and control of the business operation, financial management, and expense arrangements of their branches, enhance the compliance and rationality of the payment of expenses, and shall not pay relevant expenses for branches in disguised form in order to avoid supervision. Pay attention to the vicious competition through illegal fees.

6. It is necessary to make preparations for the comprehensive reform of auto insurance. All property and casualty insurance companies should take the initiative to carry out supporting preparations in a timely manner, and truly invest resources in improving their own service levels and competitiveness, rather than seizing the market through illegal handling fees.

The auto insurance reform plan is released, what are the new policies and regulations for the 2020 auto insurance reform? What's changed.

My car has not been insured for four years, and I said that I would get a 5% discount before the tax, and you can see whether to buy it before the tax reform or after the tax reform.