现代财险总裁张宗韬：布局新能源车险是中小公司建立差异化能力的时机

Core Viewpoint - The focus of the modern insurance company is on the strategic development of new energy vehicle insurance, particularly for ride-hailing services, as a response to industry trends and competitive dynamics [2][5]. Group 1: Strategic Focus - The modern insurance company has a distinctive strategic choice, concentrating entirely on new energy ride-hailing insurance [2][5]. - This strategic choice is based on a deep understanding of industry trends and strategic trade-offs, aiming to avoid the pitfalls of homogeneous competition and leverage structural opportunities brought by technological changes [2][5]. Group 2: Competitive Landscape - In the current market, if the dominant vehicles were still fuel-powered, small and medium-sized companies would have little chance of competing directly with larger firms [6]. - The shift in vehicle usage and the changing risk landscape present a unique opportunity for smaller companies to establish differentiated capabilities [6]. Group 3: Core Capabilities - The company emphasizes three core capabilities in its strategy: risk selection and pricing ability, claims ecosystem service capability, and comprehensive sales expansion ability [6].