不得盲目拼规模抢份额、严禁虚假手续费，非车险“报行合一”新规酝酿

Core Viewpoint - The introduction of the "reporting and implementation consistency" (报行合一) regulation in the non-auto insurance sector aims to enhance efficiency and reduce costs within the property insurance industry, addressing issues of intense competition and profitability constraints [1][6]. Group 1: Regulatory Changes - The National Financial Regulatory Administration has issued a draft notice to property insurance companies to strengthen the regulation of non-auto insurance, indicating a shift towards "reporting and implementation consistency" [1][3]. - The draft defines non-auto insurance as all insurance business conducted by property insurance companies, excluding auto insurance, agricultural insurance, export credit insurance, short-term health insurance, and accident insurance [3]. - The regulation mandates that insurance companies must strictly adhere to the approved insurance terms and rates, prohibiting any alterations through special agreements or other means [3][4]. Group 2: Market Dynamics - The non-auto insurance market has been experiencing intense competition, leading to a phenomenon referred to as "internal competition," which has negatively impacted profitability [4][5]. - The draft emphasizes that property insurance companies should focus on value and efficiency rather than merely pursuing scale and market share, adjusting their assessment mechanisms accordingly [4][5]. - The regulation aims to curb fraudulent pricing practices and ensure transparency in fee structures, thereby improving the overall market order [4][6]. Group 3: Long-term Implications - Implementing "reporting and implementation consistency" is expected to enhance the underwriting capabilities and risk management of the industry, ultimately leading to a healthier market environment [6][7]. - The shift from a scale-oriented approach to an efficiency-oriented model will require insurance companies to invest in product development and service innovation, moving away from unsustainable price wars [7]. - The long-term impact of these regulations may lead to a significant transformation in the operational models of property insurance companies, fostering a competitive landscape driven by innovation and service quality [7].