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馬化騰公開緻信合作夥伴：騰訊立志成爲移動互聯網“連接器”
11月1日(rì)，騰訊将在南(nán)京舉辦2018騰訊全球合作夥伴大(dà)會。在開幕前夕，騰訊董事(shì)會主席兼**執行官馬化騰發表了《給合作夥伴的一封信》，向合作夥伴分(fēn)享了關于消費互聯網與産業互聯網生态融合、社交與内容生态創新的思考，并提出了騰訊在移動互聯網下半場的開放(fàng)戰略新目标。
他(tā)認爲，伴随數字化進程，移動互聯網的主戰場，正在從(cóng)上半場的消費互聯網，向下半場的産業互聯網方向發展。要讓個人(rén)用戶獲得(de)更好的産品與服務，就(jiù)必須讓互聯網與各行各業深度融合。騰訊也非常願意成爲各行各業*好的“數字化助手”，以“去(qù)中心化”的方式幫助傳統企業和公共服務機(jī)構實現數字化轉型升級，
未來(lái)與企業和政府等機(jī)構客戶的合作中，騰訊的業務接口将更加集中，合作規則更加清晰，資源能力更形成合力。騰訊将更充分(fēn)地發揮數字化服務潛能和差異化優勢：不但(dàn)要能夠提供基礎工(gōng)具和能力的“食材”；還(hái)要能快(kuài)速響應個性化需求，将不同食材搭配起來(lái)“炒菜”；更要提供一整套的“宴席”——多樣化、系統化、安全可(kě)控的商業解決方案（BaaS, 即Business as a Service）。
此外，馬化騰也表示，騰訊也将進一步打造年(nián)輕人(rén)喜歡的社交平台與内容生态，與數字内容領域的合作夥伴建立更加緊密的新生态；借助“社交×内容”的網絡效應，通過新文創的方式讓更多用戶和年(nián)輕人(rén)，獲得(de)高品質的數字内容消費體(tǐ)驗，并以*先進的技術(shù)手段保護好未成年(nián)人(rén)，避免不健康的消費沉迷。
在移動互聯網下半場，騰訊開放(fàng)戰略也将樹(shù)立新目标。馬化騰表示，騰訊要做好“連接器”，爲各行各業進入“數字世界”提供*豐富的“數字接口”；還(hái)要做好“工(gōng)具箱”，提供*完備的“數字工(gōng)具”；更要做好“生态共建者”，提供雲計(jì)算、大(dà)數據和人(rén)工(gōng)智能等新型基礎設施，激發每個參與者進行數字創新，與各行各業合作夥伴一起共建“數字生态共同體(tǐ)”。
“騰訊并不是要到各行各業的跑道上去(qù)賽跑争**，而是要立足做好‘助手’，幫助實體(tǐ)産業在各自(zì)的賽道上成長出更多的世界**。”馬化騰表示。
以下爲公開信全文：
各位合作夥伴，大(dà)家好！
今年(nián)是騰訊成立20年(nián)周年(nián)。我們迎來(lái)了公司曆史上的第三次重大(dà)戰略升級和架構調整。這個消息已經在一個月前公布。在這裡(lǐ)，我想跟各位合作夥伴分(fēn)享更多的想法。
這次調整，我們經過了将近一年(nián)的思考和醞釀。騰訊自(zì)2012年(nián)以來(lái)組建的七大(dà)事(shì)業群，目前已經重組爲六大(dà)事(shì)業群。在保留原有的技術(shù)工(gōng)程事(shì)業群（TEG）、微信事(shì)業群（WXG）、互動娛樂事(shì)業群（IEG）、企業發展事(shì)業群（CDG）基礎上，我們整合成立了兩個新的事(shì)業群：雲與智慧産業事(shì)業群（CSIG）、平台與内容事(shì)業群（PCG）。同時，我們整合升級了新的廣告營銷服務線，并将成立騰訊技術(shù)委員(yuán)會。騰訊每隔六七年(nián)就(jiù)可(kě)能進行一次大(dà)的組織架構調整，以順應外界變化帶來(lái)的戰略升級。今天，我們兩個新成立的BG，分(fēn)别承擔着消費互聯網與産業互聯網生态融合、社交與内容生态創新的重要探索。
我們認爲，移動互聯網的上半場已經接近尾聲，下半場的序幕正在拉開。伴随數字化進程，移動互聯網的主戰場，正在從(cóng)上半場的消費互聯網，向下半場的産業互聯網方向發展。騰訊一直說(shuō)專注做連接，希望連接人(rén)與人(rén)、人(rén)與物以及人(rén)與服務。我們越來(lái)越發現，除了實現人(rén)與人(rén)的連接，如(rú)果大(dà)量的“物”與“服務”不能全面數字化升級，那麽“人(rén)與物、人(rén)與服務的連接”就(jiù)難以叠代。要讓個人(rén)用戶獲得(de)更好的産品與服務，我們必須讓互聯網與各行各業深度融合，把數字創新下沉到生産制造的核心地帶，将數字化推進到供應鏈的每一個環節。沒有産業互聯網支撐的消費互聯網，隻會是一個空中樓閣。
接下來(lái)，騰訊将紮根消費互聯網，擁抱産業互聯網。我們要繼續做好“消費端”的智慧連接，更要促成“供應端”與互聯網的深度融合，幫助各行各業實現數字化轉型升級。對于大(dà)量的傳統企業來(lái)說(shuō)，要盡快(kuài)打通從(cóng)生産制造到消費服務的價值鏈，要實現從(cóng)智慧零售到智能制造、從(cóng)消費到産業（C2B）的生态協同，就(jiù)不能僅僅滿足于一個完整的傳統産業鏈，未來(lái)更需要與互聯網公司進行跨界融合，真正觸達海量用戶，并實現硬件(jiàn)、軟件(jiàn)與服務三位一體(tǐ)的生态化能力。沒有消費互聯網助力的産業互聯網，就(jiù)像一條無法與大(dà)海連通的河流，可(kě)能在沙漠中日(rì)漸幹涸。
騰訊服務着數以十億計(jì)的個人(rén)用戶，具有連接國内*豐富場景和互聯網産品的生态服務能力，将緻力于消費互聯網與産業互聯網的融合創新。我們非常願意成爲各行各業*好的“數字化助手”，以“去(qù)中心化”的方式幫助傳統企業和公共服務機(jī)構實現數字化轉型升級，讓每一個産業都(dōu)變身(shēn)爲智慧産業，實現數字化、網絡化和智能化。
從(cóng)2011年(nián)起，騰訊的開放(fàng)戰略伴随着移動互聯網的高速發展而不斷演進。七年(nián)時間，我們從(cóng)“一棵大(dà)樹(shù)”成長爲“一片森林”，與合作夥伴共建了一個開放(fàng)的互聯網生态，可(kě)以說(shuō)，我們在移動互聯網上半場基本實現了開放(fàng)戰略的目标。接下來(lái)，我們要做好“連接器”，爲各行各業進入“數字世界”提供*豐富的“數字接口”；還(hái)要做好“工(gōng)具箱”，提供*完備的“數字工(gōng)具”；同時我們更要做好“生态共建者”，提供雲計(jì)算、大(dà)數據和人(rén)工(gōng)智能等新型基礎設施，激發每個參與者進行數字創新，與各行各業合作夥伴一起共建“數字生态共同體(tǐ)”。這是騰訊開放(fàng)戰略在移動互聯網下半場希望實現的新目标。
産業互聯網的探索，将爲我們與生态夥伴提供更廣闊的合作空間。我們希望，未來(lái)與企業和政府等機(jī)構客戶的合作中，騰訊的業務接口更加集中，合作規則更加清晰，資源能力更能形成合力。騰訊将把數字化服務的潛能和差異化優勢，更充分(fēn)地發揮出來(lái)：我們不但(dàn)能夠根據客戶的需要提供基礎工(gōng)具和能力作爲“食材”；還(hái)能夠快(kuài)速響應客戶的個性化需求，将不同食材搭配起來(lái)“炒菜”；更重要的是，我們還(hái)能夠提供一整套的“宴席”——多樣化、系統化、安全可(kě)控的商業解決方案（BaaS, 即Business as a Service）。這不單單能夠幫客戶節省成本、提**率，而且還(hái)能夠幫助客戶在數字化轉型升級過程中，找到新的商業模式和盈利增長點。目前我們已經在醫療、教育、交通、零售和制造業等領域進行初步嘗試。
與此同時，我們希望進一步打造年(nián)輕人(rén)喜歡的社交平台和内容生态，與數字内容領域的合作夥伴建立更加緊密的新生态。我們将借助“社交×内容”的網絡效應，讓UGC與PGC彼此滋養，形成*有活力的IP創生土(tǔ)壤。我們還(hái)希望與合作夥伴一起，幫助更多優秀的IP獲得(de)跨平台、多形态的發展機(jī)會，通過新文創的方式讓更多用戶和年(nián)輕人(rén)，獲得(de)高品質的數字内容消費體(tǐ)驗，并以*先進的技術(shù)手段保護好未成年(nián)人(rén)，避免不健康的消費沉迷。
我們将更加重視科(kē)技驅動力。幾天前，我受邀在知乎提問(wèn)，非常高興看(kàn)到很多網友針對基礎科(kē)學的突破、産業互聯網與消費互聯網的融合創新，做了相(xiàng)當精彩的回答。過去(qù)，中國互聯網與科(kē)技行業的創新，往往是“應用需求找技術(shù)支持”。未來(lái)，我相(xiàng)信會有越來(lái)越多創新來(lái)自(zì)“技術(shù)突破尋求産品落地”。騰訊正在不斷引入各領域的優秀科(kē)學家，也希望通過加大(dà)基礎科(kē)學投入、建立公司技術(shù)委員(yuán)會等措施，盡可(kě)能爲科(kē)研工(gōng)作者和技術(shù)人(rén)員(yuán)創造更好的工(gōng)作氛圍和團隊文化，真正讓“科(kē)技創新”與“數字工(gōng)匠精神”成爲更多人(rén)追求的方向。
我們有理(lǐ)由期待，數字時代能夠實現工(gōng)業時代難以達到的工(gōng)藝水平，創造出更高品質、更爲獨特的産品與服務。當然，騰訊并不是要到各行各業的跑道上去(qù)賽跑争**，而是要立足做好“助手”，幫助實體(tǐ)産業在各自(zì)的賽道上成長出更多的世界**。
過去(qù)一年(nián)，我們看(kàn)到很多用戶與合作夥伴通過各種渠道對騰訊的發展提出了意見(jiàn)和建議(yì)。在此，我要向關心騰訊發展的每一位朋友道一聲感謝。你(nǐ)們的期待和鼓勵，是騰訊多年(nián)來(lái)不斷叠代進步的重要動力。
希望我們一起攜手努力！謝謝大(dà)家！
2018年(nián)10月31日(rì)
轉自(zì)騰訊科(kē)技
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
