There is widespread interest in the direction to be taken by the bus industry antimonopoly investigations. The impact of anti-monopoly on the automobile industry, in addition to the popular “day fare ticket” and the adjustment of car and spare parts prices under the auspices of the car industry, may be leading commercial vehicle insurance。
“the first case in which the audi brand became antimonopoly in the automobile industry was due to the fact that the conflict between hubei distributors and insurance companies had previously been established.” according to a correspondent close to the audi brand, the “black box” for the sale of part of the vehicle insurance and spare parts is being opened。
Journalists are aware that the commercial vehicle insurance reform, which has been finalized, is being consulted within the industry and are planning to begin implementing new insurance and compensation schemes early next year. For both the automobile and the insurance industries, the epochal significance of vehicle risk reform is no less than the extent to which automobile antimonopoly benefits, and even more relevant to consumer interests。
From the joint publication of the “zero-sum” survey by the chinese association of insurance industries in conjunction with the chinese association of automobile repairs and repairs, professionals in the car insurance industry to the daily economic news report, to this anti-monopoly “storm”, which is the main breakthrough in terms of the price of spare parts and the cost of working hours, it can be seen that the subsequent redistribution of interest patterns and changes in the market after automobile sales will follow。
An anti-monopoly-backed car game/
This anti-monopoly against the automobile industry affects almost all automobile businesses. From mercedes-benz adjusts the price of post-sales maintenance, to jaguar, which takes the lead in lowering the price of the whole car, business-related sources have indicated that this round of policy regulation is far more extensive than expected. People involved in automobile businesses told journalists that “not for one or two businesses, but for the whole industry”
Since then, price disputes between north odi lake distributors and commercial vehicle insurance have been the first to rise to monopolistic heights. It is also known that the forensic evidence of the surprise inspection of the mercedes-benz wadong office is also linked to the post-sale monopoly。
Those who know about antimonopoly in the automobile industry say to the daily economic news reporter: “odi is only the first, and the penalties imposed by the successor enterprise will surface”
Where and where this car industry policy is going to be “torture” is a matter of general reflection in the industry. “the effects and long-term effects of punishment are far more likely to be explored than the punishment itself. According to the above-mentioned analysis。
The deputy director of the chinese automotive industry advisory committee, anqing, indicated that the price of the car as a whole was relatively transparent, while the post-car market, which focused on the purchase and maintenance of spare parts, had strong provisions。
"remember the zero-sum report?" this is not just the beginning of an anti-monopoly campaign, but also the beginning of a counter-movement in the chinese insurance industry.”
This case of anti-monopoly in the automobile industry, and in particular the case of odi, has brought to the fore the “stretch” between car dealers and commercial vehicle insurance。
According to the data, the antimonopoly case against odie resulted from the signing of a “price union” by the north dealer of odie lake earlier this year, which agreed on a uniform price for post-sale hours and spare parts, setting a minimum price for commercial vehicle insurance claims. If commercial vehicle insurance covers the amount of compensation to be paid for vehicles at risk, the difference will not reach the “price union” agreed upon by the audi distributor, and the price difference will have to be borne by the consumer itself. This “price union” was found to be suspected of being monopolistic。
According to articles 46 and 47 of the antimonopoly act, the operator who enters into and implements a monopoly agreement or abuses a dominant position in the market will be ordered by the antimonopoly law enforcement agency to cease the violation, confiscate the proceeds of the violation and be fined between one and ten per cent of the annual sales。
Handyon stated to the daily economic news reporter that the “non-market” pricing model of china's commercial car insurance industry was the root cause of the confusion surrounding the risk-taking solution. “de-marketing” takes place mainly in terms of de-marketing criteria when commercial vehicle insurance rules are developed, and de-marketing pricing of spare parts at the time of settlement。
Commercial car insurance reforms are imperative/
What are the long-term benefits that anti-monopoly in the automobile industry can bring to the automobile market? Commercial vehicle insurance is now expected to benefit first。
According to media reports, the average overall cost of our insurance company is currently likely to be as high as 35 per cent ~45 per cent, while the current cost of insurance is about 65 per cent ~75 per cent. If the average is taken, the combined cost would be 110 per cent, or $10 for each $100 premium charged, with a contractual loss, of which $70 is for the reimbursement and maintenance of vehicles in distress。
A dealer told journalists that it was common practice in the industry to pay 50 per cent for insurance, but that in practice, the proportion was much higher than 50 per cent, subject to the high cost of working hours and spare parts, and would be higher in the case of insurance for luxury cars。
“the unevenness of this data leads to the fact that, with the exception of a very few enterprises, the vast majority of the vri operations are in a state of loss.” handsome gave a presentation to a journalist for the daily economic news。
According to insurance industry analysts, commercial vehicle insurance has long been suppressed. It is a matter of perseverance that the president of the china insurance supervisory council, mr. O'jubo, has said that it will take 5-10 years to manage the damage。
On this basis, commercial car insurance reforms have been “spread out”. The daily economy news journalist was informed that the commercial vehicle insurance reform programme, which is being consulted, is coordinated according to the base premium of about 40 per cent and the risk premium of about 60 per cent。
The base premium component will follow the one-car price pricing principle. According to one of the car insurance managers, “it is not very scientific that the main reference factor for the pricing of our vehicle insurance is the purchase price of the new car. Because even for cars at the same price, their maintenance costs are very different." this pricing principle is not reasonable because of the wide variation in the sale and maintenance prices of brand parts。
Following the commercial vehicle insurance reform, the price of spare parts and the price of maintenance will have a direct impact on the coverage of new vehicles. “through this pricing model, reducing the `zero ratio' of an enterprise as a whole is a necessary trend.” handsome stated to journalists that the price of spare parts reflected in the different zero ratios had a significant impact on new vehicle premiums。
In addition, during an interview with the daily economic news, the dean of the insurance institute of the central university of finance and economics, hao hao hao su, stated: “the insurance industry's interests are seriously impaired by the double-risk business gains that brand-based car dealers have begun to derive from pursuing front-end interests in car insurance operations and upgrading to end-end interests in car insurance operations”
A visit by the daily economy news journalist found that, with regard to the price differential, a beijing 4s shopkeeper explained that they were reporting the price of spare parts for the original plant and that, according to the insurance company's rate of loss, the general fittings could only be supplied to the secondary plant. He admitted, however, that 4s was now based mainly on fixed losses and maintenance。
Antimonopoly demand policy package upgrade/
An qiancheng told journalists that, in the end, anti-monopoly in the automobile industry was intended to benefit consumers. Along with a return to rational growth in the motor vehicle market, profits have gradually shifted from pre-sale to post-sale, and transparency of post-sale profits has become a necessity。
“the important purpose of antimonopoly in the automobile industry is to establish a new order in the field of automobile circulation.” an auto industry analyst briefed the daily economic news journalist that the new order might include a front-end sales management approach for automobile brands and operating rules for the back market。
Handsome told journalists that after-sale profits from dealers should not be obtained through price monopolies. In foreign experience, post-sale profits are mainly derived from service profits, and this is where the automobile industry needs to change thinking。
Earlier, media reports indicated that the audi distributors had failed to meet their commitments to reduce post-sale prices。
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