This well illustrates the position of professional intermediaries in the industry, providing lubrication between the main company and customers with the highest KPI assessment. I believe this is the result that the industry hopes to see. But the result is the result of events and wishes. The low threshold of agency companies and wandering in the gray area have made the industry form a "bad money drives out good money". Especially in the auto insurance industry, a large number of pending orders are to solve some financial difficulties of the main company.
The advent of the Internet tide has not fundamentally changed the development of this industry. Mainly under the strict supervision of the Insurance Regulatory Bureau, anything out of line will be put in the bud. The overall development of the agency company is still electronic, and some supporting systems meet the daily sales management functions. However, we can see that some platforms have emerged.
Gecko Technology, Youbaolian, E Home Insurance, Ma Xiao Bao Yun, Zhibao Technology. These companies develop saas tools to provide technical support for agency companies.
The original accumulation was realized in the blowout era of Daidai Company.
Kuaibao, I Bao Yun, Sunflower, Zuihuibao, Chebaoyi and heirloom are all service platforms provided by the agency. As the most direct customers of channel providers, agents can easily absorb part of insurance traffic by setting up the model of Internet plus economic agency companies.
But the problem they face is:
Intermediary is channel business. If a channel wants to develop, it must upgrade itself to "brand intermediary" and "credit intermediary", integrate the scene platform at low cost, and further enhance the integration with the scene. Building a moat "service"+"data"
Intermediaries have been talking about sales, but they will extend their value chain in the future to match the extension of the scene. This may be the "scenario intelligence" that Internet insurance should exert at this stage.