·Commercial auto insurance reform program will offer low-risk car owners enjoy preferential

Discuss the commercial auto insurance rate reform boots for several years. On February 3, the China Insurance Regulatory Commission officially issued the "Opinions on Deepening the Reform of the Commercial Vehicle Insurance Clause Rate Management System" (hereinafter referred to as "Opinions").
The purpose of the commercial auto insurance fee change is to make the auto insurance loss and price more match, so that the low-risk car owners have more rate concessions, broaden the scope of auto insurance coverage, and give the auto insurance product pricing power to the insurance company, and give the product selection rights to Owner.
"Commercial auto insurance fee reform is a huge project. On the 3rd, it is only the release of the fee to change the "Opinions". Recently, the industry association will release the model clauses, Heilongjiang and other six provinces and cities pilot programs and solicit opinions. After the Spring Festival, a specific pilot program will be issued, estimated in May. The pilots were officially launched in six provinces and municipalities. The old terms of the pilot areas were immediately suspended and directly replaced with new ones.” On the 3rd, Liu Feng, director of the Insurance and Insurance Department of the China Insurance Regulatory Commission, said at the briefing. After the pilot reforms were initiated in Heilongjiang, Shandong, Guangxi, Chongqing, Shaanxi and Qingdao, they were pushed to the whole country according to the pilot situation.
The "Opinions" mainly announced the main contents and transition plans of the auto insurance reform. In the commercial auto insurance clause, the China Insurance Association takes the lead in formulating model clauses and encourages property and casualty companies to develop diversified and personalized innovation clauses.
In the formulation of the rate, the insurance association also establishes the collection, measurement and adjustment mechanism of the commercial vehicle insurance loss data, and dynamically publishes the commercial vehicle insurance standard pure risk premium form, giving the property insurance company a certain rate to determine the autonomy and determining the autonomous rate adjustment factor. And its adjustment standards. According to the maturity of the market, the commercial auto insurance rate of the property insurance company was gradually expanded to determine autonomy, and finally a highly market-oriented commercial auto insurance rate formation mechanism was formed.
“Guaranteing the overall price stability” is the most crucial factor in the transition of this reform. Liu Feng believes that this commercial auto insurance fee reform has a more rational and mature market and perfect supervision means compared with the attempt to trigger price competition several years ago. "Most of the low-risk car owners will definitely get lower prices, but the high-risk car owners' premiums will be raised, one high and one low, and the overall market price is stable." Liu Feng said.
Since the commercial vehicle insurance premium reform was based on the calculation and standard determination under the “one generation” system, Liu Feng said that he would strive to complete the commercial auto insurance rate reform during the “second generation” transition period.
It is worth noting that the Model Provisions, the Risk Premium Table and the Rate Adjustment Coefficient and Standards specified in the Opinions require the CIRC to implement a dynamic formation mechanism.
The challenge of small and medium-sized companies has intensified the share of PICC P&C Insurance, Ping An Property Insurance and CPIC Property Insurance, which account for over 60% of the auto insurance market share. Dozens of property and casualty companies other than the three people share less than 40% of the auto insurance share. Once a big company starts a price war, small and medium-sized companies will have no room for breakthrough in the short term.
The 21st Century Business Herald reporter learned that some small and medium-sized property insurance companies have certain pressure on the arrival of auto insurance reform. On the one hand, when the share of sales of electricity and online sales channels gradually rises, there is a decline in the adequacy of premiums and an increase in the rate of claims. If the sales costs of small and medium-sized companies are difficult to compress, the profit margin is limited.
On the other hand, an insider of a small and medium-sized property insurance company said that “the review of independent pricing factors and innovation clauses, the data base of different companies is different, and the independent pricing of small companies is not limited, so it is risk and cannot be handled simply. ”
“People feel that there is no subversive change in the model clause, and it is not easy to judge how much influence it can make.” On the 3rd, an insider of the insurance association analyzed the 21st Century Business Herald reporter. “The current pattern is difficult to completely reverse, but it is provided. Innovative products are personalized, enabling small and medium-sized companies to develop their strengths."
The Opinions encourages property and casualty insurance companies to develop innovative terms for commercial auto insurance to meet the needs of commercial auto insurance at different levels of the public. The China Insurance Industry Association will also set up an expert evaluation committee for commercial vehicle insurance innovation clauses to establish a scientific, fair and objective innovative clause evaluation mechanism.
China Insurance Regulatory Commission: ensuring a smooth transition The more arduous task of the China Insurance Regulatory Commission in 2015 is to build or promote the industry to establish different dimensions, even cross-industry information databases, credit systems, trading centers and hosting platforms.
For the auto insurance reform, it includes the integration of auto insurance data platform, providing actuarial and risk control support for a series of market-oriented reforms; such as the preparation of auto insurance premium bills, and promoting the transformation of the entire auto industry chain, the joint auto industry association released “zero ratio” Coefficients, the development of automotive collision laboratories and repair parts, and forward-looking research on working hours standards have enabled the insurance industry to increase its control and voice in the automotive industry chain.
Compared with the auto insurance reform ten years ago, "At that time, even the solvency supervision system has not yet formed. Now, whether it is the rationality of the auto insurance market or the technical means of supervision, we believe that all the more mature reform opportunities." Insiders said.
The "Opinions" also clarified that property and casualty companies properly handle the convergence of new and old products in commercial auto insurance. Insurance regulators, industry associations and property insurance companies have made preparations for the reform of the commercial auto insurance clause rate management system, paying attention to problems and hidden dangers in the implementation of reforms, and formulating emergency plans for emergencies.
The CIRC will strengthen the daily monitoring of the formulation and use of commercial auto insurance clause rates for property and casualty companies. If a violation of the law is found, the property and casualty company shall be ordered to stop using it and modify it within a time limit. If the circumstances are serious, the new commercial auto insurance clause rate may be banned within a certain period of time.
At the same time, the China Insurance Regulatory Commission will establish a retrospective analysis mechanism for determining and using the commercial auto insurance rates of property and casualty insurance companies, verifying the rationality of the commercial auto insurance rate determination and the actuarial assumptions in use, the compliance of the liability reserve and the financial business data. The authenticity of the in-depth investigation of the risks caused by the unreasonable formulation of commercial auto insurance rates.

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