The first Internet insurance company to plan the total cooperation of three horses

Ping An, Tencent, Alibaba three union, what can do? Yesterday, the answer was announced, three "Ma Total" cooperation scheme of the first Internet insurance Company-Public Security online Property Insurance Co., Ltd. opened yesterday. At Fudan University, the launching ceremony, Ping An group of shareholders Ping An insurance company chairman Ma, Tencent CEO Ma and Ali Group chairman of the board, "three horses" debut with Taiwan.

Zhejiang Alibaba into the largest shareholder

Yesterday noon, the public security insurance on the official website announced the share list and company structure. According to the disclosure information, Zhejiang Alibaba E-commerce Co., Ltd. shares 19.9%, become the first major shareholder of security insurance. In addition, Tencent, China Ping An Insurance (Group) Co., Ltd. and the advantages of the company holding 15% respectively.

In addition, Shenzhen Gadesin Investment Co., Ltd., Shenzhen News Network Technology Co., Ltd., Beijing Ctrip International Travel Service Limited, Shanghai far Strong Investment Co., Ltd. held 14%, 8.1%, 5%, 5% respectively.

Compared with traditional insurance companies, the biggest feature of public security insurance is to carry out the insurance business directly related to Internet transactions through Internet. Public safety insurance is not simply selling insurance on the internet, but it provides insurance tools for scenarios on the Internet.

Public Security Insurance general manager Yin Hai that in the world of E-commerce, there are a lot of links can use insurance tools to spread the risk. In fact, before the public, he planned Huatai and Taobao jointly launched the "Return freight Insurance" products, is widely welcomed, users are willing to spend five cents, a piece of money to buy insurance. Similar products, is the internet for the scene to provide insurance products.

The reporter learned that the public security insurance started in April last year, the September 29 this year, the CIRC approved the opening, registered capital of 1 billion yuan. Public security and traditional insurance companies, as well as the establishment of an independent actuarial department, claims Department, sales department. Unlike the traditional insurance institutions, the public security insurance will not set up branches, through the Internet to engage in cybersecurity, E-commerce, online consumer protection, social networking and other Internet-related property insurance business.

It is reported that the public security insurance will be launched from November to December this year the first batch of products, focusing on the credibility of the dealer, merchants to pay.

-"San Ma" Talk about internet finance

The insurance on college students ' examination can calculate the premium

Ma Yun

To engage in internet finance, we must build a system with credit. Finance is a risky business, using large data, cloud computing, using all the resources available to build the credit of everyone and every business. When this is built, finance will naturally be able to do so. For example, a college student to take the examination, to the insurance, according to its results, truancy rate can be calculated to pay the premiums, this kind of insurance to buy people believe very happy.

50% credit cards and cash disappear in 10 years

Ma

Just now the host said the future of the Internet will have an impact on the financial, bold prediction, financial institutions will be a great change, it will be small, community, intelligent, diversified, because the large network with the Internet access and difficult to operate. Now the big Dot has no advantage, and the Internet has advantages. In about 10 years, 50% to 60% of credit cards and cash will disappear. In addition, 50% of personal business in property insurance can be networked.

The glamour of the Internet is that everything is possible.

Ma

When we talked about the situation of public security more than a year ago, we all thought it was too new, because we talked about internet banking before, but I just heard the rain. It took more than a year to discover the birth of the world's first internet insurer. So all the insurance and micro-letter payment cooperation not wait until thousands of years later, another year or two, five years, there will be considerable changes, the charm of the internet is that everything is possible.

-"Three horses" dark war

Although it is the same for all the insurance, but with the debut, MA, MA, Yun, but embodies their own style. Ma, who has been in the financial industry for years, was dressed in a suit, with the engineer, MA, wearing a black cashmere sweater, while Jack Yun again made his debut with a yellow jumper.

If the dress has already embodied the style, then the words between Ma Yun and Ma Teng no smoke of the war is more interesting. As the "three horses" old friends, but also Fudan alumni of the Shanghai Fosun High-tech group Chairman Guo Guest a host, but also led to MA in the "Micro-letter" "between" and "the first response."

VS MA: Market at least two "micro-letter" horse: Each find a different position

Rivers and lakes Rumors, "contacts" to use Taiji martial arts, the Penguins hit the Antarctic lair. Yesterday, Guo seemed to have "misplaced" the issue of micro-letters and competition. In this respect, Ma said bluntly, "any area must have at least two competitors." Mr Ma points out that only by challenging each other can society progress.

Ma Yun claiming to be "layman", so very curious, "micro-letter business Why must Tencent do it?" After Taobao out, Tencent also made a pat, they are also challenging. If the field of mobile communications is only one, it will lag behind. Maybe we can not become the great, but at least to keep the micro-letter innovation, so that users can slowly pay, so that users have a better experience, but also a good thing to play.

For Ma Yun's direct, horse also "kindly" to respond: "Ma Yun spoke very well, I also very agree." In the Internet industry more than 10 years, competition is everywhere, the most fear is the internal inertia, micro-letter itself is also a result of our internal competition, it was not born in the original QQ team inside. ”

For Ma Yun stressed that "the market must have at least two ' micro-letter ' (type of micro-letter products)", horse bluntly, "I believe that eventually we will find their different positions, the QQ, Wang Wang competition results are also found their own position."

VS MA: Insurance can do MA: You have to wait thousands of years

Traditional financial industry and the Internet two "big guy" sit together, inevitably have to discuss the relationship between them, although "three horse" is to three people's ideal and come together, but the view of internet finance unavoidably have difference.

Ma that finance and the Internet are both cooperation and competition. Financial Internet and Internet finance, in essence, the difference is very big. Financial institutions use the Internet to improve efficiency, reduce costs and improve services, and for the Internet, it is from data, to service, and then to finance.

In Ma Yun's view, the essence of finance is to do credit, internet finance is essentially the establishment of a good credit system, so that people with credit to the rich, so that people with credit to guarantee up.

Ma Yun said: "I think, in principle, the work of your traditional insurance companies, we are capable." It's just a good time. MA: "I agree with him (referring to Jack Ma, Editor's note), I totally agree with him." Everything can be on the Internet, he may be 1000 years later. ”