(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
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”。
