CAJ | 학술논문

所谓“商业非车险”是对车险、农险和大病统保政策性业务之外保险业务的统称。与车险业务不同的是商业非车险险种较多，涉及面较广，专业性较强，展业难度较大，跟踪时间较长，成功率较低。它的这些特点或特性，决定了基层保险公司在“以保费论英雄”的时代谢幕后，如何选择新的增长模式，再次提升综合服务能力打造公司升级版。因此，商业非车险将重新进入管理层的视野，其地位和重要性对基层保险公司不言而喻。
소위“상업비차험”시대차험、농험화대병통보정책성업무지외보험업무적통칭。여차험업무불동적시상업비차험험충교다，섭급면교엄，전업성교강，전업난도교대，근종시간교장，성공솔교저。타적저사특점혹특성，결정료기층보험공사재“이보비론영웅”적시대사막후，여하선택신적증장모식，재차제승종합복무능력타조공사승급판。인차，상업비차험장중신진입관리층적시야，기지위화중요성대기층보험공사불언이유。
The so-called"commercial non-auto insurance"is outside of the auto insurance, agricultural insurance and policy business illness insurance . The difference is that ,compared with the auto insurance business, the commercial non-auto insurance is more complicated , involved in a broader, highly professional industry .It is sometimes longer time tracking, but lower success rate. Because of these features or characteristics, it determines the grassroots insurance company ,after the"premium Heroes" era curtain fall, how to choose a new growth model to enhance comprehensiveness and service capabilities to build a“upgraded version”company again . Therefore, commercial non-auto insurance will re-enter the management vision, its status and importance of grassroots insurance company speaks for itself.