我国加入世贸组织后 ,由于保险市场的开放 ,外资公司的大量进入 ,合资公司的蓬勃兴起 ,保险业的竞争逐渐凸现白热化 ,尤其是基层保险公司 ,如何在激烈的竞争中立足市场 ,参与竞争 ,并在竞争中不断强化自我 ,这是当前摆在基层公司面前的一道难题。本文认真分析市场形势 ,针对基层公司遇到的新情况新问题 ,有针对性地提出了建立适应市场发展与挑战的新机制 ;建立适合市场需求的人才机制 ;建立公司全员培训机制 ;建立客户资料库 ;健全客户服务网络及提高服务质量 ,树立基层公司新形象的见解等 ,值得各基层公司学习借鉴 After China’s accession to the WTO, due to the opening up of the insurance market, the massive entry of foreign-funded companies and the vigorous rise of joint ventures, the competition in the insurance industry is gradually getting hotter and hotter. In particular, the grassroots insurance companies, based on the fierce competition, are basing themselves on the market and participating in the competition. And constantly strengthen themselves in the competition, which is currently facing a grass-roots company in front of a problem. In this paper, the market situation is carefully analyzed. In response to the new situation and new problems encountered by the grass-roots companies, the paper puts forward a set of new mechanisms to meet the market development and challenges, set up a talent mechanism that suits the needs of the market, establish a company-wide training mechanism and establish a customer Database; improve customer service network and improve service quality, establish a new image of grassroots companies insights, it is worth learning from the grassroots companies