Internet insurance supervision has gone further. On August 20, at the China Internet Insurance Association sponsored by the China Insurance Association, Zhou Yanli, vice chairman of the China Insurance Regulatory Commission, said: "The China Insurance Regulatory Commission has set up an Internet insurance supervision leading group to study regulatory policies and encourage innovation and development. Chen Wenhui, vice chairman of the China Insurance Regulatory Commission As the leader of the group, Liu Feng, the director of the Property Insurance Supervision Department, is the deputy leader."
A person in the industry who has been involved in policy research commented: "The supervision of Internet insurance has undergone several rounds of research and feedback. The establishment of the regulatory leadership team means that Internet insurance supervision will be on the right track." However, he further said: " While the regulatory is on the right track, I hope that the regulatory space will give more innovation."
As the forefront of Internet property insurance, the development of car insurance will also kick off. Zhou Yanli said that car networking insurance can first improve the scientific and fair pricing of auto insurance, and design differentiated rates for different individuals, such as driving behavior and user habits with better habits and shorter driving time.
Internet insurance supervision is on the right track Since the issuance of the "Notice on Regulating Personal Insurance Companies' Problems in Operating Internet Insurance (Draft for Comment)" in April this year, the supervision system has been in full swing for the construction of Internet insurance.
Zhou Yanli said that the party committee of the China Insurance Regulatory Commission attached great importance to Internet insurance. The regulatory authorities conducted some research on how to do a good job in Internet insurance, and also set up a leading group for Internet insurance supervision. Regarding some related issues, especially regulatory issues, encouraging development issues, especially innovation and development issues, I would like to put forward some policy recommendations and suggestions to encourage everyone to do a good job in Internet insurance.
According to the latest statistics released by the China Insurance Industry Association recently, in the second quarter of this year, there were 50 personal insurance companies operating online sales operations, an increase of three from the first quarter. At the same time, the annualized scale premiums of these companies sold through the Internet channel reached 10.211 billion yuan, of which premiums grew rapidly in the second quarter, reaching 7.5 billion yuan, 2.78 times that of the 2.7 billion yuan in the first quarter, nearly double the growth.
Chen Wenhui also said in July this year that the China Insurance Regulatory Commission is working hard to draft a regulatory approach to the development of Internet insurance business. According to the above-mentioned insiders, "the introduction of the regulatory measures will still be finalized by the regulatory authorities after the game."
Zhou Yanli also said that to develop Internet insurance, we must deal with five relationships. The first is to correctly handle the relationship between Internet business development and standard operation. The second is to deal with the relationship between online and offline. Third It is necessary to deal with the relationship between the front-end and the back-end; the fourth is to deal with the relationship between principle-based supervision and regular supervision; the fifth is to deal with the relationship between openness and transparency and customer information privacy protection.
In addition, we must also handle the relationship between division of responsibilities and regulatory cooperation. Internet insurance has the characteristics of trans-market and cross-regional time and space. The China Insurance Regulatory Commission is communicating with other financial regulators such as the People's Bank of China, the China Banking Regulatory Commission, and the China Securities Regulatory Commission to seek cooperation. At the same time, strengthen cooperation with the Ministry of Industry and Information Technology, the public security department, industry and commerce departments in network business operations and information security.
Car network insurance to be growing The hot car network is not only used in the automotive industry, but for the insurance industry, the new and not new things of the Internet of Vehicles are becoming a new force to change the auto insurance industry. The Internet of Vehicles has also become the "protagonist" of various discussions at the above seminars.
"Car networking will fundamentally change the auto insurance industry, which may trigger a revolution." Wang He, executive vice president of PICC P&C Insurance, said in an interview that "the impact of car networking on auto insurance must be very profound and will become an inevitable future development." direction."
The two core words most relevant to the growth of the Internet in the insurance industry are UBI (Usage Based Insurance) and OBD (On-Board Diagnostic). In an interview with reporters, the industry said that at a crucial point in the market-oriented reform of auto insurance rates, the win-win relationship between car networking and insurance has brought about changes in the market-oriented reform of the Internet of Vehicles and auto insurance rates.
Zhou Yanli also said that car network insurance can first improve the scientific and fair pricing of auto insurance, and design differentiated rates for different individuals, such as lower driving behaviors and users with better habits and shorter driving time; It can help insurance companies to strengthen the risk management of claims, reduce moral hazard; the third is to improve the profitability of insurance companies; the fourth is to provide consumers with a full range of value-added services; the fifth is a positive for people's civilized habits Incentive and guidance; Sixth, it also provides support and basis for insurance supervision, and insurance supervision can monitor business operations more quickly and agilely.
At present, the companies in the insurance industry pilot water tanker network are mainly P&C Insurance, China Life Insurance, Ping An Property Insurance and Pacific Property Insurance. The business models and progress of several companies are different. Among them, PICC P&C is at the forefront of research on car network insurance. At present, it is in the middle stage of the experiment, and has completed the pre-technical selection, such as selecting products and ensuring the stability of the equipment. In the second stage, the model test was completed safely through 200 vehicles in the Beijing area. PICC is in five cities across the country. Conducted a mid-term experiment of 15,000 vehicles, improved the technical model and verified the business model, which will be followed up for large-scale promotion.
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