2023年上半年車險(xiǎn)競(jìng)爭(zhēng)力報(bào)告

中國保險(xiǎn)行業(yè)車險(xiǎn)競(jìng)爭(zhēng)力報(bào)告576.381.322.536441.710.404.06數(shù)據(jù)表明車險(xiǎn)行業(yè)的整體競(jìng)爭(zhēng)力沒有明顯改觀，各經(jīng)營主體分層異化在加劇。2023年二季度車險(xiǎn)行業(yè)當(dāng)期保費(fèi)收入2136.96億元，環(huán)比一季度增長2487203年16月車險(xiǎn)行業(yè)保費(fèi)收入累計(jì)429.4億元，2022272.706.86%，車險(xiǎn)保費(fèi)規(guī)模增GDP。202337.0012.099.49%；20231-686.08202241.3432.44%，車險(xiǎn)行業(yè)整體承保利潤快速下降，并有惡化趨勢(shì)。20225620221.23本梯隊(duì)的各公司普遍有向上成長的欲望，但受制于經(jīng)營成果不良的壓力，近年來將帥更迭比較頻繁，但從對(duì)傳統(tǒng)模式的渤海財(cái)【報(bào)告觀點(diǎn)】中國車險(xiǎn)經(jīng)營長期內(nèi)卷徘徊，迫切希望找到一條出路，如何“破局”，東方和訊認(rèn)為有以下兩個(gè)路徑可以探索試水：車險(xiǎn)行業(yè)應(yīng)改善服務(wù)能力，建設(shè)公共服務(wù)平臺(tái)，實(shí)現(xiàn)理賠資源共享，重構(gòu)產(chǎn)業(yè)生態(tài)。建立保險(xiǎn)行業(yè)理賠公共服務(wù)平臺(tái)，需求單位通過平臺(tái)有效調(diào)用行業(yè)內(nèi)部冗余的查勘理賠資源和外部專業(yè)的供應(yīng)鏈資源，消除保險(xiǎn)公司與理賠資源供應(yīng)商之間的信息不對(duì)稱，從而實(shí)現(xiàn)有效破局。經(jīng)營主體應(yīng)加強(qiáng)技術(shù)研究與應(yīng)用，在償付能力許可下做有效的業(yè)務(wù)，實(shí)現(xiàn)實(shí)務(wù)操作層面精細(xì)化管理。長期以來，保險(xiǎn)公司將車險(xiǎn)視為一種同質(zhì)化的標(biāo)準(zhǔn)產(chǎn)品來售賣，通過費(fèi)用的投放來進(jìn)行獲客。東方和訊認(rèn)為數(shù)字化車險(xiǎn)的實(shí)操要點(diǎn)，其核心是對(duì)車聯(lián)網(wǎng)終端設(shè)備帶來的數(shù)據(jù)做加工處理，識(shí)別出風(fēng)險(xiǎn)特征，梳理排查風(fēng)險(xiǎn)做量化分析，并對(duì)風(fēng)險(xiǎn)較高的個(gè)體予以風(fēng)險(xiǎn)減量管理，這樣做到有限資源用到有效的地方，實(shí)現(xiàn)精細(xì)化管理。一、行業(yè)情況表1 2023年1-6月車險(xiǎn)行業(yè)保費(fèi)及利潤 a0a32Q???1AR&%1358.991288.085.51%a0a32Q???1AR&%1358.991288.085.51%31.989'e32.39%t0.41Hc48.8758.9556.77%110.092??&%J013.48955.026.J29623.85°H24.02%10.J7Rc28.9151.6133.58H?122.7J3-t 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JIi0.6z9.758.92960.25960.2596?0.0o96(0.08)(0.29)-0.i096?0.Z?z6asti0.2?8.93?4.330.z4°+0.22?0.02°+0.000.0z0.0I0.02z8x?sst?0.479.599.i8?o0.2s960.2496?0.01°+(0.63)(0.s5)-0.?39610.0829>IJJet8.30?.934.67960.z0960.209610.0o960.21(0.26)0.3496TO.47301?°.r.￥8.086.3?26.84%0.?9°0.?696?0.03°+(0.53)(0.3z)-0.619610.203?V￥@@9.149.38-2.56960.22960.2496?0.02%1.400.69?.62P??0.713zUs7.858.30s.42960.?8°+0.219610.430.5?0.560.59?10.0s33epi2.439.1236.29960.z9960.239610.0696(0.z7)(0.05)0.3196/0.22346tB?t6.?94.663z.83°0.?5960.?296?0.0396(0.?2)0.2?-0.?49610.3335ast6.846.239.79960.16960.?69610.0o96(0.49)(0.59)0.579610.11366a?I7.006.0216.28960.16960.15\0.0196(0.39)0.i7-0.4596?0s637?>s'I6.4ss.2822.16960.15960.139610.0z°(0.s9)(0.6?)-0.69'X'TO.0238A?7.24s.3036.60%0.17960.13??0.04960.000.100.00R10.1439e 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2022 2023保費(fèi)情況表22023年車險(xiǎn)行業(yè)保費(fèi)規(guī)模與增速變化2023年二季度車險(xiǎn)行業(yè)當(dāng)期保費(fèi)收入2136.96億元，環(huán)比一季度增長2487203年16月車險(xiǎn)行業(yè)保費(fèi)收入累計(jì)429.4億元，比2022年同期增長272.70億元，增幅為6.86%。據(jù)國家統(tǒng)計(jì)局?jǐn)?shù)據(jù)，2023593,034202230,3925.5GDP。表32023年各梯隊(duì)車險(xiǎn)行業(yè)保費(fèi)規(guī)模與增速變化二季度車險(xiǎn)行業(yè)環(huán)比保費(fèi)增速為1.18%。雙寡頭公司保持市場(chǎng)份額穩(wěn)定為55.84%；中小型公司保費(fèi)增速高達(dá)32.06%，市場(chǎng)份額增加1.58634119120231-6利潤情況表42023年車險(xiǎn)行業(yè)利潤與增速變化202337.0012.099.49%；20231-686.08202241.3432.44%，車險(xiǎn)行業(yè)整體承保利潤快速下降，并有惡化趨勢(shì)。1.13中處于劣勢(shì)，案件理賠的精細(xì)化和準(zhǔn)確度有待提升。無奈之下訴諸從基準(zhǔn)費(fèi)率角度提高保單保費(fèi)，反而造成客戶滿意度下降。20237表52023年各梯隊(duì)車險(xiǎn)利潤與增速變化2023年二季度車險(xiǎn)行業(yè)承保利潤比一季度減少12.08億元，增速為-24.62%。其中雙寡頭公司增速為-33.454.794.81220231-6經(jīng)營成本圖3車險(xiǎn)行業(yè)綜合賠付率趨勢(shì)報(bào)告統(tǒng)計(jì)了近18個(gè)月的車險(xiǎn)行業(yè)綜合賠付率數(shù)據(jù)，其平均值為2022271.9820221268.77%的最低值，在此節(jié)點(diǎn)呈“V202370.0370%水平波動(dòng)。圖4車險(xiǎn)行業(yè)綜合費(fèi)用率趨勢(shì)1820221.134所示，本年市場(chǎng)投放成本處于高位。圖5車險(xiǎn)行業(yè)綜合成本率趨勢(shì)20225203年6月達(dá)到9788202年同期高出1.3個(gè)百分點(diǎn)。二、主體分析競(jìng)爭(zhēng)力排名表6 全國性公司車險(xiǎn)競(jìng)爭(zhēng)力指數(shù)排名表7 區(qū)域、地方性公司車險(xiǎn)競(jìng)爭(zhēng)力指數(shù)排名行業(yè)競(jìng)爭(zhēng)力趨勢(shì)表8 行業(yè)車險(xiǎn)競(jìng)爭(zhēng)力得分情況本期行業(yè)車險(xiǎn)競(jìng)爭(zhēng)力指數(shù)加權(quán)平均值為76.3877.701.3278.772.53究的63家經(jīng)營車險(xiǎn)主體的中位數(shù)分值本期為41.71分，環(huán)比上期42.110.4045.774.06591.8493.0192.5591.25、90.3319.65、20.41、15.01、18.04、20.1。公司分析表9中支機(jī)構(gòu)車險(xiǎn)平均產(chǎn)能雙寡頭公司圖6 人保財(cái)險(xiǎn)、平安財(cái)險(xiǎn)車險(xiǎn)評(píng)價(jià)指數(shù)雷達(dá)圖表10 2023年車險(xiǎn)雙寡頭公司保費(fèi)、利潤情況2-3二梯隊(duì)公司表11 2023年車險(xiǎn)二梯隊(duì)公司保費(fèi)、利潤情況處于市場(chǎng)份額第二梯隊(duì)的各經(jīng)營主體在分層異化。本期該梯隊(duì)的保費(fèi)規(guī)模環(huán)比上期下降1.56個(gè)百分點(diǎn)，本梯隊(duì)的各公司普遍有向上成長的欲望，但受制于經(jīng)營成果不良的壓力，近年來將帥更迭比較頻繁，車險(xiǎn)經(jīng)營戰(zhàn)略差異明顯。太保財(cái)險(xiǎn)圖7 太保財(cái)險(xiǎn)車險(xiǎn)評(píng)價(jià)指數(shù)雷達(dá)圖太平財(cái)險(xiǎn)圖8 太平財(cái)險(xiǎn)車險(xiǎn)評(píng)價(jià)指數(shù)雷達(dá)圖圖9 太平財(cái)險(xiǎn)車險(xiǎn)綜合成本率趨勢(shì)210010018100%，因此競(jìng)爭(zhēng)力在二梯隊(duì)中排名不理想。華安財(cái)險(xiǎn)圖10 華安財(cái)險(xiǎn)車險(xiǎn)評(píng)價(jià)指數(shù)雷達(dá)圖圖11 華安財(cái)險(xiǎn)車險(xiǎn)利潤趨勢(shì)20222202356三梯隊(duì)公司本期三梯隊(duì)公司普遍采取了激進(jìn)的市場(chǎng)策略，但從兩家典型公司（傳統(tǒng)小型全國性公司和互聯(lián)網(wǎng)保險(xiǎn)公司）的分析來看，經(jīng)營成果不容樂觀，車險(xiǎn)經(jīng)營面臨新考驗(yàn)。渤海財(cái)險(xiǎn)圖12 渤海財(cái)險(xiǎn)車險(xiǎn)評(píng)價(jià)指數(shù)雷達(dá)圖圖13 渤海財(cái)險(xiǎn)車險(xiǎn)業(yè)務(wù)利潤數(shù)據(jù)顯示，渤海財(cái)險(xiǎn)2022年各月利潤情況起伏不定，全年累計(jì)盈20233200眾安財(cái)險(xiǎn)圖14眾安財(cái)險(xiǎn)評(píng)價(jià)指數(shù)雷達(dá)圖圖15眾安財(cái)險(xiǎn)車險(xiǎn)保費(fèi)增速圖16眾安財(cái)險(xiǎn)車險(xiǎn)利潤三、報(bào)告總結(jié)中國車險(xiǎn)經(jīng)營長期內(nèi)卷徘徊，迫切希望找到一條出路，如何“破局”，東方和訊認(rèn)為有以下兩個(gè)路徑可以探索試水：車險(xiǎn)行業(yè)應(yīng)改善服務(wù)能力，建設(shè)公共服務(wù)平臺(tái)，實(shí)現(xiàn)理賠資源共享，重構(gòu)產(chǎn)業(yè)生態(tài)。本期報(bào)告對(duì)于保險(xiǎn)公司分支機(jī)構(gòu)產(chǎn)能做了專題分析，數(shù)據(jù)顯示，雙寡頭和二梯隊(duì)公司憑借機(jī)構(gòu)網(wǎng)點(diǎn)布局上理賠資源的調(diào)度和配置上具有優(yōu)勢(shì)