- Home
- News
- Company news
- 保險姓“保”，政策護航
10月(yuè)16日(rì)消息，2015年(nián)開(kāi)始實施，有(yǒu)效∑λ✔期為(wèi)三年(nián)的(de)《互聯網保險業(yè)務監管暫行(xíng)β§♣辦法》(以下(xià)簡稱《暫行(xín₽₩g)辦法》)已于今年(nián)10月(yuè)1日(rì)到(dào)期。銀(yín&β•✘)保監會(huì)官網日(rì)前發布通(tōnσ↓★>g)知(zhī)稱，正在加快(kuài)《暫行(xín₹g)辦法》的(de)修訂工(gōng)作(zuò)，在新規出台之前，《暫行£'↔(xíng)辦法》繼續生(shēng)效。
據《電(diàn)商報(bào)》了(le)解，在此之前，銀(yín)保監會(huì)已向業©π(yè)內(nèi)下(xià)發《關于繼續加強互聯網保險監管有(yǒu)φ∞α$關事(shì)項的(de)通(tōng)知(zhī)》££(以下(xià)簡稱《通(tōng)知(zhī)》)。《通(tōng)知(zhī)》明(míng₹✔•)确要(yào)求，保險公司需加強産品創新能(néng)力、風(fēng)險管控能(n✔φ≥£éng)力、客戶服務能(néng)力建設，強化(huà)保險消費(₹≥ε¥fèi)者合法權益保護，确保互聯網保險業(yè)務合規經營；銀(yín)保監會(h♦∏uì)将繼續提升監管能(néng)力，促進互聯網保險經營機(jī)構提高(g'∑φ♥āo)服務水(shuǐ)平。
過去(qù)幾年(nián)，中國(guó)互聯網保♦♦✘&險業(yè)務快(kuài)速發展，保費(fèi)規模實現(xiàn)大(dà♥ ≈δ)幅增長(cháng)。有(yǒu)數(shù)據顯示，互聯網保費(fèi)收入2012年(niá δ×n)和(hé)2013年(nián)分(fēn×<)别為(wèi)110.7億元、318.4億元，2014年(nián)達到(dào)858.9≥☆₹λ億元，2015和(hé)2016年(nián)，保費(fè€i)收入分(fēn)别達到(dào)2234億元、2347億元。2017年(nián)↓™∞£，由于保險行(xíng)業(yè)整體(tǐ)保費(fèi)下(xià)δ→λ§滑，互聯網保費(fèi)同比下(xià)降21.83&&₹%，下(xià)滑至1835億元。
實際上(shàng)，中國(guó)互聯網保險起步很(hěn)早，引爆市(sδ≤'hì)場(chǎng)的(de)一(yī)個(gè)标志×'≤ (zhì)性事(shì)件(jiàn)是(shì)，201↔★2年(nián)12月(yuè)國(guó)華人¶★™ (rén)壽通(tōng)過淘寶聚劃算(su¥α₽àn)平台借助萬能(néng)險産品創造了(l$₩£εe)三天一(yī)億元的(de)銷售神話(huà)。
2013年(nián)，****家(jiā)互聯網保險公司衆安在線财産Ω∏γ保險獲得(de)原保監會(huì)批準成立，此後中國(guó)©>互聯網保險進入高(gāo)速發展階段，互聯網保險的(de)保費(fèi£® )幾乎每年(nián)上(shàng)一(Ω® yī)個(gè)台階。
2015年(nián)以來(lái)，随著(zhe)互聯網保險驅動方發₩σ↓¶生(shēng)根本變化(huà)，一(yī)些(xiē)新的(de)問(wèn)題和(hé)↕¶風(fēng)險趨勢有(yǒu)所冒頭，對(duì)現(xiàn)γ♦"有(yǒu)的(de)監管制(zhì)度和(hé)監管環境提出了(le)挑±≥γ®戰。
如(rú)第三方網絡平台數(shù)量巨大(dà)，新媒體(tǐ)、新>&∏技(jì)術(shù)參與程度較高(gāo)，對(du≤↔↕∑ì)保險業(yè)務手續費(fèi)、經營流程、•÷' 資金(jīn)收付等進行(xíng)深度掌控，通(tōng)過與保←✔""險公司的(de)業(yè)務合作(zuò)，間(jiān)接受保險監管部門(•≠mén)監管，不(bù)受保險監管部門(mén)直接或實質性監管。這(zhè)導緻保險監管規∑≤φ定的(de)信息披露要(yào)求、資金(jīn)收付要(yào)求、手續費(f∏∞→èi)支付要(yào)求等往往在業(yè)務實踐✔φ↓中難以得(de)到(dào)有(yǒu)效的(de)貫徹落實，帶來(lái)較大(dà•φ©₩)的(de)合規風(fēng)險。
某些(xiē)在線平台暗(àn)藏“搭售”，通(tōng)過§默認勾選的(de)方式銷售一(yī)些(xiē)保險ε ₽産品，未明(míng)确列明(míng)承保主體(tǐ)或代理(lǐ)銷售主體(tǐ)，未完ε♣©整披露保險産品條款等相(xiàng)關重要(β÷yào)信息，侵害了(le)消費(fèi)者的(de)知(zhī)情權、自☆÷'(zì)主選擇權等。據銀(yín)保監會(huδ ì)官網統計(jì)數(shù)據顯示，今年(niánש)9月(yuè)份共有(yǒu)8家(jiā' )平台被處罰，涉及的(de)處罰理(lǐ)由包括：編制(zhì)虛假資料；虛構保γπ€險代理(lǐ)業(yè)務、套取保險傭金(jīn)；♠®聘任不(bù)具有(yǒu)任職資格的(de)人(rén)員(yuán)；未按要(yào)求α≈×繳存保證金(jīn)；未按規定管理(lǐ)業(yè)務檔案；未λ✘按規定使用(yòng)銀(yín)行(xíng)賬戶收'≠取保險業(yè)務報(bào)酬等。
針對(duì)保險中介平台亂象，原保監會(huì)在《暫行(xíng)♣→$↕辦法》中曾對(duì)第三方平台的(de)業(yè)務邊σ♣界進行(xíng)了(le)明(míng)Ωλ∏ 确，旨在強化(huà)其參與互聯網保險業(yè)務的(de)行(xíng)為(wèi)約♥✔束。如(rú)保險中介平台可(kě)以為(wèi)保險機(jī)構開(kāi)展✔♦★互聯網業(yè)務提供輔助支持；若第三方網絡平台參與了(le)互聯網業(y£•è)務的(de)銷售、承保、理(lǐ)賠→♦等關鍵環節，則必須取得(de)相(xiàng)應的(de)≠ 保險業(yè)務經營資格。
但(dàn)是(shì)，互聯網保險中介平台本身(shēn)不(bù)受保險監∏∞✘管部門(mén)直接或實質性監管。這(zhè)導緻保險監管規定的(de)₹↑♦信息披露要(yào)求、資金(jīn)收付要(yào)求、手續費(fèi)支付要(₩<©yào)求等往往在業(yè)務實踐中難以得(de)到(dào)有(yǒu)效♣♥♣α的(de)貫徹落實，因而成為(wèi)違規操作(zuò)“重災區(qū)”。
實際上(shàng)，針對(duì)保險中介平台的(de)監管正φπ♠±在加碼。據《電(diàn)商報(bào)≈©♦》了(le)解，近(jìn)期保險中介平台申請(q∑™ǐng)網銷資質，都(dōu)需要(yào)寫承諾書(shū)，一(yī)是(s∏≥hì)已拿(ná)到(dào)全國(guó)性的(de)中介經營牌照(zhào)；二是(shì)↓≥一(yī)年(nián)內(nèi)沒有(yǒu)受到(dào)任何行(xí≤₹ng)政處罰。管中窺豹，未來(lái)的(de)監管趨勢可(kě)見(ji≤☆àn)一(yī)斑。
同時(shí)，自(zì)去(qù)年(β'←nián)年(nián)初開(kāi)始，螞蟻金(jīn)服、騰訊、百度均已陸續獲得(de)經營互®≈→聯網保險業(yè)務的(de)資質，宣布進軍保險中介領域。市(shì)場(ch≈≥ǎng)普遍認為(wèi)，BAT将襲卷整個(gè)互聯網↓₹保險市(shì)場(chǎng)，互聯網巨頭的(d®•e)入場(chǎng)将進一(yī)步促進保險中介平台的(de)規範升級。
總而言之，互聯網保險發展至今大(dà)緻經曆了(le)三個(gè)階段：1.0簡單渠道(dào♠§∏)階段、2.0場(chǎng)景階段和(hé)3.0生(shēng)态圈階段。但(←∞dàn)無論處在何種階段，互聯網業(yè)務都(dōu)高(gāo)度依賴流量∏β∏資源。而随著(zhe)市(shì)場(chǎngλ>✘₽)容量擴大(dà)，業(yè)務量張開(kāi)以及多(duō)渠道('♥"✔dào)的(de)延伸，從(cóng)監管政策層面看(kàn)，也(yě)日(rì)趨嚴謹，從•★₹₽(cóng)短(duǎn)期看(kàn)，互聯網保險監管升級會(huì)倒逼相(xiàng)'γ•¥關平台升級，中小(xiǎo)保險公司在目前♠✘♦↔互聯網保險環境下(xià)亦生(shēng)存艱難，♠π<☆但(dàn)從(cóng)長(cháng)遠(yuǎn)來₩ε(lái)看(kàn)，這(zhè)是(shì)國(guó)內(∞♥©αnèi)互聯網保險市(shì)場(chǎng)回歸保障，走向融合，不(bù)斷更新升級的±↓(de)一(yī)個(gè)時(shí)機(jī)，而且這(zhè)也(yě)是(shì)互聯網保>≈₽↔險業(yè)務經曆了(le)前期的(de)快(kuài)速增長(c♥≠háng)，目前進入結構性調整階段，行(xíng)業(yè)風(fēng)險₽δ£♠逐步顯現(xiàn)所不(bù)可(kě)繞過∏§<的(de)一(yī)個(gè)階段，相(xiৠng)信随著(zhe)市(shì)場(chǎng)監€®管進一(yī)步明(míng)确，各項政策法規陸續出台完善，互聯€₩ 網保險将在自(zì)己的(de)康莊大(← ✘dà)道(dào)上(shàng)越走越遠(yuǎnλ♠)。
From :businessinsuranceU.S. coπ™mmercial property/ca★←Ω≠sualty rates rose 5% on a♦∞verage in the fourth quarter of 2019←, up from 4% in the third qu×™arter, reflecting insurers’ intent to continue λβ∞to increase prices across most lines,→ online insurance exchan¥γ✘ge MarketScout Corp. said Monday.“Auto r₹ ate increases have been up all ¶•÷year long; however D&O (directors ±≠& officers) and professional rate increaseβ☆s have spiked significantly in the fourth quartδ ♥£er,” Richard Kerr, CΩ★★EO of MarketScout Corp. said π≤in a statement.Insurers are carefully analyzing✘' their property exposures using catastrophe moσε $deling tools, he said. ™βγ“We expect many of the major property catastrop£±σhe insurers to curta♣₩φ¥il their 2020 writing§s in California brush and East a☆∏nd Gulf Coast wind areas. Naturally, this w↑₽ ill result in higher r∑✘ates to insureds,” Mr. Kerr said.D&O liab✘☆™♦ility rates increased by 8.25%, whε♦≈♣ile commercial auto incr ≥↔eased 8% in the quarter, and pr★•αofessional liability r§♣ates were up 6%, and umbrella/ex♣ γ★cess rates were up 5.5%, accord≥✘ing to MarketScout.Commercial pro$perty rates increased 5.25% in the quarter,↑€ and business interruption rates→&₩ were up 5%, while all other lines showed smal↕←↓ler increases, except for workers compensΩ↕ation, where rates fell 1%, MarketScout sai←βd.By industry class, ←∏ transportation and ha£©≥'bitational saw the highest &"average rate increases at 9% and 8.25% res≤¥₹₹pectively, MarketScout>γ¥ said.Large accounts – those wiε¥th $250,001 to $1 millio"•®'n in premium – saw a rate hike of 5.5% in th≤"e fourth quarter, as♦←£≤ did jumbo accounts, which have more than©✘ $1 million in premium. Smal €☆σl accounts – those with upΩδ to $25,000 in premium – were up 5%, $•♠while medium accounts – those with $σ♣25,001 to $250,000 in premium – were up ≠φ$¥4.5%.The “steady trend” of up×☆ ↑ward rates reflects insurer✘'€÷s’ plans to continue increasing prices ac✔ross all lines except for workers cε≠ompensation, MarketScout said.Organizer：σ↔πChina Insurance Digital & AI¶₩★π Development 2020Web:http://en.zenseegroup.com/p/♥→®δ560573/Contact:Ann 021-65650305®€₽
From :insurancejournalIt was a relatiπ÷"vely quiet year for the Southeast in terms ofφ✘ε major catastrophes comδ©≤♥pared with 2018 when Hurrica∏γ↓ne’s Michael and Florenc™∞e caused major damage in the region. Th<is year, Hurricane Dorian sideswipedα' the Southeast coast and←×≈ made landfall on the Outer Banks of North Caro$εlina but most of the area φ¥ was spared. Still, Aon said economic damaσ ≤ge in the U.S. and Canada was poi≤↕¥γsed to approach a combined $1.5 ₹σ¶αbillion.Florida spent the year r÷→☆≤ecovering from Hurricane Michael, which&nbs≥±✔p;was upgraded to a Category 5 storm by NOAA in φβApril. Florida officials have₹∑★σ repeatedly called o₹♣★n the insurance industr≤£☆♣y to speed up the rec✔®overy process, with nearly 12% of claims still♣♠> open a year after the storm hit.Organizer：C•>∏∑hina Insurance Digital & AI De©δvelopment 2020Web:http://en.zenseegroup.com/p/560 ✔573/Contact:Ann 021-656503'↓05
From:businessinsuranceeinsurance renewals at ←±$±Jan. 1, 2020, mainly saw single-digit i< €ncreases, with some exceptions,→ε₽ according to reports by reinsurance bασ₽↓rokers released Thursday.Willis Re, the reins♣♠≤>urance brokerage of Willis Towers Watson PLC, ↕™αβand Guy Carpenter & Co. LLC, a ↔±∑unit of Marsh & McLennan Cos. Inc.Ω<♥ both reported that year-end reinsurance r↔πenewals varied by account ≥∑ and region, but the r$δ→etrocessional reinsurance was ®σ§under pressure.Rates on line f ↕↑or property catastrophδ £e reinsurance programs ∑→✘remained stable and pβσ₹roperty per risk pricing was ★↓driven by individual program↓> performance, the Will≠∞is report said.Although some Lloyd’s of L£∞∏>ondon syndicates took firm positions on rγ¥ ®ate increases and the London market auαΩ∑↓thorized capacity decrease&ε<d, that capactiy was replaced by n>¥ew capital and a strong supply from other markβ®→ets, Willis Re said.U.S. loss-free accounts re♠≤≈®newed at flat to up 10% wh♥↑ile those with losses saw increases of 10% to 50%λ<₽≈, the Willis Re report said, which was amon₽✔©g the largest increases. Property ca↓✘ ∞tastrophe accounts without losses renewed™< ♠ at flat to up 5%, while loss hit &δ€"accounts were up 10% to 20%, Willis ₹<™"Re said.According to the Guy Carpente&☆₹r report, the brokerage’s global property catast↕₹rophe rate on line index rose 5% in☆ 2019.According to the Willis Re report∑≤, other large increases w→γ♣ere seen in Central and Eastγ×₽ern Europe, where property programs with losseβ≤π∏s saw increases of 5% to 20%,≥展 and Canada, where such accounts renewed up∞♥± 10% to 40%.Most other↕λ♥ regions and countries saw propert•≤y increases in the single or γ≤low double digits, the report said.The σπ≈Jan. 1 renewals saw some “difficult” negoti®↕€≥ations, according to δ↔φ a letter in the report from JameΩ€s Kent, global CEO, Willis →☆₽≥Re.The Guy Carpenter report sa↕id the reinsurance market was “asymπα♣metrical,” adding “this is certainly not a•→ one-size-fits-all market” and while overall capa¥☆γcity remained adequate, “allocat↕§ ed capacity tightened notably in stressed class ₹β es.”Dedicated reinsurance capital rose 2% in 2÷019 and the year saw approximately $60 billi↓< on in global insured catastrophe l♣✘±¥osses, according to Guy¥÷ Carpenter, which was significan♦↔©tly lower than 2017 and 2018.Alternative cap™≠←ital, however, contracted by approximately 7% p±♦ercent “as investors were more cautious wi♣★¶•th new investments after assess ↕≠ing market dynamics and pricing adeqαΩλ↓uacy,” Guy Carpenter said.The retrocession ma$Ω✘₽rket “was challenged … by ¶ trapped capital, a lack of new ₩≤capital and continued redemptions from third-part∑₹y capital providers,” a st•©atement issued with the Guy Carpenter rep₽ort said.However, significant retrocesπ±sion providers returned to the market ≤↕in the past two weeks, Willis Re said.Organize∞γ≤♣r：China Insurance Digiφ¥Ωtal & AI Development 2020Web:http://en.zense↔™≠egroup.com/p/560573/Contact:Ann 021-6↔σ←5650305
Major information technology companies in Indi←'¶a are running the ri ←sk of termination of their $1 billion contrac∞ &ts following Boeing Co.’♣∞s decision to halt the production of it§§ s 737 Max jets, MoneyControl reported cα'§iting the Business Standard. Co ™∞mpanies like Tata Consulta ncy Services Ltd., Infosys Ltd., HCL Tec₽≥↑hnologies Ltd., Cyient÷π Ltd. and L&T Technology Serv↑×✘ices Ltd. have outsourcing contracts with∑₹ Boeing or its suppliers and B→$ oeing’s jet crisis is expected to affect these IT compaπ¶<nies in the short run.From:businessinsurα₹βεanceOrganizer：China Insurance Digit→'al & AI Development 2020Web:http://en.zens↓γ'eegroup.com/p/560573/Contact↑→:Ann 021-65650305
France-based eyewear maker Esσ→σsilor International ×♣S.A. has discovered fraudulent activit¥≥ies at one of its factories in Thailand that π≥₽ could cause €190 million ($213 milli≠ ♥on) in financial los¶≥™ses to the company, The Irish Times reported"±÷ citing Reuters. The comp&any has filed complaints in Thailand and has f ε≠ired all the involved eδσmployees. It hopes to recover the losses f>∞ ≈rom frozen bank accounts, insurance and lawsu™φ∏÷its.Organizer：China Insurance Digital & A$§φ™I Development 2020Web¥α:http://en.zenseegroup.com/p/560573/Contact:A∞ nn 021-65650305
