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衡阳衷琅教育咨询有限公司_陈志华谈互联网保险“小趋势”,更多大公司进入互助领域陈志华新浪财经

????新浪财经1月5日报道称,“2019年汇宝世界保险大会——走向理性繁荣之路”今天在北京举行。吴空保险创始人陈志华于2019年出版了《互联网保险十大“小趋势”。他认为网络保险确实在做“保险姓保险”。陈志华表示,2019年互联网保险将继续以几何水平增长。传统的线下代理渠道用了10多年的时间,实现了100亿元的菜品,而互联网保险寿险在不到10年的时间内就可以达到100亿元。对于火爆的互助保险,陈志华表示,监管创新在2018年,很多人认为,互联网互助保险不仅能满足危机,还能满足最低监管要求,而且如果有保险口袋,就可以做到互助,这是一个明确的信号弹。2019年,将有更多的主体和流动巨人进入互助领域。陈志华:非常感谢惠宝世界的胡琼女士。两三年前,我们在冬天吃了一顿饭,就把同一辆车带回家了。我问她是否想创业。创业很难。我想再把一个妹妹拉下水。她说她会做的。所以,今天的现场应该祝贺她!今天,作为一名企业家,我想回顾一下我们过去三年在互联网领域所做的工作。其中,我们有经验,但更多的人还有教训。与2017年相比,2018年互联网保险市场停滞不前。从我的角度看,网络保险市场在财务管理和汽车保险方面出现下滑,但网络健康保险、数百万医疗保险、大病保险和意外伤害保险增长很快。我认为网络保险确实在做“保险姓保险”。市场上的差距是巨大的。目前,中国保险结构中80%以上的产品都是财务管理产品。与美国保险市场的产品结构相比,我国保险业存在较大差距。当中国保险市场的安全产品达到80%的份额时,我相信这将是互联网保险和传统保险的春天。2019年,互联网保险将继续以几何形式增长。传统的线下代理渠道已经花了10多年的时间,达到了100亿元的菜品,但我坚信,在不到10年的时间里,互联网保险寿险可以达到100亿元。打破信息不对称,网络保险的优势是显而易见的,但也很困难。如果大家都知道,大公司寿险产品的价格普遍高于中小型公司,网络产品的价格低于线下产品的价格,即使保险公司处于危机之中,背后也有保险保障基金。这三个方面的理解,前两个是关于成本效益比,第三个是关于安全,如果每个消费者都知道这三个方面。互联网保险的春天将来得更快。但打破这种信息不对称可能需要几代人甚至更长的时间。2。互联网保险用户。网络保险用户有三个特点。一是保护青年和老年人。根据武钢保险的数据,2017年80后占比超过50%,2018年90后占比超过80后,占比接近55%。这说明社会变化迅速,平均项目数达到2项。对保险的认识和理解远高于70、60后,其次是意识的觉醒。什么是保险的理解?为什么要买保险?我怎么买保险?作为互联网保险的原住民,他们通过网络对互联网的理解和使用,如大V、网络媒体的知识和信息判断等做出决策。随着90年代后和00年代后的增长,这种趋势已经出现。互联网保险服务主要面向80后、90后和未来90后,通过对所有用户年龄的分析,他们中的大多数是70后,而银行保险的大多数是60后,这三个不同的群体通过不同的渠道获得产品。第三,产品差异化。青年人在考虑财务管理之前,更注重医疗保险、大病保险、意外伤害保险等保障产品。三。互联网保险产品。保险产品复杂、频率低。悟空保险始终强调保护的优先性,致力于将产品成本降到最低。两年前,我行网络销售长期大病,三天内实现1000万元规模,带动全行业开展网络销售和长期寿险产品经营。从目前的结果来看,网络菜品比两年前扩大了很多,网络产品的价格也大幅下降。降价的原因有三个:一是社会渠道成本大幅下降;二是互联网替代人工劳动;三是纸张脱销。今后,大病保险的价格再也不能继续下跌了。因此,保险产品的第一阶段是促进竞争。今后,将进一步提高竞争体系的运行能力、成本控制和效率。4。互联网保险流量。过去,我在京东金融工作时,做过很多尝试。我曾经认为,只要简化了网上产品的责任,并且价格低廉,用户就会在主页上购买它。但实际上,转换率很低。因此,不一定有业务规模的流动,整体转化率仍然很低,如何形成一个系统的运营能力,这是决定未来互联网保险发展的核心。因此,有些人可能没有生意,但没有人不能没有生意。5。网络保险发展的关键在于科学技术。在过去的两年里,科学技术在网络保险中已经说了很多。科技养老在保险成本控制和风险控制中起着至关重要的作用。不管你信不信,这种趋势已经不知不觉地融入了日常生活。科学技术的差异化不会被颠覆,知识、信任和行动在一方面可以抓住第一个机会,为未来产业的变革和创新带来好处。在过去的三年里,互联网业务模式很多,包括产品、渠道、工具、价格比较、理赔数据等,有200多家具有融资经验的保险初创企业。一些初创企业已经成为领导者。2019年互联网保险市场将从底部反弹。有人说所有的东西都是在微信上成长的。我认为一切都是在保险的基础上发展起来的。有3万亿元的菜品,其中人寿保险2万亿元以上,财产保险8000亿元以上。这是一个非常大的市场规模。不管创业从哪里开始,只要它根深蒂固,根深蒂固,它就能活得很好。我们认为网络保险是一种趋势。把70年代后的人变成互联网土着的成本太高了。但是,当90后、00后乃至后人长大后,我们的70后开始退出舞台。届时,互联网保险的春天将提前到来。同时,我们坚信800万线下代理的优势不会长期消失。说到美国市场,代理商仍然是主流销售渠道。虽然过去我们更注重在线,但2019年我们开始做全面布局,在线客户和线下产品定制、线下O2、新零售,都会发现保险业将逐步形成主流。7。共同保险。在2018年的监管创新中,很多人认为互联网互助和保险可以满足最低监管要求,而不存在单纯转换的危机,如果有保险口袋,可以进行互助,这是一个明确的信号。无论是否是最新的条目,武钢保险都将很快推出互助保险。需求一直存在,按照金字塔原则可以分为三类:第一,金字塔顶端的富人除了遗产规划外,对医疗保险或大病保险的需求很弱,因为家庭成员可以随时支付100万元的医疗费用。这些人不需要保险,在金字塔的底部,他们既没有社会保险,也没有重病保险。商业保险也需要高利息贷款来满足和维持其生计。这一组位于整座塔中,这是一个大库存。互助保险一个月可获得2000万用户,这也反映了该集团的强劲需求。除了塔尖和塔底的部分,金字塔中间的那一组人收入不错,但汽车贷款和住房贷款使他们负债累累。这个团体最需要商业保险。互助有能力获得大规模的在线访客。这一群体对风险、焦虑和焦虑有一定的认识。保险交易本身的频率很低。通过吸引顾客,这个群体的人可以聚集在一起,把个人变成群体的高频活动。这是一个教育消费者的好机会。如果此时能实现产品的概念、服务和操作,转化率将非常高。我们认为,2019年,将有更多的主要参与者和交通巨头进入互助领域。8。互联网保险资本。对于初创企业来说,创业是融资,尤其是在当前的首都冬季。近年来,许多互联网巨头纷纷合并,如Drop和Uber、American Corps和Popular Commentary、58家以及市场。你会发现,整个资本依赖于烧钱来形成垄断的障碍,但这种商业模式目前很难实现,资本将回归其本质。现在有很多初创企业,无论从哪一点开始,当风险项目和资本相距很远的时候,估值一定很难,这是目前的一种深刻感受。如果你能在寒冷的冬天得到首都,你一定是个幸运的人。首先,你有很高的安全系数。第二,此时可以向后操作。9。竞争与合作。互联网的力量是无限的。互联网平台上数以百万计的医疗保险用户主要是90后和00后,传统保险和商业保险着眼于库存和增量。我相信,在未来的黄金十年里,当保险结构开始于金融管理的第八和第八次开放时,无论是股票还是增量,中国的保险市场仍然是一个快速增长的市场。没有所谓的竞争或PK。这个市场空间太大了。在互联网金融结构中,传统保险公司和风险保险机构仍在快速发展。这一结构将是完整的、共存的。10。监管是目前互联网保险中最具争议性、讨论性和分歧性的领域。目前没有相关政策。目前,年金保险和大病保险不需要放开产品线和区域。所有的起点都是基于用户的考虑。实践是检验真理的唯一标准,这就是我们的判断。今天,我将向大家简要介绍三年创业思路,供大家参考。谢谢您。责任编辑:杨帆SF034

xin lang cai jing 1 yue 5 ri bao dao cheng," 2019 nian hui bao shi jie bao xian da hui zou xiang li xing fan rong zhi lu" jin tian zai bei jing ju xing. wu kong bao xian chuang shi ren chen zhi hua yu 2019 nian chu ban le hu lian wang bao xian shi da" xiao qu shi". ta ren wei wang luo bao xian que shi zai zuo" bao xian xing bao xian". chen zhi hua biao shi, 2019 nian hu lian wang bao xian jiang ji xu yi ji he shui ping zeng zhang. chuan tong de xian xia dai li qu dao yong le 10 duo nian de shi jian, shi xian le 100 yi yuan de cai pin, er hu lian wang bao xian shou xian zai bu dao 10 nian de shi jian nei jiu ke yi da dao 100 yi yuan. dui yu huo bao de hu zhu bao xian, chen zhi hua biao shi, jian guan chuang xin zai 2018 nian, hen duo ren ren wei, hu lian wang hu zhu bao xian bu jin neng man zu wei ji, hai neng man zu zui di jian guan yao qiu, er qie ru guo you bao xian kou dai, jiu ke yi zuo dao hu zhu, zhe shi yi ge ming que de xin hao dan. 2019 nian, jiang you geng duo de zhu ti he liu dong ju ren jin ru hu zhu ling yu. chen zhi hua: fei chang gan xie hui bao shi jie de hu qiong nv shi. liang san nian qian, wo men zai dong tian chi le yi dun fan, jiu ba tong yi liang che dai hui jia le. wo wen ta shi fou xiang chuang ye. chuang ye hen nan. wo xiang zai ba yi ge mei mei la xia shui. ta shuo ta hui zuo de. suo yi, jin tian de xian chang ying gai zhu he ta! jin tian, zuo wei yi ming qi ye jia, wo xiang hui gu yi xia wo men guo qu san nian zai hu lian wang ling yu suo zuo de gong zuo. qi zhong, wo men you jing yan, dan geng duo de ren hai you jiao xun. yu 2017 nian xiang bi, 2018 nian hu lian wang bao xian shi chang ting zhi bu qian. cong wo de jiao du kan, wang luo bao xian shi chang zai cai wu guan li he qi che bao xian fang mian chu xian xia hua, dan wang luo jian kang bao xian shu bai wan yi liao bao xian da bing bao xian he yi wai shang hai bao xian zeng zhang hen kuai. wo ren wei wang luo bao xian que shi zai zuo" bao xian xing bao xian". shi chang shang de cha ju shi ju da de. mu qian, zhong guo bao xian jie gou zhong 80 yi shang de chan pin dou shi cai wu guan li chan pin. yu mei guo bao xian shi chang de chan pin jie gou xiang bi, wo guo bao xian ye cun zai jiao da cha ju. dang zhong guo bao xian shi chang de an quan chan pin da dao 80 de fen e shi, wo xiang xin zhe jiang shi hu lian wang bao xian he chuan tong bao xian de chun tian. 2019 nian, hu lian wang bao xian jiang ji xu yi ji he xing shi zeng zhang. chuan tong de xian xia dai li qu dao yi jing hua le 10 duo nian de shi jian, da dao le 100 yi yuan de cai pin, dan wo jian xin, zai bu dao 10 nian de shi jian li, hu lian wang bao xian shou xian ke yi da dao 100 yi yuan. da po xin xi bu dui chen, wang luo bao xian de you shi shi xian er yi jian de, dan ye hen kun nan. ru guo da jia dou zhi dao, da gong si shou xian chan pin de jia ge pu bian gao yu zhong xiao xing gong si, wang luo chan pin de jia ge di yu xian xia chan pin de jia ge, ji shi bao xian gong si chu yu wei ji zhi zhong, bei hou ye you bao xian bao zhang ji jin. zhe san ge fang mian di li jie, qian liang ge shi guan yu cheng ben xiao yi bi, di san ge shi guan yu an quan, ru guo mei ge xiao fei zhe dou zhi dao zhe san ge fang mian. hu lian wang bao xian de chun tian jiang lai de geng kuai. dan da po zhe zhong xin xi bu dui chen ke neng xu yao ji dai ren shen zhi geng zhang de shi jian. 2. hu lian wang bao xian yong hu. wang luo bao xian yong hu you san ge te dian. yi shi bao hu qing nian he lao nian ren. gen ju wu gang bao xian de shu ju, 2017 nian 80 hou zhan bi chao guo 50, 2018 nian 90 hou zhan bi chao guo 80 hou, zhan bi jie jin 55. zhe shuo ming she hui bian hua xun su, ping jun xiang mu shu da dao 2 xiang. dui bao xian de ren shi he li jie yuan gao yu 70 60 hou, qi ci shi yi shi de jue xing. shen me shi bao xian de li jie? wei shen me yao mai bao xian? wo zen me mai bao xian? zuo wei hu lian wang bao xian de yuan zhu min, ta men tong guo wang luo dui hu lian wang de li jie he shi yong, ru da V wang luo mei ti de zhi shi he xin xi pan duan deng zuo chu jue ce. sui zhe 90 nian dai hou he 00 nian dai hou de zeng zhang, zhe zhong qu shi yi jing chu xian. hu lian wang bao xian fu wu zhu yao mian xiang 80 hou 90 hou he wei lai 90 hou, tong guo dui suo you yong hu nian ling de fen xi, ta men zhong de da duo shu shi 70 hou, er yin hang bao xian de da duo shu shi 60 hou, zhe san ge bu tong de qun ti tong guo bu tong de qu dao huo de chan pin. di san, chan pin cha yi hua. qing nian ren zai kao lv cai wu guan li zhi qian, geng zhu zhong yi liao bao xian da bing bao xian yi wai shang hai bao xian deng bao zhang chan pin. san. hu lian wang bao xian chan pin. bao xian chan pin fu za pin lv di. wu kong bao xian shi zhong qiang diao bao hu de you xian xing, zhi li yu jiang chan pin cheng ben jiang dao zui di. liang nian qian, wo xing wang luo xiao shou chang qi da bing, san tian nei shi xian 1000 wan yuan gui mo, dai dong quan hang ye kai zhan wang luo xiao shou he chang qi shou xian chan pin jing ying. cong mu qian de jie guo lai kan, wang luo cai pin bi liang nian qian kuo da le hen duo, wang luo chan pin de jia ge ye da fu xia jiang. jiang jia de yuan yin you san ge: yi shi she hui qu dao cheng ben da fu xia jiang er shi hu lian wang ti dai ren gong lao dong san shi zhi zhang tuo xiao. jin hou, da bing bao xian de jia ge zai ye bu neng ji xu xia die le. yin ci, bao xian chan pin de di yi jie duan shi cu jin jing zheng. jin hou, jiang jin yi bu ti gao jing zheng ti xi de yun xing neng li cheng ben kong zhi he xiao lv. 4. hu lian wang bao xian liu liang. guo qu, wo zai jing dong jin rong gong zuo shi, zuo guo hen duo chang shi. wo ceng jing ren wei, zhi yao jian hua le wang shang chan pin de ze ren, bing qie jia ge di lian, yong hu jiu hui zai zhu ye shang gou mai ta. dan shi ji shang, zhuan huan lv hen di. yin ci, bu yi ding you ye wu gui mo de liu dong, zheng ti zhuan hua lv reng ran hen di, ru he xing cheng yi ge xi tong de yun ying neng li, zhe shi jue ding wei lai hu lian wang bao xian fa zhan de he xin. yin ci, you xie ren ke neng mei you sheng yi, dan mei you ren bu neng mei you sheng yi. 5. wang luo bao xian fa zhan de guan jian zai yu ke xue ji shu. zai guo qu de liang nian li, ke xue ji shu zai wang luo bao xian zhong yi jing shuo le hen duo. ke ji yang lao zai bao xian cheng ben kong zhi he feng xian kong zhi zhong qi zhe zhi guan zhong yao de zuo yong. bu guan ni xin bu xin, zhe zhong qu shi yi jing bu zhi bu jue di rong ru le ri chang sheng huo. ke xue ji shu de cha yi hua bu hui bei dian fu, zhi shi xin ren he xing dong zai yi fang mian ke yi zhua zhu di yi ge ji hui, wei wei lai chan ye de bian ge he chuang xin dai lai hao chu. zai guo qu de san nian li, hu lian wang ye wu mo shi hen duo, bao kuo chan pin qu dao gong ju jia ge bi jiao li pei shu ju deng, you 200 duo jia ju you rong zi jing yan de bao xian chu chuang qi ye. yi xie chu chuang qi ye yi jing cheng wei ling dao zhe. 2019 nian hu lian wang bao xian shi chang jiang cong di bu fan dan. you ren shuo suo you de dong xi dou shi zai wei xin shang cheng zhang de. wo ren wei yi qie dou shi zai bao xian de ji chu shang fa zhan qi lai de. you 3 wan yi yuan de cai pin, qi zhong ren shou bao xian 2 wan yi yuan yi shang, cai chan bao xian 8000 yi yuan yi shang. zhe shi yi ge fei chang da de shi chang gui mo. bu guan chuang ye cong na li kai shi, zhi yao ta gen shen di gu, gen shen di gu, ta jiu neng huo de hen hao. wo men ren wei wang luo bao xian shi yi zhong qu shi. ba 70 nian dai hou de ren bian cheng hu lian wang tu zhu de cheng ben tai gao le. dan shi, dang 90 hou 00 hou nai zhi hou ren zhang da hou, wo men de 70 hou kai shi tui chu wu tai. jie shi, hu lian wang bao xian de chun tian jiang ti qian dao lai. tong shi, wo men jian xin 800 wan xian xia dai li de you shi bu hui chang qi xiao shi. shuo dao mei guo shi chang, dai li shang reng ran shi zhu liu xiao shou qu dao. sui ran guo qu wo men geng zhu zhong zai xian, dan 2019 nian wo men kai shi zuo quan mian bu ju, zai xian ke hu he xian xia chan pin ding zhi xian xia O2 xin ling shou, dou hui fa xian bao xian ye jiang zhu bu xing cheng zhu liu. 7. gong tong bao xian. zai 2018 nian de jian guan chuang xin zhong, hen duo ren ren wei hu lian wang hu zhu he bao xian ke yi man zu zui di jian guan yao qiu, er bu cun zai dan chun zhuan huan de wei ji, ru guo you bao xian kou dai, ke yi jin xing hu zhu, zhe shi yi ge ming que de xin hao. wu lun shi fou shi zui xin de tiao mu, wu gang bao xian dou jiang hen kuai tui chu hu zhu bao xian. xu qiu yi zhi cun zai, an zhao jin zi ta yuan ze ke yi fen wei san lei: di yi, jin zi ta ding duan di fu ren chu le yi chan gui hua wai, dui yi liao bao xian huo da bing bao xian de xu qiu hen ruo, yin wei jia ting cheng yuan ke yi sui shi zhi fu 100 wan yuan de yi liao fei yong. zhei xie ren bu xu yao bao xian, zai jin zi ta de di bu, ta men ji mei you she hui bao xian, ye mei you zhong bing bao xian. shang ye bao xian ye xu yao gao li xi dai kuan lai man zu he wei chi qi sheng ji. zhe yi zu wei yu zheng zuo ta zhong, zhe shi yi ge da ku cun. hu zhu bao xian yi ge yue ke huo de 2000 wan yong hu, zhe ye fan ying le gai ji tuan de qiang jing xu qiu. chu le ta jian he ta di de bu fen, jin zi ta zhong jian de na yi zu ren shou ru bu cuo, dan qi che dai kuan he zhu fang dai kuan shi ta men fu zhai lei lei. zhe ge tuan ti zui xu yao shang ye bao xian. hu zhu you neng li huo de da gui mo de zai xian fang ke. zhe yi qun ti dui feng xian jiao lv he jiao lv you yi ding de ren shi. bao xian jiao yi ben shen de pin lv hen di. tong guo xi yin gu ke, zhe ge qun ti de ren ke yi ju ji zai yi qi, ba ge ren bian cheng qun ti de gao pin huo dong. zhe shi yi ge jiao yu xiao fei zhe de hao ji hui. ru guo ci shi neng shi xian chan pin de gai nian fu wu he cao zuo, zhuan hua lv jiang fei chang gao. wo men ren wei, 2019 nian, jiang you geng duo de zhu yao can yu zhe he jiao tong ju tou jin ru hu zhu ling yu. 8. hu lian wang bao xian zi ben. dui yu chu chuang qi ye lai shuo, chuang ye shi rong zi, you qi shi zai dang qian de shou du dong ji. jin nian lai, xu duo hu lian wang ju tou fen fen he bing, ru Drop he Uber American Corps he Popular Commentary 58 jia yi ji shi chang. ni hui fa xian, zheng ge zi ben yi lai yu shao qian lai xing cheng long duan de zhang ai, dan zhe zhong shang ye mo shi mu qian hen nan shi xian, zi ben jiang hui gui qi ben zhi. xian zai you hen duo chu chuang qi ye, wu lun cong na yi dian kai shi, dang feng xian xiang mu he zi ben xiang ju hen yuan de shi hou, gu zhi yi ding hen nan, zhe shi mu qian de yi zhong shen ke gan shou. ru guo ni neng zai han leng de dong tian de dao shou du, ni yi ding shi ge xing yun de ren. shou xian, ni you hen gao de an quan xi shu. di er, ci shi ke yi xiang hou cao zuo. 9. jing zheng yu he zuo. hu lian wang de li liang shi wu xian de. hu lian wang ping tai shang shu yi bai wan ji de yi liao bao xian yong hu zhu yao shi 90 hou he 00 hou, chuan tong bao xian he shang ye bao xian zhuo yan yu ku cun he zeng liang. wo xiang xin, zai wei lai de huang jin shi nian li, dang bao xian jie gou kai shi yu jin rong guan li de di ba he di ba ci kai fang shi, wu lun shi gu piao hai shi zeng liang, zhong guo de bao xian shi chang reng ran shi yi ge kuai su zeng zhang de shi chang. mei you suo wei de jing zheng huo PK. zhe ge shi chang kong jian tai da le. zai hu lian wang jin rong jie gou zhong, chuan tong bao xian gong si he feng xian bao xian ji gou reng zai kuai su fa zhan. zhe yi jie gou jiang shi wan zheng de gong cun de. 10. jian guan shi mu qian hu lian wang bao xian zhong zui ju zheng yi xing tao lun xing he fen qi xing de ling yu. mu qian mei you xiang guan zheng ce. mu qian, nian jin bao xian he da bing bao xian bu xu yao fang kai chan pin xian he qu yu. suo you de qi dian dou shi ji yu yong hu de kao lv. shi jian shi jian yan zhen li de wei yi biao zhun, zhe jiu shi wo men de pan duan. jin tian, wo jiang xiang da jia jian yao jie shao san nian chuang ye si lu, gong da jia can kao. 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