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据美国通用公司的预测，5—10年后，中国市场每年新增机动车辆的保险额是200亿元人民币。巨型蛋糕在前，保险公司岂敢松懈，其分支机构也因此背上了沉重的保费任务负担。最原始也是最简单的竞争方法，就是给保险代理高回扣。初看起来，皆大欢喜，当这一恶性竞争愈演愈烈的时候，保险公司只能自食其果。本文从经济学角度分析了车行代理高回扣现象的成因和危害，介绍并评析了2004年保险公司对此问题的最新解决方法，接着从理论上分析，要解决车行代理高回扣问题一方面可以采取措施对保险市场加以有效管理，杜绝不正之风；另一方面可以回避车行代理，从而减轻保险公司高额回扣的负担。最后提出解决问题的五种方式：上调车险代理费率；对保险市场实行有效监管；专业化车险代理渠道；发展车险的直销和发展车险经纪人制度。

关键词：车行代理，车险超市，行业自律，车险直销，车险经纪人

Answer 1

According to the U.S. General's forecast,After in 5-10 years,New motor vehicles each year in China's insurance coverage is 20 billion yuan.The former giant cake,Insurance Qigan relax, its affiliates and therefore the task to carry a heavy burden of the premium.The most primitive and most simple methods of competition, is to give insurance agents high commission.This paper analyzes from an economic point of view of high agency car dealers rebate and harm the cause of the phenomenon, introduce and analyze the insurance company in 2004 the latest solution to this problem, and then from the theoretical analysis, to solve the problem on the one hand car dealers agents high commission can take measures to effectively manage the insurance market and eliminate unhealthy practices;On the other hand can avoid car dealers agents, thereby reducing the burden of the insurance company high commission.Finally, five ways to solve the problem: raise auto insurance rates agent; on the insurance market, effective regulation; professional auto insurance agency channels; the development of direct sales and development of auto insurance broker auto insurance system.

Key words: car dealers agents, auto insurance supermarket, discipline, direct auto insurance, car insurance broker

Answer 2

According to the U.S. General's forecast,After in 5-10 years,New motor vehicles each year in China's insurance coverage is 20 billion yuan.The former giant cake,Insurance Qigan relax, its affiliates and therefore the task to carry a heavy burden of the premium.The most primitive and most simple methods of competition, is to give insurance agents high commission.This paper analyzes from an economic point of view of high agency car dealers rebate and harm the cause of the phenomenon, introduce and analyze the insurance company in 2004 the latest solution to this problem, and then from the theoretical analysis, to solve the problem on the one hand car dealers agents high commission can take measures to effectively manage the insurance market and eliminate unhealthy practices;On the other hand can avoid car dealers agents, thereby reducing the burden of the insurance company high commission.Finally, five ways to solve the problem: raise auto insurance rates agent; on the insurance market, effective regulation; professional auto insurance agency channels; the development of direct sales and development of auto insurance broker auto insurance system.
Key words: car dealers agents, auto insurance supermarket, discipline, direct auto insurance, car insurance broker

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