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财产险继续探底,中小险企担忧车险费率市场化而采取激进的销售策略将进一步加剧市场竞争,综合成本率继续上行,但全行业亏损情形不太可能出现;车险费率市场化对大型险企的影响是先扬后抑的,短期保费和承保利润承压将加剧,但后期条款和定价方面有自由度,加之品牌、规模、渠道和服务等方面的优势,市场集中度将触底反弹,
Property insurance continue to bottom out, small and medium-sized insurance companies worry about auto insurance market rate and adopt a radical sales strategy will further aggravate market competition, the overall cost rate continues to rise, but the industry is not likely to make a loss situation; auto insurance market rate of large-scale The impact of insurance companies is that they will start up sooner or later. Short-term premiums and underwriting profit pressure will be aggravated. However, there are degrees of freedom in terms of terms and pricing in the later period. Coupled with advantages in terms of brand, size, channels and services, market concentration will bottom out Bounce