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- 保險牌照(zhào)可(kě)變更，外資開放(fàng)加速，國内互聯網保險何去(qù)何從(cóng)？
近日(rì)銀保監會發布《互聯網保險業務監管辦法（草稿）》，其中提到其他(tā)保險公司可(kě)以變更爲專業互聯網保險公司，但(dàn)應當參照(zhào)新設保險公司的方式提出申請(qǐng)，具體(tǐ)條件(jiàn)和程序由銀保監會另行規定，互聯網保險牌照(zhào)有望擴增。同時，第四十九條【業務範圍】專業互聯網保險公司在全國範圍内經營互聯網保險業務的險種範圍，不受本辦法第十一條規定的限制。專業互聯網保險公司經營的互聯網保險業務，無法通過線上方式完成查勘、理(lǐ)賠等服務的，中國銀保監會可(kě)以對該業務的經營區域進行限定，指導和督促專業互聯網保險公司加強線下服務能力建設。這意味着，專業互聯網保險公司理(lǐ)論上可(kě)以将任何産品銷往全國，其中無法通過線上完成查勘理(lǐ)賠服務的，監管“可(kě)以”限定其經營範圍；而傳統保險公司在設有分(fēn)支機(jī)構的區域銷售産品不受限，但(dàn)在未設立分(fēn)支機(jī)構的區域，卻要受到比專業互聯網保險公司更多的産品限制。這對于分(fēn)支機(jī)構較少的中小保險公司來(lái)說(shuō)，無疑影(yǐng)響會更大(dà)。
與此同時，中國銀保監會昨日(rì)發布《關于允許境外投資者來(lái)華經營保險代理(lǐ)業務的通知》。其中，《關于放(fàng)開外資保險經紀公司經營範圍的通知》已發布，符合條件(jiàn)的外資保險經紀機(jī)構可(kě)以向當地保監局申請(qǐng)辦理(lǐ)許可(kě)證變更手續，将與中資保險經紀機(jī)構享有同等經營範圍。兩個通知的下發，意味着保險中介業務中另兩大(dà)領域——保險代理(lǐ)及保險公估的對外開放(fàng)亦緊随而至。在此之前，外資在中國保險代理(lǐ)及保險公估領域的投資多以參股爲主，即境外股東在保險代理(lǐ)機(jī)構、保險公估機(jī)構中的持股比例不得(de)超過25％。作爲例外，根據CEPA補充協議(yì)，自(zì)2008年(nián)1月1日(rì)開始，允許符合條件(jiàn)的香港、澳門(mén)保險代理(lǐ)公司在内地設立獨資保險代理(lǐ)公司。這意味着，未來(lái)外資進入保險代理(lǐ)、保險公估領域的組織形式可(kě)以更加靈活，在合資保險代理(lǐ)、保險公估公司中可(kě)以謀取控股地位，甚至還(hái)可(kě)以以獨資子公司的形态經營，外資保險代理(lǐ)、保險公估機(jī)構的經營靈活性與自(zì)由度無疑将有所增強。
自(zì)1992年(nián)上海展開保險對外開放(fàng)試點迄今，保險行業的開放(fàng)已走過26年(nián)，其中經曆過制定城(chéng)市試點、加入WTO的小步嘗試，再到過渡期過後的完全放(fàng)開，保險行業的對外開放(fàng)又将迎來(lái)小高潮。從(cóng)友邦保險1992年(nián)進入上海，到2017年(nián)底的50家外資險企（包括合資），外資險企數量一直在平穩增長；不過，在3.66萬億保費收入的世界第二大(dà)保險市場，數量近三成的外資僅占據了5.85%的市場份額
在德華安顧人(rén)壽相(xiàng)關負責人(rén)看(kàn)來(lái)，外資保險公司的優勢在于其專業化運營方式及百餘年(nián)的市場化運行經驗，多樣化的中外資持股比例和公司治理(lǐ)結構不僅可(kě)以優化決策流程，提升決策效率，還(hái)将外國保險公司先進的運營理(lǐ)念、産品設計(jì)、風(fēng)險管控體(tǐ)系更**地貫徹到日(rì)常經營中，在優化保險業發展環境的同時，爲國内企業及民(mín)衆提供多樣化的養老、健康風(fēng)險解決方案
數據顯示，2017年(nián)，外資保險公司原保險保費收入2140.06億元，占市場份額的5.85%，比去(qù)年(nián)同期增加0.76個百分(fēn)點。其中，外資财産險公司市場份額較低，外資财産險公司原保險保費收入206.39億元，市場份額1.96%。外資人(rén)壽保險公司市場份額相(xiàng)對較高，外資壽險公司原保險保費收入1933.66 億元，市場份額占有率爲7.43%。面對前景巨大(dà)的中國保險市場，市場份額并不大(dà)的外資會選擇怎麽樣的方式來(lái)分(fēn)食蛋糕呢(ne)。在業内人(rén)士看(kàn)來(lái)，可(kě)能會出現兩點顯性的變化：一是現有的合資企業中外資股東的持股比例會持續上升，雖然近期監管層發布了關于險企股權的管理(lǐ)辦法，對單一股東的持股比例做出了三分(fēn)之一的限制，但(dàn)外資股東并不受影(yǐng)響；另一種可(kě)能性是外資以設立新的市場主體(tǐ)的身(shēn)份參與到中國的保險市場中來(lái)。
波士頓咨詢合夥人(rén)兼董事(shì)總經理(lǐ)胡瑩看(kàn)來(lái)，外資以哪種方式進入也與監管機(jī)構對于牌照(zhào)的管控程度有關。在她看(kàn)來(lái)，在這一波開放(fàng)的浪潮裡(lǐ)，可(kě)能會有一些非主流的玩家出現市場上，特别是互聯網公司。“對于互聯網公司來(lái)說(shuō)，在牌照(zhào)申請(qǐng)還(hái)是有一些限制的，面對保險業務，它需要更專業性的指導，更需要一個好的品牌，與國内保險公司聯姻可(kě)能會存在與原來(lái)業務的競争關系，所以互聯網公司和外資進行聯姻的可(kě)能性比較大(dà)。目前市場已經出現這種風(fēng)聲，雙方的合作會給外資一個更快(kuài)進入市場的機(jī)會，其所掌握的數據更是能解決外資進入市場‘巧婦難爲無米之炊’的難處。”
外資保險公司面對的多是發達的市場，因而更看(kàn)重經營的效益，而中資險企面對的是新興市場，更看(kàn)重市場規模，當前*需要做的是跑馬圈地，占據更多的市場份額。北京工(gōng)商大(dà)學保險學系主任王緒瑾教授如(rú)是說(shuō)。
保險代理(lǐ)機(jī)構、保險公估機(jī)構的外資持股比例放(fàng)寬後，将引發新一輪保險代理(lǐ)、保險公估機(jī)構的設立與并購(gòu)熱(rè)潮。對内傳統保險牌照(zhào)可(kě)轉換爲互聯網牌照(zhào)，對外外部資本正在加速進入中國互聯網保險行業市場。對于國内互聯網保險企業應如(rú)何應對？傳統企業如(rú)何破局？機(jī)遇與挑戰并存的時代，如(rú)何趁勢而起，實現彎道超車？
2019中國互聯網保險創新峰會将在4.11-12爲您精彩呈現，如(rú)果您對中國互聯網保險行業未來(lái)發展有疑問(wèn)，有困惑，歡迎您加入中國互聯網保險創新峰會2019（CIIS2019）。
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
