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刚进3月,中国人民保险公司、太平洋产险和平安产险三大财险巨头几乎同时推出了共计43款意外险,财险公司挺进“第三领域”的淘金热瞬时点燃。 值得关注的是,拥有产、寿险完整的业务体系使太保、平安两大集团在最初的竞争中优势尽显。经过短短数月的筹备,两大财险公司迅速完成意外险产品设计,抢先突入市场,赢得先机。 在财险公司最初的较量中,“强者愈强,弱者愈弱”的马太效应初现。但是,如何协调集团框架下产、寿险业务的相互竞争,也成了平安和太平洋亟待解决的难题。
Just entering the March, PICC, Pacific Property & Casualty Insurance and P & C insurance giant launched a total of 43 casualty insurance at the same time, a total of 43 accident insurance, property insurance companies advancing into the “third area” of gold rush instantaneous lighting. It is noteworthy that, with production and life insurance integrity of the business system so that CPIC, the two groups peace in the initial competition full advantage. After just a few months’ preparations, the two property insurance companies quickly completed the design of accident insurance products and took the lead in entering the market and won first-mover advantage. In the initial contest of property and casualty insurance companies, the Matthew effect that “the stronger are stronger and the weaker are weaker” emerges. However, how to coordinate the competition between production and life insurance businesses under the framework of the Group has also become a pressing problem for peace and the Pacific.