Abstract
In the dynamic landscape of the Chinese commercial insurance market, the escalating prevalence of Internet sales has triggered a comprehensive exploration into the intricacies of premium determination. This study delves into the multifaceted influence of Internet sales on commercial insurance rates, employing a blend of theoretical analysis and empirical investigation. The research unveils substantial effects on market competition, consumer behavior, and strategic decisions of insurers. The insights derived not only contribute to the refinement of regulatory frameworks but also offer valuable guidance to insurers, empowering consumers in navigating the evolving complexities of commercial insurance in China.
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