Core Viewpoint - The recent notification from multiple regulatory bodies aims to address the issue of "traffic safety pooling" masquerading as insurance, which has been a growing concern in the market [1][4]. Group 1: Regulatory Actions - The notification prohibits any institution from offering traffic safety pooling to unspecified vehicles, targeting the root of the "fake car insurance" problem [4]. - It defines traffic safety pooling as a non-profit mutual assistance behavior initiated by transportation enterprises for their own vehicles, thus restricting its scope [4]. - Companies are required to remove misleading terms like "motor vehicle pooling" from their names and business scopes to eliminate the existence of counterfeit insurance [4][6]. Group 2: Market Risks - Over 2000 companies are reportedly operating under the guise of "pooling," lacking the necessary qualifications for commercial insurance, which poses significant risks to consumers [3]. - Many vehicle owners mistakenly purchase pooling services thinking they are buying legitimate insurance, leading to issues with claims and potential financial losses [3][4]. - The lack of regulatory oversight allows some pooling companies to misappropriate funds, which could lead to significant financial instability and potential crises [3][4]. Group 3: Industry Challenges - The notification emphasizes the need for improved risk management mechanisms in the road transport industry, encouraging insurance companies to engage in proactive safety measures [6]. - The ongoing challenges of high premiums and difficulties in obtaining insurance for commercial vehicles have created a market for pooling services, which needs systematic solutions [7]. - The suggestion to expand the "easy to insure" platform to include high-risk vehicles aims to address the insurance needs of small and medium-sized transport enterprises [7].