"Three horse" selling insurance to run the gourd in the sale of what medicine?

Churn for a year, three horse gourd in what exactly sell is what medicine? Yesterday finally kicked off, three Chinese business leaders---MA, horse, MA, Fudan University, participate in the domestic security online Property Insurance Co., Ltd. initiation ceremony. As the first network insurance company in China, E-commerce, mobile payment and internet finance will become the focus of the public security online business. Security Insurance C E o Yin Hai said that the public is not the network as a sales channel, sales of traditional insurance products, but to serve the Internet, Internet operators and participants, a series of risk management solutions.

"Public Ann Online" will break through the domestic existing insurance marketing model, do not set up branches, completely through the Internet for sale. And behind the most shiny shareholder team, how much support can be obtained from data and channels, or will ultimately determine the "three horse" insurance imaginary space.

The most powerful shareholder lineup

In the noise of all sentient beings in Internet finance, they are born with the golden key. On the list of shareholders of the security insurance industry, the most powerful participants in the Internet world today.

Ali's small micro-gold clothing is "public-ann Online," the largest single shareholder, the shareholding ratio of 19.9%; Ping An and Tencent each holding 15%, tied to the second largest shareholder, the remaining about 50% of the shares of the rest of the control of other companies, of which the advantages of the company holding 15% respectively. Shenzhen Gadesin Investment, Shenzhen Day News Network Technology, Beijing Ctrip and Shanghai's far-strong investment are holding 14%, 8.1%, 5%, 5% respectively.

According to people close to the public, the "Three horse" insurance will be around the shareholder's industrial chain to carry out product development, similar to Ali's existing freight insurance. Therefore, how many data and channel support from the shareholders can be obtained, will ultimately decide the imaginary space of "three horses" insurance.

In yesterday's press conference scene, Ma Yun, Horse, MA, the "Internet finance" or "financial Internet" launched a fierce rebuttal.

Insurance "Boss" Ma said the Internet financial and financial Internet is fundamentally different. "For the financial sector, I believe that more than 99% of the financial institutions are now financial Internet, then the financial institutions use the Internet as a tool to improve efficiency, reduce costs and improve services." And internet finance is from data, starting from traffic, to the data into, and then provide services, and then to finance. Logically speaking, two directions. ”

Ma Yun said: "Do not know what will happen in the future of Internet finance, for our company, we just want to establish a credit system, this credit system and data once established, countless financial institutions will use this set of credit system to blossom." ”

What does "San Ma" sell?

Not long ago, the two major shareholders behind the security insurance began a round of heavy fighting over mobile payments. Ali Small Micro-trust executives high-profile criticism of micro-letter insecurity, micro-letter turned on the launch of the individual full compensation insurance.

The insurance, which is based on the "internet" demand, is the site of public security.

Ma said in the press conference, small, large quantity, standardized products are more suitable for online purchase. "Public safety first cut into property insurance, property insurance inside 70 is a personal business, of which 50% have the opportunity to move to the Internet." The second is like Taobao Cat, will create a lot of new insurance out. For example, many people, on the ground will not open shop, online can open shop, some insurance premiums 5 dollars, out of a policy of 22, can not afford to do, online is possible to do. ”

In addition to the shareholder platform, the helm for the public will be the new CEO, Yin Hai from the financial industry. It has planned Huatai and Taobao jointly launched the "Return freight insurance" products. Yin Hai, interviewed by reporters in south, said the first product will be launched around the end of November.

Yin Hai said, "Initial business will focus on e-commerce, mobile payments and internet finance to provide products." The first product will be introduced before and after the end of November, the initial product will be innovative products, its characteristics should be simple, low premiums, turnover, but the details are still confidential stage. At present, there is no product to the regulatory level of the record. ”

For the previously rumored virtual property insurance, Yin Hai said that based on the virtual property in the regulatory recognition of the consideration, the current similar to virtual game props insurance is still being studied, not in the public security priority plan.

"Under the line of the insurance company one-on-one even if the misleading effect will be smaller, but if the line of standardized products appear problems, it will trigger a strong response to the group," Yin Hai in the wind control, "so in the product design process to do subtraction, the product will do relatively simple, more clearly targeted, a product to solve an internet problem. The next step is to design and launch a small, fragmented insurance product. Clearly tell investors what the insurance can do, where it is exempt and not insured. ”

And in the product sales platform, Yin Hai euphemistically said, will include Ali electric business system such as the Internet platform sales.

3-5-year profit

"There are no companies around the world that are focused on Internet insurance," he said. We are seeing a huge gap in the Chinese market now: The Internet industry is highly developed, but at the same time the social economic base of credit, payment and logistics is not mature. Yesterday, public Security insurance CEO Yin Hai yesterday morning reporters to the south, said that this gap is the Internet insurance innovation space.

"A year ago, Internet insurance was just offline and sold online. Instead of selling insurance on the internet, the public is customizing risk solutions for Internet companies. Yin Hai said that in the early days of the opening not to pursue scale and profitability, short-term goals in the first 1-2 years, focus on testing the feasibility of business models. Medium-term targets for 3-5 years of profitability. With 5-8 years of time to become a professional service of the Internet insurance Company, looking forward to the future to reach the scale of 5 billion ~80 billion.

In addition, as three companies have overlapping business, there is concern about the level of data sharing among the three major shareholders, which will ultimately determine the imaginary space of three-horse insurance.

An Ansion said the basic process would be to design insurance products based on the basic model, form and rate, and then to the Internet company to verify the data, and then feedback to the public security, to readjust the insurance products, the entire dynamic process without contact with user data.

Yin Hai said that the An Sheng in focus and focus, from the company's main to staffing are only Internet insurance. Of the nearly 80 employees in the online world, 40% are from the internet industry, they are more familiar with the IT market rules, the product design will be more targeted. The IT data division has a team of 30 people, and the team that specializes in managing Internet Information security is different from the traditional insurance company's department setup.