1. Pay attention to renewal rate: Before and after the comprehensive reform, all entities continued to pay attention to renewal business by accelerating channel integration, promoting the construction of renewal service team and improving renewal management mechanism. In the comprehensive reform, the renewal rate of self-insurance vehicles exceeded 70%, and the proportion of customers who were not out of danger in the renewal business was effectively improved, which laid a good foundation for coping with the reform. Through telemarketing, CPIC continuously improves the retention, guarantee and timely follow-up management of high-quality auto insurance customers, and the increment of auto insurance renewal exceeds the overall increment, which has become the main factor driving the growth of auto insurance.
2. Strive to build a commercial vehicle business model: With the price reduction of family cars, optimizing the commercial vehicle business has become a key issue that all subjects need to solve. Ping An promotes commercial vehicle operation to turn losses into profits by installing OBD, driving recorder and adopting ADAS technology. Taibao takes the "Tai Hao Bao" platform as the starting point, builds a commercial vehicle business model, incorporates the data of car networking into the actuarial pure risk premium model, and actively intervenes in driving risk; Some branches of PICC cooperate with institutions such as China Communications Xinglu to improve the loss reduction and refined management level of trucks, especially heavy trucks.