Research On Differentiated Claims Services For Auto Insurance Of PICC Property And Casualty Insurance Company G Branc

The vicious competition in the auto insurance market around the price of auto insurance for a long time has not only violated the guidance of regulatory policies,but also failed to meet the needs of market competition.In September 2020,since the implementation of the comprehensive reform of commercial auto insurance,the homogeneity of motor vehicle insurance products has become more serious.In addition to the strict external supervision and internal self-discipline of the insurance industry,the focus of insurance companies to enhance their core competitiveness has shifted from the business side to the focus on the quality of claim settlement services.Differential claim settlement services have become a key link inbuilding the core competitiveness of property insurance companies.This article takes PICC Property and Casualty Insurance G Branch as the research object,analyzes the competitive environment of G Branch using the Porter Five Forces Model,evaluates the key factors that affect the development of G Branch using the external factor evaluation matrix and internal factor evaluation matrix,and comprehensively analyzes the external opportunities,threats,and internal strengths and weaknesses of G Branch using the SWOT matrix.Through the QSPM matrix evaluation,uses the differentiation strategy theory,service marketing theory The theory of service differentiation determines the necessity and feasibility of companies choosing differentiated competitive strategies,and plans improvement paths and plans for differentiated claims settlement services for enterprises,Enhance the professional ability to serve customers and the differentiated competitiveness of enterprises.Branch G has continuously improved the level of differentiated claims settlement service,which is conducive to improving its core competitiveness,and also improved the convenience and availability of customer service,responding to the increasing demand for insurance services from customers;In promoting the industry to explore a new path,it will play a positive role in leading the insurance industry to return to the source of service and even improve the sense of value of employees.Through continuous optimization of differentiated claim settlement service strategy,customer-centered,market-oriented,and high-quality development goal oriented,we can solve the difficulties,blockages,and pain points of differentiation,and effectively solve the basic problems of differentiation and the feasibility of implementation path.For the insurance industry,most of the literature focuses on the way of development,while there are relatively few studies on the optimization of services,the promotion of development by services,and the differentiated competition of services in the new form of the industry.The characteristic of this article is not only to explore how the insurance industry’s leading enterprises after the comprehensive reform can effectively implement the differentiated claim settlement service strategy and improve their core competitiveness,enrich the content of the current research,but also to improve and implement the claim settlement service,not only from the customer’s experience,but also consider the recognition of the executive level,to ensure the effective implementation of the differentiated service.This paper analyzes the problems and enhances the applicability of service differentiation competition strategy based on the actual situation,which is of certain significance to the high-quality development of G Branch and regional property insurance industry.