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- 4家(jiā)互聯網險企前5個(gè)月(yuè)保費(f∞γεèi)大(dà)增89%
近(jìn)期披露的(de)數(shù)據顯示，★α'÷今年(nián)前5個(gè)月(yuè)，衆安财産、易安财産、泰康在線、安₹☆✘心财産4家(jiā)互聯網公司合計(jì)原保費(fèi)達59.6億元，同比大(dà)幅增長(cháng)89%。而同期産險公司的(de)原保費(fèi)收入為(wèi)4961.28億元，同比僅增長(cháng)15.26%，由此可(kě)見(jiàn)，互聯網保險今年(ni♦ ¶≤án)前5個(gè)月(yuè)取得(de)快(kuài)速增長(cháng)。
具體(tǐ)來(lái)看(kàn)，衆安财産、易安财産↕♠✘、泰康在線、安心财産等4家(jiā)險企1月(yuè)份至5月(yuè)份保費(fèi)分(fēn)别為(wèi)39.7億元、8.7 億元、6.4 億元、4.8億元，同比增速分(fēn)别為(wèi)93%、105%、17%、305%。
一(yī)家(jiā)互聯網保險公司業(yè)務人(rén)員(yuán)對(duìλ↓€)《證券日(rì)報(bào)》記者表示，互聯☆α網保險公司保費(fèi)出現(xiàn)大(dà)幅增長(cháng)，一(yī)方☆♣面與這(zhè)幾家(jiā)保險公司成立時(shí)間(jiān)不(bù)久，保費(fèiδ✔×)基數(shù)較低(dī)有(yǒu)關；另一(yī)方面，也(yě)與這(zhè)幾"₩家(jiā)公司加大(dà)技(jì)術(shù)投入，尤其是(shì)對(duìφ )場(chǎng)景化(huà)保險加大(dà)投入有₽•×(yǒu)關。
互聯網險企保費(fèi)大(dà)增
無論是(shì)與保險行(xíng)業(yè)整體 φ (tǐ)保費(fèi)增速對(duì)比，還(hái)£÷₽是(shì)與财産險業(yè)保費(fèi)增速對(duì)比，今年(nián)前5個(gè)月(yuè)，專業(yè)互聯網保險公司保費(₽→γ↑fèi)均出現(xiàn)遠(yuǎn)高(₩₹gāo)于行(xíng)業(yè)的(de)增速。統計(jì)顯示，4家(jiā)互聯網保險保費(fèi)大(dà)幅增長(cháng)89%。
銀(yín)保監會(huì)披露的(de)數(shù)據顯示，今年(nián)1月(yuè)份至5月(yuè)份，行(xíng)業(yè)原保費(fèi)收入19103.02億元，同比下(xià)降5.86%。其中，産險公司原保費(fèi)收入4961.28億元，同比增長(cháng)15.26%；壽險公司原保費(fèi)收入14141.71億元，同比下(xià)降11.54%。
引人(rén)注意的(de)是(shì)，專業(yè)互聯網★£¥π保險公司在保費(fèi)快(kuài)速增長(cháng)的(de)同時₹≤<(shí)，在互聯網财險業(yè)市(shì)場(chǎng)的(de)占有(yǒu)率 ©呈現(xiàn)平穩上(shàng)升态勢，與之相(xiàng)對(d÷&uì)應，保險公司PC官網業(yè)務明(míng)顯萎縮，移動端渠道(dàπ≠$♦o)中，APP業(yè)務增速下(xià)滑，微(wēi)信業(yè)務較快(kuài)上(¥∏$shàng)升。
中保協近(jìn)期披露的(de)數(shù↕←∞∏)據顯示，2018年(nián)第一(yī)季度，衆安保險、泰康在線、安心保險、易安保險4家(jiā)專業(yè)互聯網保險公司實現(xiàn)累計(jì)保費(f£≤èi)收入31.74億元，同比增長(cháng)86.38%；占比（占整體(tǐ)互聯網财險業(yè)務的(de)比重，下(xi'♣©à)同）為(wèi)21.96%，同比增長(cháng)6.54個(gè)百分(fēn)點。其他(tā)64家(jiā)保險機(jī)構包括平安産險、人(rén)保财險、太保産險等共實現(xiàn) β←&累計(jì)保費(fèi)收入112.82億元，占比78.04%。
此外(wài)，大(dà)型險企在互聯網保險領域的(de)優勢也(yπ¥ě)進一(yī)步凸顯。數(shù)據顯示，2018年(nián)第一(yī)季度，互聯網保險保費(fèi)規模位居前八位的(d&±×e)公司累計(jì)保費(fèi)收入105.43億元。其中，保費(fèi)規模位居前三位的(de)為(wèi)平安産險、衆安保險®βπ和(hé)人(rén)保财險，累計(jì)保費(fèi)收入為(wèi)77.93億元，市(shì)場(chǎng)占有(yǒu)₩"ε¥率為(wèi)53.91%，較2017年(nián)提高(gāo)3.55個(gè)百分(fēn)點。
持續加大(dà)科(kē)技(jì)投入
中保協相(xiàng)關負責人(rén)此前表示¶δ♦λ，在互聯網對(duì)社會(huì)的(de)滲透≠₽¥持續推進、不(bù)斷深入的(de)背景下(xi>✘à)，保險公司應充分(fēn)展現(xiàn)互聯網保險的(de)核心價值，通(tōng)過打造完β∑ε整的(de)服務閉環，提升服務效率，為(wèi)客戶創造更大(dà)價值，使其成為(∏∞✔✔wèi)商業(yè)模式優化(huà)的(de↕®δ)路(lù)徑選擇。
而從(cóng)目前互聯保險公司在科(kē)技(jì)研發方面的(de)♣♥π投入方面來(lái)看(kàn)，各險企也(yě)是(shì)持續加大(dà)對(du¥ ®ì)保險科(kē)技(jì)的(de)投入，以降低(dī)成本，增加保費(fè ¥βi)收入。
數(shù)據顯示，2017年(nián)，衆安在線在科(kē)技(j•£•±ì)方面的(de)研發投入高(gāo)達5.181億元，占公司總保費(fèi)的(de)8.7%，其中保險闆塊研發投入為(wèi)3.871億元。衆安在線的(de)工(gōng)程師(shī)和(hé)技(jì)術←π(shù)人(rén)員(yuán)占公司總數(shù)超過50%；開(kāi)業(yè)至今已基本完成了(le)在人(rén)工(gōng)智能(néng)、物✘≈• (wù)聯網、區(qū)塊鏈、雲計(jì)算(suàn)、大(dà)數(©¶€shù)據等七大(dà)技(jì)術(shù)闆塊的(de)布局，産業(≈yè)生(shēng)态覆蓋保險、銀(yín)行(xíng)、消費(fèi)金★§(jīn)融、互聯網金(jīn)融等多(duō)個≥π£(gè)應用(yòng)領域。
值得(de)關注的(de)是(shì)，超前的(de)₹≤¥技(jì)術(shù)投入正在不(bù)斷轉化(huà)為(wèi)可(kě)觀的(de✔$↔)市(shì)場(chǎng)回報(bào)。2017年(nián)，衆安在線在健康、消費(fèi)金(jīn)融和(hé)汽♣σ≥€車(chē)三大(dà)新興生(shēn£•g)态領域均實現(xiàn)較大(dà)進步，成為(♠ ↕wèi)衆安在線總體(tǐ)業(yè)務規模上(shàng)升的(de)新引擎。♣₽
從(cóng)泰康在線對(duì)科(kē)技(j→☆∑ì)的(de)布局來(lái)看(kàn)，《證γ¥券日(rì)報(bào)》記者了(le)解到(dào)，目前泰康在線自(zì)主研發的(de)σφ✘泰康在線車(chē)險财務機(jī)器(qì)人(rén)、泰康集團财 •£務共享機(jī)器(qì)人(rén)兩大(dà)财務機(jī)器(qì)人(rén)已成功運π 用(yòng)。以泰康在線車(chē)險财務機(jī)器(qì)人(r×σén)為(wèi)例，以前需要(yào)1個(gè)人(rén)忙8個(gè)小(xiǎo)時(shí)的(de)活，機(jī)器(qì)人( →rén)十幾分(fēn)鐘(zhōng)就(jiù)完成了(le)。泰康在線通(tōng)過對₹↓₩←(duì)保險核心系統進行(xíng)升級， 2小(xiǎo)時(shí)可(kě)處理(lǐ)完5000萬+的(de)海(hǎi)量保單。
泰康在線**技(jì)術(shù)官潘高(gāo)峰對(duì)《證券日(rì)≠☆<報(bào)》記者表示，保險産業(yè)全面走向互聯®Ω網化(huà)的(de)一(yī)個(gè)突∑← 出表現(xiàn)，就(jiù)是(shì)對(d×∏uì)技(jì)術(shù)的(de)依賴。國(guó)內(nèi)現(xiàn)→≈λα有(yǒu)的(de)保險體(tǐ)系已經從(cóng)銷售、營銷、渠™"π道(dào)、供應鏈甚至到(dào)産品設計(jì)思路(lù)都(dōu)開(k¶™āi)始了(le)全面的(de)科(kē)技(jì)賦能(néng ↔€>)。
中保協相(xiàng)關負責人(rén)表示，保險公司面對(✘€σduì)制(zhì)度變革，如(rú)何改變經營思路(lù)，如(rú)何在産品創新、營銷推廣等方♦↓✘面利用(yòng)好(hǎo)互聯網和(hé)新技(jì)術(shù)的(de)優勢，∞"♣↕打造更便捷實惠的(de)互聯網車(chē)險産品，是→ (shì)行(xíng)業(yè)創新發展所面臨的(de)>•重要(yào)挑戰。（轉載自(zì)央廣網）
From :businessinsuranceU.S. commerciφ₽≥al property/casualty raγ §tes rose 5% on average in the f☆"εourth quarter of 2019, up f& rom 4% in the third quarter, rΩπeflecting insurers’ ¶§$intent to continue to increase prices acroΩλφ₹ss most lines, online insurance exchange MarketS™£cout Corp. said Monday.“Auto rat✔$ e increases have been up all δ&★"year long; however D&∑§amp;O (directors & officer←<₽s) and professional rate increases have spiked ¥±×¶significantly in the fourth quarter©↔,” Richard Kerr, CEO of Marke™↕←tScout Corp. said in a statement.Insurers are φ→≈carefully analyzing their ¶ βproperty exposures using catastrophe modeling↑÷ tools, he said. “We expect many of the major proβperty catastrophe insurers to cur♦×Ωtail their 2020 writiγ↔€∏ngs in California brush and East and ±♣✔Gulf Coast wind areas. Naturally, thi≥ 'πs will result in higherγ$ rates to insureds,” Mr. Ke→α♦rr said.D&O liability §★rates increased by 8.∑β≠ 25%, while commercial auto increased 8% in t↕σ₽he quarter, and professional l←₩¥iability rates were up 6%, and umbrella/e£↓✔xcess rates were up 5.5%, acδ∞cording to MarketScout.Commer→←cial property rates increased •σ¥5.25% in the quarter, and business interrupti₽σαon rates were up 5%, while all other lines sho×≠☆✘wed smaller increases, except for workers compe&$nsation, where rates fell 1%, MarketSco✔✘≠ut said.By industry φσ¶§class, transportation an"€d habitational saw the highes≤<t average rate increases at 9% and 8.25% r♠★σ≠espectively, MarketScout said.Large accoλ ✔unts – those with $250,001 to $1 millio>$n in premium – saw a rate hike of 5.5% in the fo→€$urth quarter, as did j←↓∑δumbo accounts, which have more than $1 mill¶←↓ion in premium. Small accounts ≤– those with up to $25,000 in premium – "₽σwere up 5%, while medium accounts – t↑♠≤✔hose with $25,001 to $2®≠α♠50,000 in premium – were ↔>¥ up 4.5%.The “steady trend” ★"↑←of upward rates reflects iεnsurers’ plans to continue increasing prices∞ across all lines except for workers compensatβ™®ion, MarketScout said.Organizer：China I↕↑nsurance Digital & AI Development 2020Web:↔★http://en.zenseegroup.com/p/560573/Conta←ct:Ann 021-65650305
From :insurancejournalIt was βa relatively quiet year for the South©φ east in terms of major c↔♦atastrophes compared with 2018 when ↕®∑©Hurricane’s Michael ♣α≥"and Florence caused major damage in the region. ¥☆This year, Hurricane Dorian sideswiped the ←•λ Southeast coast ✔©$πand made landfall on the Outer Baε↑≤nks of North Carolina but mos≤↓t of the area was spared. S∏✘till, Aon said economic damage in the€ U.S. and Canada was poised to apγ☆proach a combined $1.5 billio✔'σn.Florida spent the year recovering from Hε ÷λurricane Michael, which&nb≈♠✘sp;was upgraded to a Category 5 stor©σm by NOAA in April. Florida officials ha←α₽ve repeatedly called on theβ↕÷§ insurance industry t§₹εo speed up the recovery process, $↔✘with nearly 12% of claims still open a year afterπ↔₽Ω the storm hit.Organizer：China ↑♥Insurance Digital &↔↑✔; AI Development 2020Web:http:€©>//en.zenseegroup.com/p/560573/Contac↑¶t:Ann 021-65650305
From:businessinsuranceei↔δλnsurance renewals at ∑£₽>Jan. 1, 2020, mainly saw single-di§φgit increases, with some exception≈'"s, according to reports by reinsurance brokers reΩ±εleased Thursday.Willis Re∏≈φ, the reinsurance brokeraλεge of Willis Towers Watson PL™÷€±C, and Guy Carpenter & Co. LLC, a unit→≤≤∑ of Marsh & McLe✔>→<nnan Cos. Inc. both rep∑≈ ♦orted that year-end reinsurance renewa₩'≤ls varied by account and reβλ£gion, but the retrocessional reinsur₩>δance was under pressure.Rates on line fφ or property catastrophe reinsurance programs re←÷mained stable and property per risk prπ∞≤icing was driven by individual program πγperformance, the Willis λ<α report said.Although some Lloyπλd’s of London syndicates took firm posi¥↓∏tions on rate increases and ∑γthe London market authorized <"π×capacity decreased, that capactiy was rep♦"•laced by new capital and a strong supply f ♥→rom other markets, Willis Re said.U✔✘×.S. loss-free accounts renewed at flat to up¶¶♣ 10% while those with losse★×s saw increases of 10% to 50%, the ₩σβWillis Re report said, whi≥↓ch was among the larg≠≠α∞est increases. Property catastr✘>ophe accounts without lo± sses renewed at flat to up •≥γ5%, while loss hit accounts were up 10% to₩β ₹ 20%, Willis Re said.According to the Guy Car ₩penter report, the broφβkerage’s global property catas÷βtrophe rate on line index rose 5% in 2019.A♠✔ccording to the Willis Re rep♥™ort, other large increases were seen i∏'♦n Central and Eastern Europe, where property prσ'ograms with losses saw increases of 5% to •≥♥20%, and Canada, wherε"•e such accounts renewed up 10% to 40%Ω♠•.Most other regions and countries§λ↑≥ saw property increases in the s₽βingle or low double digits, the report saidσ ©.The Jan. 1 renewals saw some “diffi∞♥∞cult” negotiations, accord✘λ©ing to a letter in the repo£∑δ≥rt from James Kent, global CEO, ε≈Willis Re.The Guy Carpent£₽δer report said the reinsurance market was “a↔symmetrical,” adding “this is certai✔"↕←nly not a one-size-fits-all mar☆≥ket” and while overall capacity remΩ±¶®ained adequate, “allo> cated capacity tightened notably✔≥< in stressed classes.”Dedicated reinsura ∑λ₽nce capital rose 2% in 2019 and ®∞the year saw approximat✘§ely $60 billion in globa↕↕l insured catastrophe losse¥™ s, according to Guy Carpenter↔¶>, which was significantly lower than 2017 and 20€<18.Alternative capital, however, contracted by ap•→™™proximately 7% percent δ✔“as investors were more cautious with new inveγstments after assessing market dynamics and pr ★icing adequacy,” Guy Carp±¥enter said.The retrocession market “w"δas challenged … by trapped capital, a←•ε lack of new capital and continued redemptions♥∏ from third-party capital providers,™←” a statement issued with t$♥he Guy Carpenter report said.Ho♣'wever, significant re>←↑$trocession providers retu"£φrned to the market in the past two weeks,↕ ÷ Willis Re said.Organizer：China®←¥ Insurance Digital & AI Developmen™δt 2020Web:http://en.zenseegro♣©£♦up.com/p/560573/Contact:Ann 021-656503∞γ↕05
Major information technology companies i↑'≤&n India are running the risk of termina÷α✔tion of their $1 billion contracts♦≈₩♥ following Boeing Co®§γ±.’s decision to halt the productio™α$£n of its 737 Max jets, MoneyControl reported Ω∑'citing the Business Standard. C✔∑ompanies like Tata Consultancyεφ Services Ltd., Infosys Ltd., HCL Technologies Lt £♠d., Cyient Ltd. and L&T Technology Servic ××es Ltd. have outsourcing contracts w ∏ith Boeing or its suppliers and Boeing’s j☆≥©Ωet crisis is expected to affect these IT compa★σnies in the short run.From:businessins≤₽↑uranceOrganizer：China Insurance Diφ✘×gital & AI Development 2020Web:httδε<p://en.zenseegroup.com/p/560573/Con ₽®tact:Ann 021-65650305
France-based eyewear maker Es$σ€silor International S.A♣®α. has discovered fraudulent a♣•®¶ctivities at one of its factories i≤↑←n Thailand that could cause €190 million ($÷→213 million) in financial §"™losses to the company, The Irish Times£λ reported citing Reuters. The com pany has filed complaints in Thailand an&πσd has fired all the in↓₹volved employees. It hopes to recover the÷÷ losses from frozen bank accounts, Ω insurance and lawsuits.₩★♥Organizer：China Insura₹¶★nce Digital & AI Development 2020Web:http:€£♠//en.zenseegroup.com/p/5≠↓≥✔60573/Contact:Ann 021-65650305
