Research On The Management Strategies Of Small And Medium-Sized Insurance Company Auto Insurance Rates Market Background

China’s market-oriented reform auto insurance rates from 2001 in 2003, China has gradually liberalized insurance product pricing,2009 Beijing commercial motor vehicle insurance floating premium issued. After years of progress, in recent years, the great progress, 2014 China Insurance Regulatory Commission and the China Insurance Industry Association were released "on deepening the reform of commercial vehicle insurance terms and premium rates management system of guidance (comment draft)", the Insurance Association of China motor vehicle comprehensive insurance business model provisions (Draft) "to push forward the process of reform. On February 3,2015, the insurance of our country will be issued the guidelines on deepening the reform of commercial vehicle insurance terms and premium rates management system through research and consultation, as China’s insurance industry market reform is an important part of commercial reform of auto insurance rates in the China Insurance Regulatory Commission to vigorously promote, step into the substantive phase of the operation. June 2015 for the first time in 6 regions of the implementation point, in January 2016 expanded to 18 pilot areas, pilot areas of commercial insurance business has presented more new features. While the impact of these new characteristics of the property insurance companies is very large, how to adapt to current commercial reform of auto insurance rates is of property insurance company of our country is facing a task of top priority.In the face of market auto insurance rates to promote the deepening of China’s insurance industry especially the small and medium-sized insurance company the profound. Because, at present in China in the past three large insurance companies (PICC, Ping An insurance, Pacific Insurance) occupy most of the market share, accounting for the number of than in more than 90% of the insurance companies, the vast majority of small and medium-sized insurance company, which accounted for Bizet less than 40%. With the landing of the rate of the market, insurance rates dropped significantly, increasingly fierce competition, therefore in the car insurance premium rate market under the background of on how to promote the healthy development of small and medium-sized insurance company, how to adjust strategic layout and how to improve insurance market structure research is very important.At first, this paper analyzes the connotation and features of car insurance premium rate market, then analyze the car insurance premium rate market under the background of small and medium-sized insurance company is facing opportunities and challenges, followed by an analysis of foreign small and medium-sized insurance company to deal with insurance premium rate marketization of countermeasures, and learn from foreign experience, in view of our country small and medium-sized insurance company in car insurance premium rate market under the background of the face of the opportunities and challenges, and puts forward the more focused and micro level operation is proposed.