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水滴保 安心保险开展长期保险经纪关联交易 业内提醒需严守业务独立性 合规性
石雨蓝鲸财经发布时间:2021年01月05日 09:28:43

(WANGJINGSHEXUN)ZAI2020NIAN9YUETONGGUOCHIGUANXINBAOXIANDISANDAGUDONG,JIANJIERUGUANXINBAOXIAN,ZHANHUOBAOXIANPAIZHAOHOU,SHUIDIBAODEBAOXIANYEWUBUJUJIXUTUIJIN。JINRI,ANXINBAOXIANGONGGAO,NIYUSHUIDIBAOZHANGQICHIXUKAIZHANBAOXIANJINGJIYEWU,SHUIDIBAOJIYUTOUBAORENLIYITIGONGBAOXIANZHONGJIEFUWU。ZHEISHISHUANGFANGJIYUGUQUANGUANXIDACHENGDESHOUFENGUANLIANJIAOYI。

业内分析,与此前双方合作相比,通过持股绑定,水滴保与安心保险在产品设计、融合创新方面有利于降低沟通成本,进行技术手段与数据的共享,但因持股比例有限,合作提速情况还有待观望。此外,对于保险经纪公司入股保险公司后的独立性方面,业内存在担忧声音,但更多观点看来,对于消费者主导的保险市场而言,保险经纪公司依然会以产品和服务为考量依据提供给消费者。

2020年12月,安心保险与水滴保双双因虚假营销问题被监管点名,给双方“互联网保险+流量平台”的合作模式的合规情况构成隐忧,专家分析,此前虚假营销等情况属于互联网保险行业性通病,在互联网保险新规出台后,很大程度能够形成有效规避。在未来的业务推进过程中,需要保险机构回归本源,合规布局。

JIANJIERUGUHOUSHOUPIGUANLIANJIAOYI,ANXINBAOXIAN、SHUIDIBAOKAIZHANZHANGQIBAOXIANJINGJIYEWU

JINRI,ANXINBAOXIANPILULEYIFENGZHONGDAGUANLIANJIAOYIGONGGAO。GENJUGONGGAONEIRONG,ANXINBAOXIANNIYUSHUIDIBAOXIANJINGJIYOUXIANGONGSIZHANGQICHIXUKAIZHANBAOXIANJINGJIYEWU。

这笔交易形成“关联”,在2020年9月实现搭建。北京通宇世纪科技有限公司(以下简称“通宇世纪”)为安心保险股东,持股比例11.284%。2020年9月17日,通宇世纪股东变更为北京纵情向前健康科技有限公司(以下简称“纵情向前健康科技”),而纵情向前健康科技的实控人北京纵情向前科技有限公司,同时为水滴保险经纪的实控人。

CONGGUANLIANJIAOYINEIRONGLAIKAN,ANXINBAOXIANTONGYISHUIDIBAOXIANJINGJIJIYUTOUBAORENLIYIWEITOUBAORENYUANXINBAOXIANQIANDINGBAOXIANHETONGTIGONGZHONGJIEFUWU,ANXINBAOXIANANYUEDINGXIANGSHUIDIBAOXIANJINGJIZHIFUYONGJIN,ZHONGJIEFUWUHEZUODECHANPINWEIANXINBAOXIANHEFAJINGYINGXIAOSHOUDEBAOXIANCHANPIN,HEZUOQUYUWEIBAOXIANJIANGUANJIGOUYIFAHEZHUNDEGONGTONGJINGYINGQUYU。

DUIYUJIAOYIJIAGE,ANXINBAOXIANYEZAIGONGGAOZHONGMINGQUEDINGJIABIAOZHUNJISHUNXU:ANZHAOXINGYEZHIDAOJIAHUOZILVJIAGE;CANZHAODISANFANGYUQIHEZUOTONGLEIYEWUDEYIBANSHOUFEIBIAOZHUNYUYIQUEDING;TUIDINGJIAGE,JIYIJUSHUIDIBAOXIANJINGJITIGONGDEFUWUDESHIJICHENGBENJIASHOUXIANGYINGDELIRUNYUYIQUEDING;XIEYIQUEDING。

BAOXIANGONGSIYUBAOXIANJINGJIGONGSIHEZUOSHIXINGYECHANGTAI,DANZAIGUQUANJICHUSHANGTUIJINZHANGQIBAOXIANJINGJIYEWU,YENEIYEYOUDANYOUDESHENGYIN,YIWEILAOPAIBAOXIANJINGJIGONGSICONGYERENYUANTICHU,“SHUIDIBAOCHIGUANXINBAOXIANHOU,DANGQIJIYUZISHENPANGDADEYONGHUJICHUQUJINXINGCHANPINXIAOSHOUSHI,HUICUNZAIZHUTUIZISHENCHANPINDEKENENGXING,DANZHEIYOUBEIYUBAOXIANJINGJIWEIXIAOFEIZHEFUWU,KEGUAN、DULIDELICHANG”。

中国精算师协会创始会员徐昱琛则表示,从市场角度来看可以一定程度规避这种担忧,“保险经纪平台销售的产品,一部分是由平台主导,如退货运费险、航运险等;另一部分则是由消费者主导选择,通过保险经纪公司提供的产品价格与服务,对产品进行选择;对于消费者主导的产品,平台仍会首要考量产品本身与服务的情况,而非股权关系,否则会影响平台的转化和客户粘性”。

DUICI,SHUIDIBAOHUIYINGLANJINGBAOXIANBIAOSHI,QIBINGBUZHIJIECHIYOUANXINBAOXIANGUFEN,SHUANGFANGJIAOYIWEIZHENGCHANGYEWUCHANSHENG,BUYINGXIANGGONGSIDEDULIXING。

SHUIDIBAOBUBUTUIJINBAOXIANLINGYUBUJU,NABAOXIANPAIZHAOHEZUOKONGJIANTUOKUAN

QISHI,SHUIDIGONGSIZAIBAOXIANYEWUBUBUWEIYING,LIANXUBUJUYIJIU,LIZUYUSHUIDICHOU、SHUIDIHUZHU,WOYOULIULIANGYUYONGHUZIYUANDESHUIDIGONGSIJIAMASHUIDIBAOXIANSHANGCHENG,XINGCHENGSHENGTAIBIHUAN,ERZAINAXIABAOXIANJINGJIPAIZHAOHOU,SHUIDIBAOYIZHIYOUYIZAIZHANHUOYIZHANGBAOXIANPAIZHAO,ZHARUBAOXIANYEDEHEXINLINGYU。

JUSHUIDIBAOGUANWANGSHUJUXIANSHI,QIMUQIANYIYU60YUJIABAOXIANGONGSIHEZUO,TUICHUCHANPINZEDADAO260YUKUAN,JIEZHI2020NIAN9YUE,SHUIDIBAOPINGTAILEIJINIANHUAQIANDANBAOFEI182YIYUAN。CONGSHUIDIBAODEDONGZUOLAIKAN,QIDINGWEIBINGBUZAIYUJIANDANDEBAOXIANXIAOSHOUPINGTAI,ERSHICHIXUYUDUOJIAXIANQIZAICHANPINDINGZHIFANGMIANJINXINGHEZUO,QIZHONG,ANXINBAOXIANJISHIQIDUONIANDE“LAODADANG”。

2017NIAN,SHUANGFANGZAIYIWAIXIANFANGMIANJINXINGDUIJIEYUSHANGXIAN,HANGAICHENGREN、SHAOER、LAONIANYIWAI、GONGGONGJIAOTONGYIWAI、LVYOUYIWAIDENG;2018NIAN9YUE,SHUANGFANGZHENDUI18ZHOUSUI-60ZHOUSUIRENQUN,HEZUOTUICHU“SHUIDICHENGRENZHONGJIXIAN”;2019NIAN3YUE,QIHEZUOTUICHUDELAONIANYILIAOXIAN,MIANXIANG61SUI-80SUILAONIANQUNTI,ZUIZHANGXUBAOZHI100SUI;2020NIAN2YUE,SHUIDIBAOYOUYUANXINBAOXIANHEZUOTUICHU”XINGUANFEIYANWUYOUBAO”,BAOZHANGNIANLINGWEI18-65ZHOUSUI。ERCICISHUANGFANGQIANDINGDEBAOXIANJINGJIYEWU,SHIZAISHUIDIGONGSICHIGUANXINBAOXIANHOU,GONGKAIPILUDESHOUFENGUANLIANJIAOYIGONGGAO。

“最初水滴公司是做为流量平台实现流量变现,在拿到保险经纪牌照后,水滴保实现了作为保险圈内的正式玩家参与其中,而进一步获取保险牌照,则意味着含金量更高”,新一站保险网李阳补充分析,而对于进一步的布局,“还要看水滴保入股安心是想深度绑定一家较为契合的合作伙伴,还是想要进一步增持拿下实控权,进行长远投资”。

TONGGUOGUQUANCHIGUDAJIANGUANLIANGUANXI,DUIYUSHUIDIBAODEBAOXIANBUJUERYAN,WUYIGENGJINYIBU。ZHANGQILAIKAN,SHUANGFANGZAICHANPINHEZUOFANGMIAN,YOULIYUSHIXIANGOUTONGCHENGBENDEBAKONG,YIJICHANPINCHUANGXINFANGMIANDERONGHEJIASU。

“水滴保作为互联网平台,互联网基因与科技水平相比传统保险机构具有明显优势,可以通过大数据等手段进行科技支持;同时水滴保在客户的消费水平、资金能力方面也具备一定的数据,因此在产品研发、精算建模等方面,可以给保险公司提供参考与数据支持”,前述保险经纪公司从业人员向蓝鲸保险分析提出。

DANYENEIYETICHU,CONGTONGYUSHIJIDUIANXINBAOXIANCHIGUBILIXIANGDUIJIAOXIAODEQINGKUANGLAIKAN,SHUANGFANGHEZUOSUDUHECHENGDUDETISHENG,QISHIXIANGDUIYOUXIAN。

“ZAICHIGUHOU,SHUIDIBAODUIYUCHANPINDINGZHIDEBAWOLIDUHUICHUXIANTISHENG,DANCONGMUQIANDECHIGUBILILAIKAN,ANXINBAOXIANHUOBINGBUHUIJIANGHEXINMINGANXINXIYUSHUIDIBAOGONGXIANG,ERGUDONGYEBINGBUDAIBIAOJUYOUDUQUANXINBAOXIANYIQIESHUJUDEQUANLI”,LIYANGXIANGLANJINGBAOXIANFENXIZHICHU。

DUIYUSHUANGFANGJINYIBUDEHEZUO,SHUIDIBAOHUIYINGLANJINGBAOXIANBIAOSHI,RUYOUJINYIBUXINXI,HUIANZHAOJIANGUANYAOQIUJISHIGONGKAIPILU。

LIULIANGPINGTAI+HULIANWANGBAOXIANMOSHIQIANJINGKEQI,SAIDAOBUJUSHOUXUZHONGSHIHUIGUIBENYUAN

ZHENGTILAISHUO,DUIYULIULIANGPINGTAIYUHULIANWANGBAOXIANGONGSIDEHEZUOMOSHI,CUNYOUYIDINGDEKEQIDAIKONGJIAN,SHUIDIGONGSICHUANGSHIRENSHENPENGYEZAI2020NIANGONGKAIBIAOLUGUODUIJIAOZHUYUHULIANWANGBAOXIANSAIDAODEKANHAO,“YIQINGZAIYIDINGCHENGDUSHANGCIJILEYONGHUDUIYUJIANKANGXIANDEXUQIU,JIAJULECHANYEDEBIANGESUDU,JINNIANHULIANWANGBAOXIANSAIDAOJIANGYINGLAIDABAOFA”。

DANZAIBUJUGUOCHENGZHONG,YEBAOLUCHUYINHUAN。2020NIAN12YUE,ANXINBAOXIAN、SHUIDIBAODENGSIJIABAOXIANJIGOUYINZAIXUANCHUANXIAOSHOUDUANQIJIANKANGXIANCHANPINZHONGCUNZAIBUSHIXUANCHUAN,SHEJI“QIPIANTOUBAOREN”“WEIANZHAOGUIDINGSHIYONGJINGPIZHUNHUOZHEBEIANDEBAOXIANTIAOKUAN、BAOXIANFEILV”WENTI,BEIJIANGUANDIANMING。

“XUJIAXUANCHUANDEQINGKUANGZAIJINJINIANHULIANWANGBAOXIANSHICHANGPUBIANCUNZAI”,LIYANGQIANGDIAO,XUJIAXUANCHUANDENGZAIYIDINGCHENGDUSHANGSHUYUXINGYEXINGWENTI,“YIFANGMIANZAIYUHULIANWANGBAOXIANXIANGDUIXINXING,JIANGUANTIXIHAIZAIZHUBUDAJIAN、YANGEDEGUOCHENGZHONG;LINGYIFANGMIANZAIYUZAIDAILIRENTONGGUOHULIANWANGJINXINGXIAOSHOU、CHANPINJIEDUSHICHUXIANYINHUAN,BAOXIANGONGSICUNZAINANYISHENHEYUBAKONGDEXIANXIANG。JINQIPILUDEXINBANHULIANWANGBAOXIANJIANGUANBANFA,JIANGWENTIJINXINGQUANZEFENMING,NENGGOUJIAODACHENGDUDIJIEJUEHULIANWANGBAOXIANXUANCHUANHUNLUANDEWENTI”。

“BAOXIANJIGOUBUJUHULIANWANGBAOXIANYEWU,XUYAOMINGQUEZUOHAOHEGUI,DUIBAOXIANBAOZHANGJUYOUJINGWEIXIN,DUIXIAOFEIZHEFUZE,JIANGUANBUMENTIGAOWEIGUICHENGBEN,QIESHIBAOHUXIAOFEIZHELIYI,GUIBIWEIGUIXINGWEI”,XUYUCHENTONGSHITIXINGDAO,“GENBENHAISHIZAIYUXINGYEHUIGUIBENYUAN,WEIXIAOFEIZHEJIANGDIFENGXIAN”。



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