Who scare off the insurance companies
Normally, the rapid expansion of space for insurance companies in auto sales is also a huge "cake" and the ability to evade the risk of "banker" or their insurance companies. However, the consumer loan guarantee insurance is the biggest problem facing the social credit system deficiencies. As the domestic personal and corporate financial credit system has not established, the lack of supervision and credit rating of dishonesty to carry out the punishment mechanism, some consumers have a weak concept of credit, the risk of moral hazard have become increasingly prominent, together with the insurance company's own operations and management issues readily available to insurance companies and the "cake" to eat and rush out.
Data show that currently about 30% of private car loan default loan, 10 percent of car loans difficult to recover, the majority of insurance companies operating in Judai Xian on a loss, leading to the termination of business. Although the loans have defaulted on the loan or not there are many reasons for, but have occurred insurance claims, the bulk of regional and wilful default, deliberate fraudster in the majority. Guangzhou as an example, the insurance industry in Guangzhou will first quarter of this year's statistics showed that in Guangzhou the General Insurance Corporation insurance average car loan payment rate is as high as 35.57 percent, the payment rate to individual companies has reached 40 percent of all businesses operating Che Daixian The insurance companies, all in this business into the black hole of loss.
In the current automobile import tariffs and domestic car prices are reduced circumstances, the car as collateral significant decline in the value, down too fast, with fixed annual rate of depreciation, the value of collateral car is likely to Diding debt When a new car loans over the price of vehicles, which may affect the borrower's loan will neglect some of the integrity of the consumers are likely to drill legal loopholes, intentionally to loan-to-car arrived, to give up the repayment.
Increasing competition in non-standard
Consumers must buy insurance on loans rather grievances, but the insurance company has not refused to even high-risk insurance customers. The reason is very simple, loan guarantees and insurance is up for sale, in essence, become the mandatory loans. Insurance companies only to see this bundle can premiums, but forget the policies sold at the same time, all the risk and bought back. This coercive sales practices and insurance companies to guard against the risk of omitting vital nuclear security procedures, easing the risk management. In the shared interests of the time, in fact, has buried the seeds of risk alone Tam, an experienced changes in the market, the risk is concentrated outbreak can be expected that.
In almost all types there are unscrupulous competition on price cuts for business phenomenon, particularly in auto insurance. Che Daixian in fairly prosperous times, though insurance benefits, but the property insurance premium income accounted for the proportion of the total premium is not large. Members Xueben snatch at the business behind the eyes is the new Che Daixian can bring insurance. The root cause of the vicious competition, the insurance company is not re-scale re-effective business philosophy and objectives of the company from top to bottom inconsistent system contradictions.
Normally, the rapid expansion of space for insurance companies in auto sales is also a huge "cake" and the ability to evade the risk of "banker" or their insurance companies. However, the consumer loan guarantee insurance is the biggest problem facing the social credit system deficiencies. As the domestic personal and corporate financial credit system has not established, the lack of supervision and credit rating of dishonesty to carry out the punishment mechanism, some consumers have a weak concept of credit, the risk of moral hazard have become increasingly prominent, together with the insurance company's own operations and management issues readily available to insurance companies and the "cake" to eat and rush out.
Data show that currently about 30% of private car loan default loan, 10 percent of car loans difficult to recover, the majority of insurance companies operating in Judai Xian on a loss, leading to the termination of business. Although the loans have defaulted on the loan or not there are many reasons for, but have occurred insurance claims, the bulk of regional and wilful default, deliberate fraudster in the majority. Guangzhou as an example, the insurance industry in Guangzhou will first quarter of this year's statistics showed that in Guangzhou the General Insurance Corporation insurance average car loan payment rate is as high as 35.57 percent, the payment rate to individual companies has reached 40 percent of all businesses operating Che Daixian The insurance companies, all in this business into the black hole of loss.
In the current automobile import tariffs and domestic car prices are reduced circumstances, the car as collateral significant decline in the value, down too fast, with fixed annual rate of depreciation, the value of collateral car is likely to Diding debt When a new car loans over the price of vehicles, which may affect the borrower's loan will neglect some of the integrity of the consumers are likely to drill legal loopholes, intentionally to loan-to-car arrived, to give up the repayment.
Increasing competition in non-standard
Consumers must buy insurance on loans rather grievances, but the insurance company has not refused to even high-risk insurance customers. The reason is very simple, loan guarantees and insurance is up for sale, in essence, become the mandatory loans. Insurance companies only to see this bundle can premiums, but forget the policies sold at the same time, all the risk and bought back. This coercive sales practices and insurance companies to guard against the risk of omitting vital nuclear security procedures, easing the risk management. In the shared interests of the time, in fact, has buried the seeds of risk alone Tam, an experienced changes in the market, the risk is concentrated outbreak can be expected that.
In almost all types there are unscrupulous competition on price cuts for business phenomenon, particularly in auto insurance. Che Daixian in fairly prosperous times, though insurance benefits, but the property insurance premium income accounted for the proportion of the total premium is not large. Members Xueben snatch at the business behind the eyes is the new Che Daixian can bring insurance. The root cause of the vicious competition, the insurance company is not re-scale re-effective business philosophy and objectives of the company from top to bottom inconsistent system contradictions.
No comments:
Post a Comment