| With the increasingly fierce competition in the insurance market, insurance companies for the size of the premium has a higher pursuit, premium scale, a direct impact on the company in the local market share, insurance premium of a property insurance company premiums with general in about 70%, and premium income of insurance premium Zhongche business department hold larger proportion. In L City insurance as an example, a total of 14 business departments,2015 insurance premium income, a total of about 4.8 million, the only car dealer business department of a department is premium contributions 85 million yuan, contribution in about one sixth of and with the expanding region 4S shop car sales, car dealer business department of the size of the premium still large room for improvement. Therefore, the growing importance of insurance LORIC business department, car business department of business development for the company has a strategic significance. Because of this, various insurance companies are increasingly car dealer business development as an important starting point for the size of the company’s premium to improve, in 1 area car dealer premium market competition, many insurance companies to seize market share, regardless of the to close to the limit of high handling fee at the expense of 4S shop premium on the company’s tilt.In this paper, we first introduce the L PICC Property Insurance in the local business development and the environment:due to policy reasons,4S shop also faces fierce competition in the market, also in car sales 4S shop profit has been far below the level of a few years ago. In this case,4S shop began to turn to other channels to obtain profits, insurance fee is a very important means, because the 4S shop car to master a lot of premium resources, and hope that the cooperation of insurance companies are numerous, which leads to 4S store agency fee climbed steadily high, they began to put the insurance agency fee as an important source of profit, so the insurance company is facing the 4S shop to ask for high fees situation; commercial auto insurance rates after the reform of the insurance companies in the local insurance industry associations and organizations for their own interests from the law, the intention to reduce the development cost of the business through the development of uniform standards, but do not have the mandatory constraints and self-discipline of all insurance companies facing the "prisoner’s dilemma game mode, individual companies in order to complete the target premium scale, Take the non observance of the practice of self-discipline, which caused a chain reaction, more and more insurance companies made the same choice.In this case the L PICC car business department is necessary to carry out reform of the business process reengineering, the company has serviced numerous resources and natural advantages, but rely on the 4S shop to provide premium support, while the 4S shop is very eager to repair resources through various channels to secure more PICC, in this case, PICC the car insurance business process reengineering, business process optimization claims the integration of resources, will be able to fight for a greater share of the premium 4S shop; at the same time, as the car slowed down gradually in large and medium-sized city county sales pace, auto sales market is strong vitality under the background of L, focus on the layout of PICC county two hypermarkets the dealer market, seize the county 4S shop premium market opportunities; to strengthen cooperation and 4S shop, L Paul actively participate in local activities show car dealers insurance business, the Can not only through the show flow characteristics to promote the company’s brand and is capable of collecting more information to potential clients; and 1 PICC through to carry out the sale and after-sale service to increase customer stickiness, such as the establishment of the "Friends of PICC" club, for customers to provide free proxy instance car service, free car accident rescue, on behalf of drunk driving, illegal text messages to remind other service, launched a free car maintenance service, for the majority of owners of a friend save maintenance expenses. This paper mainly through the above content to explore L insurance insurance car dealer business department in the current market environment, how to make use of the advantages, through the business process reengineering to strengthen cooperation with the 4S shop, through the introduction of more value-added services to attract customers, further expand the size of the premium for occupy a larger share in the market, and make greater contribution to the company’s overall business development. |
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