2014 Billboard of Chinese insurance companies Internet innovation
Recently, the Association organized by 2014 China Internet Summit, Zhou Yanli, Vice-Chairman of the CIRC disclosed that by 2014 Internet insurance premium revenues of 62.2 billion yuan in the third quarter, more than last year’s total of 195%. From 2011 to 2013, Internet scale of insurance premiums increase from 3.2 billion dollars to 29.1 billion yuan, 3 year growth overall to reach 810%, with an average annual growth rate of 202%, grew rapidly. Earlier this year, according to the Insurance Association of China released the Internet insurance industry development report shows, according to classification of insurance business of Internet companies, life insurance companies have 44, property-casualty insurance company has 16, total 133 industry-wide life insurance company 45%. Include life insurance, Taikang life insurance, ping an life insurance, many insurance companies have taken the lead in on line, Pacific staking, Chinese insurance companies and the depth of the Internet fully arrived.
“2014 China insurance company innovation rankings” from service, and technology, and channel innovation three a dimension degrees on domestic operating Internet insurance business of China company innovation status for Combs, for readers show conform to Internet financial ecological changes of trend, full played advantage, active discussion and participation innovation of excellent financial insurance institutions, to help user full understanding whole insurance in 2014 of Internet innovation situation and financial Internet future of development direction.
Online financial times, customers stay at home, at home to complete the financing operation, this line of insurance companies and intimate combination offers plenty of momentum. With the premium online banking usage and the financial institutions are testing the waters network sales, customers are increasingly using the Internet to buy insurance products. Industry experts believe that future e-commerce will become a trend, buying insurance online will become the first choice of more and more people.
Internet insurance market more flowering
2013年11月，三马联手成立国内首个互联网保险公司――众安保险；去年双十一期间，国华人寿淘宝旗舰店销售实现“三天一个亿”；最近，永诚保险与互联网巨头腾讯开展战略合作，实现了互联网保险新突破……有关互联网保险的市场信息接踵而至，让人目不暇接。
The Division of insurance business model on the Internet, there is no unified view of the industry. Through analysis on present development situation of domestic Internet insurance, the insurance industry development report points out that the Internet, official website of the industry have been constructed by model, third-party e-commerce platform model, network and proxy mode, professional agency models and five major professional Internet insurance company-led business model system.
Insurance industry business model concerns the overall competitiveness of the industry as a whole, is the transformation and upgrading of the industry’s important drive power. Currently, the main driver of Internet insurance more Internet companies, such as set up by the Internet companies insurance companies, or e-commerce platform, attracted to the traditional insurance companies. For Web companies, after years of development, it has not satisfied in the industry chain downstream marketing channels for financial and insurance institutions, wants expansion to the upper reaches of the finance and insurance industry. Because of this, third-party e-commerce platform model, professional Internet insurance company model will become more competitive rivals. The good news is that, insurers pay more and more attention to the Internet, a number of companies are no longer purely as a marketing channel, but rather as a new context, business, through the establishment of e-commerce firms, Department of business, innovation and other forms, explore will integrate advantage online and offline resources, hoping to achieve maximum effect.
Insurance on the Internet, the opportunities and challenges
互联网保险作为一个新兴的领域，发展空间巨大，但同时互联网保险的发展仍存在着很多挑战。日前，中国保监会副主席周延礼就在2014中美互联网峰会上指出，目前国内互联网保险依旧存在一些问题，如市场机制有待成熟、保险产品有待升级、服务能力有待提高、商业模式有待创新等，同时也存在一些风险，如信息安全风险、逆选择风险、产品风险、操作风险等。
On 2014, according to the China insurance regulatory Commission recently released the first three quarters of the insurance consumer complaint bulletin shows that the first three quarters of the insurance regulatory Bureau of the China insurance regulatory Commission and received various types of insurance-related consumer complaints effectively amounted to 20,294 units rose 34.58%, compared with 27.88% growth rate also increased in the first half.
Confronted with the Internet insurance complaint trends, China insurance regulatory Commission decided three months ago to straighten out this mess. To this end, the day the cat, the online insurance “major” – Chinese life, zhujiangrenshouhehongkangrenshou collective “closure” among the three major things, including other insurance companies online that are not in the context of corrective action under the insurance products have. Ordered corrective action at the same time, insurance to online insurance products “expected return” promotional methods, such as norms, requires insurance companies can no longer simply “expected return”, “one-year” to describe and give “high, medium and low” yields three document clearly demonstrates.
Recently, the CIRC rectification orders lifted, Kuo Hua life insurance, life to return to the days of Pearl River cats. After a three-month overhaul, insurance sales tend to regulate the Internet, but tighter supervision or restrict insurance companies ‘ e-commerce sales practices are increasingly affecting the pattern of new changes in the industry.
Social responsibility reflects core values
从行业大环境看，中国保险业在经过之前20年的高速发展后，它的发展路径和模式在不断摸索中逐渐完善。从某种意义上看，中国保险业经历了市场主体由少变多、竞争环境由粗放变规范的时期，众多成立较早的保险公司已占据了先发优势。然而，“新国十条”和一系列的国家和行业的改革举措都对保险业的下一步发展提出了战略性指导，用现代发展理念为行业护航――保险业应该为投保人的风险分担实现价值的最大化而努力。中国保险业迎来更加规范更加注重专业发展的历史机遇期，这对新生保险企业也是个利好消息。从国际经验看，专业化特色化的道路是保险企业得以“基业长青”的必然选择。
Seen from the insurance industry’s culture, China’s insurance industry is forming people-oriented value system. Corporate social responsibility is not only a concept of corporate governance is also an institutional arrangement, is also a kind of business practice. Without the concept of corporate social responsibility, there would be no mature systems design; not conscious of corporate social responsibility practices, corporate social responsibility also becomes a source. As early as 2013, the China insurance regulatory Commission issued the “keep promise, peril and service, the canonical” the core value of the insurance industry, become a cornerstone of the entire insurance industry culture. Current insurance companies have their own value of existence a deeper understanding of, and commitment of responsibility lies not only in its insurance contracts for clients, to provide social insurance services, also lies in the inherent advantages of using insurance funds to help economic development, social progress, and benefit all stakeholders, reflect the social value of the industry.
(Text/Wang Ke h)