Insurance Regulatory Commission approves public security online, "speedy" awarded

　　The concern of the "three horses" to sell insurance has finally settled. In the case of the basic freezing and approving company's preparation, the CIRC approved the preparation of the Public Security online property insurance Company ("Public Ann Online").   This is the first Internet insurance Company in China, which is jointly established by Jack Ma of Alibaba, Ma of Ping ' An and Tencent, and so on, it has become the focus of insurance and Internet industry because of its shareholder background, marketing mode and market positioning.   from the preparation of the application to obtain approval for the preparation of the license, preparatory online in less than a year time. "Internet sales and services are a major trend, and the CIRC will certainly vigorously support this innovation in the insurance industry." "February 20, a person close to the CIRC said to the economic observer." On this day, the public Ann Online preparatory officially get approval of the Circ.   Only "sell" liability insurance and insurance, the new concept and the sense of the era, the new company to hang up the industry's "appetite", but it will be out of what the Internet new financial road, it is worth watching.   intended to layout   This reporter was informed that the public security online registered capital of 1 billion yuan, registered in Shanghai, Alibaba Holdings 19.9%, China Ping ' An and Tencent held 15% each, not set up branches; will be engaged in network safety, E-commerce, consumer rights and interests of internet shopping protection, Internet-related property insurance business for social networks; Target customers include all internet economy participants, such as Internet platforms and service providers, E-commerce businesses, online shoppers, social networking participants, corporate customers and individual customers. However, the industry believes that its initial size or difficult to big.   "Public Ann online positioning is to serve the Internet." Alibaba PR director Gu Jianbing told this newspaper, "its development goal is to become an international leading Internet risk overall solution provider." "  Gu Jianbing explained that not only through the Internet to sell the existing insurance products, but through product innovation, for the Internet operators, participants and users to provide a series of overall solutions, to resolve and manage the various risks of the Internet economy, for the internet industry smooth, safe and efficient operation to provide protection and services.   But rejection, intended to "layout". Although the initial scale is small, the liability insurance and guaranteed product added value is very high. Moreover, in the eyes of the "three Horses", the future of the whole society 80% of the business behavior in the online, Happy enclosure is the company's current strategy.   A person close to Ma said, public Ann Online is only a small step of China's safe foray into the virtual economy, network finance, if the smooth, then can increase investment, rolling development. Lei, director of   China e-Commerce Research Center, believes that it is Ma that Ma Yun and Ma Teng two once "warring" competitors pull together. He said that the new company should be led by Ma, but in the consumption, Taobao users the highest quality, coupled with Ma's, Alibaba Group last September announced the completion of Yahoo 7.6 billion dollar share repurchase plan, and finally regain control of the group, so it can be judged that Mr Ma is either holding or not doing.   Jinghua Mountain International (Hong Kong) analyst Tan Sijin that Tencent still needs time to establish a unique positioning of e-commerce business, Tencent in the field of E-commerce face both sides: Alibaba (Consumer-to-consumer Taobao and the Cat shopping mall) and Jingdong Mall (business). Based on E-commerce customers more purposeful, Tencent needs more effective means of QQ and social platform to guide users to E-commerce platform. To the urgent need to find the positioning of Tencent, the public Ann online may be its "small test" a means.   Ma said in a speech that the future of mobile internet socialization is a global trend. He bluntly, many industries, in the past, internet media, E-commerce and other social connections. Space in the field of LBS (mobile location service) has not been tapped. These are exactly what Ma Yun, ma not and value. "I think, Ma Yun to participate in the insurance company more or from the service of the whole Ali group electric industry chain Angle, the ultimate goal is to serve the group strategy, rather than simply open up new business." "Feng Po, senior analyst at Chinaven-ture Group, said. He analyzed that Alibaba itself has a huge personal users and business users, are expected to become the new insurance company's customer base, and the cat, Alipay, will also be the main sales channels.   Therefore, it seems that the security of the public security online gives the "three horses" different interests appeal space. The combination of the three is the essence of a timely momentum of the times inevitable. "The success of public security online will break through the existing marketing model of the domestic insurance industry." "Huangyingjun, director of Chongqing Insurance and Social Security Research Center, China Insurance Association," said. He says the company is selling and settling claims entirely over the Internet. and in product research and development, will also avoid the traditional car insurance business, major liability insurance, guarantee insurance of these two types of insurance.   Challenge Geometry   "2012 China's network retail turnover of more than 1 trillion yuan, is expected to overtake the United States in 2013, the world's largest online retail market." "Nielinghai, deputy director of the Department of Commerce and Information technology, said recently.   However, online sales of insurance products is more like a "beautiful fairy tale", otherwise, MA 2000 on the Investment of E-commerce website "PA18" project is not "no way". Although today's public security online relative to the "PA18", facing the environment is not the same as before, but the challenges are not much change. Rook, vice president of   PICC, said that insurance net sales is undoubtedly a concept of "advancing with the Times", but the key is how to "land" This concept is not an easy thing. "Landing" is the most important person, it needs a group of composite knowledge background and experience to do. In the large data age, data workers, data engineers, and data sectionsThe scientists will be the core resources of the future insurance company. He thinks, different from the traditional sense of data talent, they are no longer only based on it, database research, management, application of talent, they need to have observation, can observe a social phenomenon behind the data structure, the phenomenon behind the structure of mining out. They also need to have the imagination to integrate data structures and logic into a new business model and create new business opportunities.   On the insurance net, Wang and the solution is: "Specialization" of products, services and operations, i.e. products, services and business models that need to adapt to and satisfy the virtual environment and customer characteristics. This requires the company to take full advantage of the client's participation and initiative, to realize the conversion of consumers to producers; Secondly, through the "All e" processing, to build a transparent process, and a high degree of participation in the platform to achieve self-management; Furthermore, the introduction of new technologies into products to achieve a leap in product and service quality And finally explore a new business model to provide customers with more attractive prices and services.   The online face is how to let consumers really use online sales to buy insurance, but this is not easy. Because, at present the insurance market net sells the business to come from the traditional channel migration more, but the real meaning net sale business volume is not big.