遏制保险业“内卷”，又一地发文，恶性竞争如何彻底消除

Core Viewpoint - The insurance industry is actively addressing the issue of "involution" in competition, with various regions, including Guangdong, implementing self-regulatory agreements to promote healthy competition and prevent harmful practices [1][3]. Group 1: Regulatory Actions - Guangdong Province has released the "Self-Regulatory Convention for the Insurance Industry" to guide companies in avoiding "involution" and to establish a framework for fair competition [1][4]. - Other regions such as Fujian and Anhui have also introduced similar initiatives to combat "involution" in the insurance sector, emphasizing the need for self-regulation and adherence to ethical practices [1][4]. Group 2: Issues in the Industry - The insurance industry has been plagued by practices such as excessive price competition, inflated fees, and high commissions, which have led to increased costs and reduced profitability [5][6]. - Companies have engaged in unethical behaviors like falsifying expenses and using misleading marketing tactics to attract customers, which has resulted in a distorted pricing structure and industry-wide losses [5][6]. Group 3: Impacts of Reducing Involution - Reducing "involution" is expected to stabilize pricing, ensure reasonable profit margins, and shift the focus from price competition to service and technology-driven competition [7][8]. - The transition from a "price-driven" to a "value-driven" industry will encourage companies to invest in product innovation and customer service, ultimately leading to a healthier industry ecosystem [8]. Group 4: Future Directions - The industry must adopt a long-term perspective, moving away from short-term profit strategies to build trust and enhance customer loyalty [8]. - Regulatory bodies are expected to continue guiding the industry while companies need to embrace strategic transformations to foster sustainable growth and resilience [8].