新京報訊（記者 陳鵬）12月8日(rì)，在由中國互聯網金融協會等舉辦的第二屆中國互聯網金融論壇上，全國政協常委、原保監會副主席李克穆表示，互聯網保險和傳統保險都(dōu)必須把發揮保障功能放(fàng)在首位，即保險業姓保。保險業的首要功能是保障，不是其他(tā)。
李克穆闡述了保險與科(kē)技融合的現狀。“科(kē)技助力保險業提升服務水準，推進普惠金融的進程。”李克穆解釋說(shuō)，近年(nián)來(lái)，随着保險科(kē)技的快(kuài)速發展和應用，保險業的服務水準得(de)以提升。據報道，2017年(nián)，全國互聯網保險新增保單占保險業整體(tǐ)新增保單的比重相(xiàng)當高。這雖然隻是保單數，但(dàn)也在一定程度上顯示了互聯網保險的服務形式與保險需求相(xiàng)适應。科(kē)技的應用有效提升了保險的覆蓋率，增進了消費者的保險意識。在科(kē)技助力之下，互聯網保險拓展了保險業全新的增長模式和空間，對提升普惠金融水平發揮了重要作用。
“互聯網保險不是簡單的渠道互聯網化，而是通過嶄新的科(kē)技手段，促使日(rì)新月異的互聯網技術(shù)與行業發展全流程融合，産生發展的新動能。例如(rú)，借助大(dà)數據和雲計(jì)算技術(shù)，保險業開創了以人(rén)工(gōng)智能爲先導的創新技術(shù)，爲保險業提供了一系列新産品。在優化客戶服務的同時，釋放(fàng)了更多保險需求。”李克穆說(shuō)道。
與此同時，科(kē)技助推産品研發，不斷強化保障功能。李克穆表示，“互聯網保險和傳統保險都(dōu)必須把發揮保障功能放(fàng)在首位，即保險業姓保。保險業的首要功能是保障，不是其他(tā)。随着我國社會經濟的若幹領域向數字化、網絡化、智能化發展，中國正在逐步向數字經濟時代過渡。在這一進程中，保險業創新場景不斷湧現，正在催生出能夠更充分(fēn)地體(tǐ)現保障功能的保險産品。”
此外，他(tā)還(hái)強調，我們也需要注意到保險科(kē)技可(kě)能帶來(lái)風(fēng)險多樣化和複雜化的挑戰。一方面，保險科(kē)技從(cóng)産品研發、定價、銷售到理(lǐ)賠與反欺詐都(dōu)離(lí)不開一系列現代科(kē)技的支撐。另一方面，随着科(kē)技的創新和應用，新業态、新産品往往伴随着風(fēng)險管控難度的大(dà)幅提升。互聯網保險的實踐說(shuō)明健全**的監管是市場健康有序發展的重要前提。“還(hái)是那句老話(huà)，要不斷加強和完善監管，守住不發生系統性風(fēng)險的底線，維護金融市場的穩定。這一理(lǐ)念必須長存。”
From :businessinsuranceU.S. commercial property/casualty rates rose 5% on average in the fourth quarter of 2019, up from 4% in the third quarter, reflecting insurers’ intent to continue to increase prices across most lines, online insurance exchange MarketScout Corp. said Monday.“Auto rate increases have been up all year long; however D&O (directors & officers) and professional rate increases have spiked significantly in the fourth quarter,” Richard Kerr, CEO of MarketScout Corp. said in a statement.Insurers are carefully analyzing their property exposures using catastrophe modeling tools, he said. “We expect many of the major property catastrophe insurers to curtail their 2020 writings in California brush and East and Gulf Coast wind areas. Naturally, this will result in higher rates to insureds,” Mr. Kerr said.D&O liability rates increased by 8.25%, while commercial auto increased 8% in the quarter, and professional liability rates were up 6%, and umbrella/excess rates were up 5.5%, according to MarketScout.Commercial property rates increased 5.25% in the quarter, and business interruption rates were up 5%, while all other lines showed smaller increases, except for workers compensation, where rates fell 1%, MarketScout said.By industry class, transportation and habitational saw the highest average rate increases at 9% and 8.25% respectively, MarketScout said.Large accounts – those with $250,001 to $1 million in premium – saw a rate hike of 5.5% in the fourth quarter, as did jumbo accounts, which have more than $1 million in premium. Small accounts – those with up to $25,000 in premium – were up 5%, while medium accounts – those with $25,001 to $250,000 in premium – were up 4.5%.The “steady trend” of upward rates reflects insurers’ plans to continue increasing prices across all lines except for workers compensation, MarketScout said.Organizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
From :insurancejournalIt was a relatively quiet year for the Southeast in terms of major catastrophes compared with 2018 when Hurricane’s Michael and Florence caused major damage in the region. This year, Hurricane Dorian sideswiped the Southeast coast and made landfall on the Outer Banks of North Carolina but most of the area was spared. Still, Aon said economic damage in the U.S. and Canada was poised to approach a combined $1.5 billion.Florida spent the year recovering from Hurricane Michael, which was upgraded to a Category 5 storm by NOAA in April. Florida officials have repeatedly called on the insurance industry to speed up the recovery process, with nearly 12% of claims still open a year after the storm hit.Organizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
From:businessinsuranceeinsurance renewals at Jan. 1, 2020, mainly saw single-digit increases, with some exceptions, according to reports by reinsurance brokers released Thursday.Willis Re, the reinsurance brokerage of Willis Towers Watson PLC, and Guy Carpenter & Co. LLC, a unit of Marsh & McLennan Cos. Inc. both reported that year-end reinsurance renewals varied by account and region, but the retrocessional reinsurance was under pressure.Rates on line for property catastrophe reinsurance programs remained stable and property per risk pricing was driven by individual program performance, the Willis report said.Although some Lloyd’s of London syndicates took firm positions on rate increases and the London market authorized capacity decreased, that capactiy was replaced by new capital and a strong supply from other markets, Willis Re said.U.S. loss-free accounts renewed at flat to up 10% while those with losses saw increases of 10% to 50%, the Willis Re report said, which was among the largest increases. Property catastrophe accounts without losses renewed at flat to up 5%, while loss hit accounts were up 10% to 20%, Willis Re said.According to the Guy Carpenter report, the brokerage’s global property catastrophe rate on line index rose 5% in 2019.According to the Willis Re report, other large increases were seen in Central and Eastern Europe, where property programs with losses saw increases of 5% to 20%, and Canada, where such accounts renewed up 10% to 40%.Most other regions and countries saw property increases in the single or low double digits, the report said.The Jan. 1 renewals saw some “difficult” negotiations, according to a letter in the report from James Kent, global CEO, Willis Re.The Guy Carpenter report said the reinsurance market was “asymmetrical,” adding “this is certainly not a one-size-fits-all market” and while overall capacity remained adequate, “allocated capacity tightened notably in stressed classes.”Dedicated reinsurance capital rose 2% in 2019 and the year saw approximately $60 billion in global insured catastrophe losses, according to Guy Carpenter, which was significantly lower than 2017 and 2018.Alternative capital, however, contracted by approximately 7% percent “as investors were more cautious with new investments after assessing market dynamics and pricing adequacy,” Guy Carpenter said.The retrocession market “was challenged … by trapped capital, a lack of new capital and continued redemptions from third-party capital providers,” a statement issued with the Guy Carpenter report said.However, significant retrocession providers returned to the market in the past two weeks, Willis Re said.Organizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
Major information technology companies in India are running the risk of termination of their $1 billion contracts following Boeing Co.’s decision to halt the production of its 737 Max jets, MoneyControl reported citing the Business Standard. Companies like Tata Consultancy Services Ltd., Infosys Ltd., HCL Technologies Ltd., Cyient Ltd. and L&T Technology Services Ltd. have outsourcing contracts with Boeing or its suppliers and Boeing’s jet crisis is expected to affect these IT companies in the short run.From:businessinsuranceOrganizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
France-based eyewear maker Essilor International S.A. has discovered fraudulent activities at one of its factories in Thailand that could cause €190 million ($213 million) in financial losses to the company, The Irish Times reported citing Reuters. The company has filed complaints in Thailand and has fired all the involved employees. It hopes to recover the losses from frozen bank accounts, insurance and lawsuits.Organizer：China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
