财产险的非车险领域,即将迎来重塑市场格局的监管重拳——“报行合一”。这项旨在根治佣金费率乱战、杜绝“阴阳合同”的新规,不仅将彻底改变业内盛行的“内卷”玩法,更可能加速财险竞争格局的“二八分化”。大量缺乏竞争力的中小险企,正面临生存抉择:要么深耕细分领域、艰难求生,要么黯然退场。01 监管重拳:非车险“报行合一”继车险、寿险银保渠道之后,“反内卷”的监管之风,终于刮向了财产险的另一端——非车险。在...
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