Information technology continues to transform traditional industries, and the Internet and insurance begin to fuse

Information technology continues to transform traditional industries, and the Internet and insurance begin to merge. Yesterday, the reporter from the "Sanma (MA, Horse, MA)" jointly established by the Public Security online property insurance company to understand that the companies have obtained the CIRC's approval, into the formal preparation period. Unlike previous market guesses, public Ann is not a company that specializes in selling insurance on Ping an online, but a property insurance company that targets internet participants.

The mysterious businessman as chairman

After getting approval of the CIRC, "public security online official Bo" has been quietly registered and on-line, for their own added "internet genes, insurance recruits, innovators, public welfare" and other labels.

In conformity with the information provided by the online look, the online registered capital of the public is 1 billion yuan, registered in Shanghai. In addition to Alibaba, Tencent and China Ping An, other include Beijing Ctrip International Travel Service Co., Ltd., Gadesin Holdings Limited, Shenzhen City Investment Co., Ltd., Shenzhen Day Network Technology Co., Ltd., Shanghai far-strong Investment Co., Ltd and Shenzhen Day News Internet Co., Ltd. and other 6 shareholders.

Reporters found that although the "three horses" reputation in China's business sector, but in this joint test water Internet financial innovation, they are gan behind the scenes. The Ouyaping is the chairman of the public Security online. It is understood that Ouyaping is renowned in Shenzhen Real estate sector, Shenzhen, the head of the network technology.

According to media reports, it is "three horses" recommended the mysterious businessman as chairman. Ouyaping's first bucket of gold came from Hong Kong's oil trade, a former director of China Merchants Bank. Ma Yun sang for him at a dinner.

Online Virtual property is expected to be insured

According to the introduction, after obtaining the approval, the public security online formally enters the preparatory stage, according to the CIRC's approval, the public Ann on-line preparatory shall complete the preparation work within 1 years from the date of receiving the approval preparation notice. After the completion of the preparation, the CIRC will be qualified and issued the opening approval before opening.

In the relevant information obtained from the reporter, public security online positioning itself in the "services of the Internet property Insurance Company", that is "not only through the Internet to sell existing insurance products, but through product innovation, to the unique needs of the Internet economy to provide differentiated insurance products and solutions to resolve and manage the various risks of the internet economy." ”

This seems to be in line with the previous market rumors of "Ma layout online selling insurance". According to public Security online, the target customers include all the Internet economy participants, such as the Internet platform, Internet service providers, E-commerce businesses, online shopping consumers, social networking participants and other corporate customers and individual customers. This model is not a simple "online insurance sales" or "net sell", will not impact the existing online insurance sales market.

Yesterday, China peace related person in charge in an interview, said that the current public Ann online preparation work has a dedicated team in charge, and China's peace of the business is not directly related.

-Analysis

Virtual Property insurance Market space is very big

Bo, a senior Internet analyst, said the internet already has more than 500 million netizens, but the virtual property on the internet faces many risks and is not protected. such as Ali as the representative of the electric business site there are hundreds of millions of buyers and sellers of online trading accounts, funds, Tencent game platform has a large number of game equipment, props, these virtual property in the law has not been reasonably protected. Therefore, there is great market imagination space for the insurance of internet economy.

The three big giants choose "Taoyuan Jieyi" is a kind of complementary, powerful combination of choice. Ali has a large number of online enterprises and personal customers, China Ping An is good at insurance product development, actuarial, claims, has a huge sales and claims team, Tencent has a wide range of network user base, media resources and marketing channels. And Alibaba and Tencent are subject to the current insurance policy can not directly enter the insurance industry, must rely on China's peaceful solution policy bottlenecks.

Peaceful or intended to network big finance

Although the public security online does not disclose the proportion of shares between the shareholders, but it is reported that Alibaba is the largest single shareholder, the shareholding ratio of 19.9%; Ping An and Tencent each holding 15%, tied to the second largest shareholder.

Wang Guojun, a researcher at Peking University's China Insurance and Social Security Research Center, points out that the current positioning of the company, China Ping An online play is not heavy, but Ping ' an China as the most licensed financial Group, MA value should be the concept of large network finance, With the help of Alibaba and Tencent to solve the problems of credit and users, so as to promote the online banking, online insurance and other services at a deeper level.

Bo said that the traditional insurance industry is in fact a very low information transparency industries, once the Internet technology access will subvert its inherent market position. Ma See this irreversible trend, take an inclusive mentality, ahead of the cooperation with the opponents, layout of the future.