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Starting from July 1, three new policies have been promulgated and implemented in the automotive industry. Some of them concern the vital interests of consumers, while others will affect the development of the industry. In order to make the newspaper readers better understand these policies, we ask the relevant Experts interpret each new deal in July.
Even though the current auto market is very sluggish, the phenomenon of consumers holding up for purchases has increased, and the inventory of dealers is quite large, but the government’s new policy on perfecting the automobile has not slowed down at all...
New Deal 1
Starting from July 1, the import tax rate for cars, off-road vehicles, and minibuses fell from 28% to 25%, and the import tax rate for auto parts such as bodywork, chassis, and low- and medium-displacement gasoline engines decreased by 13.8-16.4%. To 10%.
Jia Xinguang (Principal Analyst of China Automotive Industry Consulting and Development Corporation): At this point, China's accession to the World Trade Organization has already fulfilled its tax reduction commitments on automobiles and their parts and components. As soon as the tariff reduction is mentioned, many people will think that the price of the vehicle will be lowered. However, in fact, the tariff reduction mainly affects the imported vehicle, and the tariff is only a part of the price of the vehicle. This time, the tariff is only lowered by 3%, so the impact on the vehicle price is not significant.
Since 2002, after five tariff adjustments, the tariffs on imported cars in China have fallen from 70% in 2001 (vehicles with engine displacement below 3 liters) and 80% (vehicles with engine displacement above 3 liters) to 25%. Import duty rates for parts and components fell to 10%.
Liu Wei (North China Automobile and Trade Sales Manager): Just lowered the rate by 3 percentage points, so consumers' expectation of lowering the tariff again is not great. Due to the increase in vehicle prices caused by the previous consumption tax increase, the import auto market has fallen into a downturn in recent months, and consumers’ expectations for tariff cuts have made the imported auto market even more deserted.
Sun Qingbing (Asia City's Sales Manager for Imported Premium Cars): The prices of some imported models have been loosened over the past few days. The price of the 2006 US Volkswagen Touareg 3.2L, which was operated by me, was reduced from RMB 760,000 to RMB 730,000; the price of the Mercedes-Benz S500 (top-in-law) was also reduced from RMB 1.9 million to RMB 1.88 million; the Mercedes-Benz ML350 also From 800,000 yuan to 780,000 yuan. Just a few days apart, there are tens of thousands of yuan in difference, it will certainly cause the car buyers to care.
The situation that the reporter saw yesterday in the imported car market in Beijing was that the price of the BMW X5 4.8is full-time 4 was at 1.16 million yuan, which was a decrease of 140,000 yuan before the tariff reduction.
Hua Xue (General Manager of Auto Market): After the import tariff reduction on July 1st, the import vehicle cost will be reduced by 3%, but it is reflected in the price of the car, and the price of imported cars is reduced by about 2%, that is, the sale price. The price of a car with a price of 1 million yuan is only a drop of 20,000 yuan. However, in fact, the drop in the number of imported cars in the market is much higher than the rate of 2%. The guide price for imported Audi A8 6.0 extended full-time 4WD models is 1.8622 million yuan, and the lowest quotation in the Beijing market is 1.74 million yuan; BMW. X5 4.8is full-time 4 drive minimum quoted 1.16 million yuan, lower than the manufacturer's guide price of 14 million, 06 Mercedes-Benz S350 3.5AT price 40,000 yuan after the price of 1.26 million yuan.
Lu Jun (Imported Vehicle Sales Consultant): The use of tariffs by dealers to adjust the price of imported vehicles is aimed more at attracting consumers to speed up import vehicle turnover. "In July and August each year is the off-season sales of imported cars, dealers take this opportunity to significantly reduce prices and promotions, in order to avoid the risk of warehouse pressure." Sales consultants of an imported car dealer said the essence of the problem. 
The two mandatory national standards of “Car occupant protection for side impact†and “Safety requirements for fuel system for passenger car after collision†were implemented on July 1.
Qiu Baochang (Lawyer of the China Bar Association): Domestic research on the protection of drivers has also begun. With these standards, the cars we buy are safer, and the products introduced by the joint ventures meet these requirements are basically not a problem, but some models of self-owned brands and private enterprises are likely to face market withdrawal within 3 years because they cannot meet new requirements. The danger is that this will also increase the cost of the car. This will undoubtedly face even greater challenges for self-owned brands that exploit the market at a low price, and may cause the auto industry to reshuffle.
Jia Xinguang: The background of the “double touch†policy: Statistical data show that when a car collides with a side collision, the fatality rate of the occupants in the vehicle is significantly higher than that of the frontal collision. Although the state has issued a series of clauses for it, it has no enforcement power. Has not caused enough attention to car manufacturers.
“Currently, new vehicles are frequently used in the domestic auto market. However, in fact, some vehicles have not been tested for collisions at all and their safety performance falls short of the national requirements. After the implementation of side impact and post touch standards, they either increase the safety performance of the car as quickly as possible or Only withdraw from the market,†said the person in charge of the collision laboratory at the China Automotive Technology and Research Center.
Liu Yuguang (Director, Crash Testing Laboratory, China Automotive Technology and Research Center): There is a three-year delay period for the currently available models. The mandatory requirements for these models are implemented 36 months from the date when the standard is issued. In other words, after January 18, 2009, vehicles that fail to meet the standard will be delisted.
The side impact standard clearly stipulates that all M1 models (9 (below) 4 (above) passenger motor vehicles) and N1 models (4 wheel (above) cargo vehicles with a maximum design total mass ≤ 3.5 tons) , must meet the side collision "mandatory provisions"; and in the bumper standards, all M1 models must meet the "mandatory requirements" after the touch. The implementation of the two major standards will be "impulse." New cars that fail to meet the standard will not be submitted for review.
The domestic market is mainly driven by imported cars, joint venture brand cars and self-owned brand cars. The proportion of imported cars is very small, and the safety standards for imported cars are the highest, because all imported cars have passed the safety inspections in the producing countries. The products introduced by the joint venture will, in addition to individual ones, meet the requirements of foreign collision systems first, and therefore it should not be a problem to meet domestic collision requirements. The biggest problem may be private enterprises. Challenges: Certain models of private-owned private companies are likely to withdraw from the market within three years because they cannot meet the new requirements. Some weaker national auto companies still face the dilemma that the newly declared models may not be approved.
Status Quo of the market: Take some newly-listed products as examples. Dongfeng Citroen's Triumph, GAC Toyota Camry and Shanghai Volkswagen's new Polo, etc., are constantly highlighting their unique equipment and reliable safety performance in both high-class cars and economical cars. . In recent years, Volvo Cars, which placed safety at the highest level, has also stepped up its promotion in the Chinese market, hoping to open the Chinese market with the concept of "security."
Cheng Yuan (Senior Automotive Journalist): The implementation of side-impact and post-touch standards is a sign that China's auto industry is maturing, and it is also a prerequisite for China to truly realize an auto society. While auto enterprises improve their own technologies, the country has introduced relevant policies and regulations, which have an important role in regulating the market, forcing some local brands to increase their technological investment and R&D, and enhance their independent innovation capabilities.
Zhou Qing (Professor, Clash Laboratory, Tsinghua University): People's life safety is the top priority. The vehicle must be fully considered for the safety of the vehicle. Safety is not limited to the configuration of ABS and airbags, but it is a need. Systems that are considered in terms of body design, structure, etc.
Li Jun (consumer): A survey on the influencing factors of consumers' car purchases shows that: In 2004, the order of users to purchase cars was price, brand, fuel economy, function, after-sales, safety, and safety. In April this year, a re-investigate of the content revealed that the order of safety for users to buy cars has risen to the second place, only after the price.
I think that the most basic condition for buying a car is safety. If even one's own life is not secure, what is the use of more advantages? Other so-called identity symbols and cultural tastes are even less relevant. So far I have changed four cars and I value safety more than once. 
From July 1st onwards, consumers will be able to buy compulsory insurance at 62 outlets, 1,000 agencies, and 95,518 customer service telephone lines of the People's Insurance Company of China. As an important part of the compulsory insurance contract, the compulsory insurance clauses are read carefully by consumers before they are insured.
Cheng Siwei (Vice-Chairman of the Standing Committee of the National People's Congress): In recent years, the number of motor vehicles, drivers, and road traffic in China have increased significantly. Road traffic safety has become one of the prominent issues of concern to the entire society. In 2005, more than 450,000 road traffic accidents occurred in the country, causing 98,738 deaths, 470,000 injuries, and direct property losses of 1.88 billion yuan. Prior to the launch of the TAC, 24 provinces (autonomous regions and municipalities) in China have required motor vehicles to be covered by the three-party insurance through local legislation or departmental regulations, but they cannot meet the actual needs in terms of legal effectiveness and adaptability. The insurance rate is relatively low. In 2005, it was only about 35%. A large number of motor vehicles traveled on the road without any guarantee, posing a great threat to their lives and property safety.
Zhang Hongtao (Director of the Department of Insurance, Renmin University of China): The Supreme People’s Court, which was concurrently implemented with the Road Traffic Safety Law on May 1, 2004, explains the “Problems concerning the Applicable Law on the Trial of Personal Injury Compensation Cases,†greatly improving the compensation for personal injury. Standards and risk insurance are based on this new standard; while the current commercial insurance is based on the “Measures for Handling Road Traffic Accidents†promulgated by the State Council in 1991. Comparing the two, the compensation items stipulated by the judicial interpretation of the Supreme Court newly increased the necessary nutritional fees, rehabilitation fees, follow-up treatment fees, mental damage solatium payments, and cosmetic charges. At the same time, the compensation standards have also increased. If the death compensation fee is used, the original calculation basis is the annual average living expenses of the accident site. The maximum compensation period is 10 years. The new calculation basis is the per capita disposable income of the responding court, and the maximum compensation period is 20 years. Funeral expenses, disability compensation, dependents’ living expenses, nursing fees, lost-work expenses and other compensation standards have also been significantly improved.
Cui Xiaoyong (Ph.D. student, Guanghua School of Management, Peking University): As an ordinary pedestrian, I think that motor vehicle insurance is a good insurance policy. Everyone can be a victim of traffic accidents. Motor vehicles should also bear corresponding social responsibilities when enjoying “road rightsâ€. The role of insurance is to accumulate premiums for everyone to resist the unpredictable and huge risks of a small number of people and achieve mutual aid and mutual aid.
Bi Zheng (Manager of Insurance Company): In Beijing, one death was caused by a traffic accident. According to past compensation standards, the death compensation fee was approximately 122,000 yuan. However, according to the new standard, the death compensation fee was as high as 312,000 yuan. The standard of compensation is high, and the pricing of TAC insurance is certainly high.
Zhang Tong (owner, 10 years of driving age): I started to buy auto insurance in 1997. Every year, I have full insurance. There are 50,000 or more premiums paid, and less than half of the money is returned. However, auto insurance must be bought. Who can guarantee that there will be absolutely no accident?
Guo Zuojian (Director of the Property Insurance Supervision Department of the China Insurance Regulatory Commission): Traffic Insurance Insurance announces profit and loss to the public every year.
Will the strong insurance business be a "fat" in the insurance company's mouth? As a national statutory compulsory insurance, compulsory insurance is not for the purpose of profit, and its mandatory is also reflected in compulsory insurance and mandatory coverage. According to the "Regulations on Compulsory Motor Vehicle Accident Liability Insurance," the insurance company is engaged in the compulsory insurance business and is separately managed and accounted for separately from other commercial insurance businesses. No matter whether profit or loss is involved in the company’s distribution of interests, the company has actually played a role as a proxy. The profit portion of the TAC Insurance will be included in the next year.
In accordance with the law, the CIRC will verify the operations of the compulsory insurance business each year and make public announcements. According to the overall situation of profit and loss, the insurance company may request or allow the insurance company to adjust the insurance premium rate accordingly. If the adjustment rate is relatively large, it shall also conduct a hearing.
Voiceover: The implementation of the TAC insurance will obviously be a test for the company's management and market credibility.
Meng Shihong (deputy general manager of PICC P&C Beijing Branch): After the implementation of the “motor vehicle accident liability compulsory insurance clauseâ€, we have adjusted the terms of the three commercial insurance products, and the new product will still retain 50,000 yuan in the design. 100,000 yuan and other different grades, but will adjust the scope of insurance coverage, the new rate will definitely be different from the current. 
Traffic Insurance 4 conditions do not settle
The “motor vehicle traffic accident liability compulsory insurance clause†clearly stated that the TAC insurance is not responsible for compensation and advancement in the following four situations:
First, the victim’s deliberate loss of traffic accidents;
Second, the property owned by the insured and the losses suffered by the property on the insured motor vehicle;
The third is the occurrence of traffic accidents in the motor vehicles insured, resulting in the victim's suspension of business, suspension, blackouts, water cuts, stoppages, suspension of production, communication or network interruptions, loss of data, voltage changes, etc., as well as changes in the market price of the property of the victim. Devaluation, loss due to loss of value after repairs, and other indirect losses;
The fourth is the arbitration or litigation costs and other related expenses due to traffic accidents.
Example 1: The maximum compensation is 2,000 yuan
There was no loss of property in the rear-end collision between A and B vehicles. A vehicle had no responsibility, while B vehicle had the responsibility, then B vehicle would compensate A vehicle, and the maximum compensation was 2,000 yuan. Although A car is not responsible, but also need to pay compensation to the B car, the maximum limit of 400 yuan. There is also a situation where if both vehicles collide with each other and both are responsible for each other, both vehicles will pay compensation for the property limit, up to 2,000 yuan.
"The actual amount of compensation also needs to consider the cost of repairing the car." Industry insiders said, "In the first example above, if the repair fee for the second car is only 200 yuan, then the car can only compensate for 200 yuan. In the second In the example, if the repair cost of the B car is 1,000 yuan, and the repair cost of the A car is 3,000 yuan, then the A car will be 1,000 yuan for the B car, and the B car will only have to pay 2000 yuan for the A car. The cost of repairing a car can be compensated by buying a commercial tripartite insurance."
Example 2: Strong insurance is not responsible for compensation
When the driver was driving, he was paralyzed with the vehicle and the driver broke his head. "In the event of a traffic accident, the driver of the vehicle and the passengers in the vehicle are not covered by the compulsory insurance coverage," said the staff of the Property Insurance Department of the China Insurance Regulatory Commission.
Article 5 of the Traffic Insurance Clause stipulates that “victims of compulsory traffic insurance are persons who suffer personal injury or death or property damage due to a motor vehicle accident insurance accident, but do not include on-board personnel or the insured of the insured motor vehicle. â€
It is reported that at present, the new commercial vehicle insurance has changed the liability insurance of the vehicle from the previous additional insurance to the basic insurance, and consumers can purchase it separately after purchasing the delivery insurance.
Example 3: Dealing with used cars requires the transfer of strong insurance
Nowadays, more and more used cars are being sold and used. “How should the insurance of used cars be handled?†The relevant clauses of TAC insurance stipulate: “If the transfer of the ownership of an insured motor vehicle occurs within the validity period of the contract, the insurer shall promptly notify the insurer and go through the formalities for changing the delivery contract.â€
The China Insurance Regulatory Commission’s Property Insurance Department stated that in the sale of used cars, because of the different drivers, the risks are also different. Therefore, the procedures for transfer of compulsory insurance must be handled. The reporter learned from the People's Insurance Company of China that the owner of the vehicle was carrying the original ID card and submitted a written application to the insurance company to make a change. If it is not for him, the agent must also bring a power of attorney to the insurance company.
Regret: The National Basic Medical Insurance Standard is still under development
Jia Haimao (Vice President of PICC Property and Casualty Insurance Co., Ltd.): After the formal implementation of the traffic risk insurance on July 1, the claim principles will undergo major changes. “After a traffic accident occurred in the past, the owner paid for the payment first and then reimbursed to the insurance company. Now it is necessary for the insurance company to pay for the payment. At the same time, the insurance company must follow suit in the course of the accident.â€
Article 7 of the Tactical Insurance Insurance Clause states that if an accident occurs where there are personal injuries and if the situation is critical (if you do not take care of it, it may be life-threatening or result in disability, organ dysfunction, or a disease that significantly prolongs the course of the disease), The hospital will refer to the guideline for the clinical diagnosis and treatment of traffic accidents caused by traffic accidents organized by the competent department of the State Council and the national basic medical insurance standards for emergency treatment.
"If hospital rescue is required, the hospital will first rescue and then settle the fees with the insurance company." Director of the Property Insurance Department of the Insurance Regulatory Commission Dong Bo said, "However, the current national basic medical insurance standards are still under development."