中国保险中介白皮书发布 保险中介3.0时代已经到来

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最近,《中国保险中介行业发展趋势白皮书》(以下简称“白皮书”)预计,由新的数字调解平台引领的保险中介3.0时代已经到来。场景化,数据化和智能是重要的特征。

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中国保险中介发展的三个阶段

保险中介一直是推动保险业发展的重要力量。 2018年,保险中介渠道的保费收入占保费收入总额的80%以上。

随着互联网技术在保险业的不断渗透,保险中介也在商业模式,渠道变化,保险购买情景,精准营销,数字运营和理赔服务方面不断进行改革和创新。白皮书指出,保险中介业的发展分为三个阶段:

1.0时代:以个体营销系统为代表,保险公司已经学习并极大地促进了中国保险业(特别是人寿保险业)的发展;

2.0时代:专业保险中介机构的兴起和兴起。保险中介从中立客观的角度为客户提供保险营销服务和风险管理建议,加快“生产与销售分离”趋势下的发展;

3.0时代:随着互联网继续渗透到保险业,由交通和生态情景驱动的互联网保险中介开始出现。这些新兴的中介机构创新了传统的保险中介机构和营销方法,并与传统的保险中介机构形成了新的中介机构。竞争与合作。

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白皮书预测,中国的保险中介行业将受技术和生态的驱动,成为轻资产,数字化和精细化的发展模式,并通过建立核心能力来推动长期发展。

服务的扩展和服务的改进使客户和保险公司之间的联系更加高效和专业。

In the context of the industry trend of “separation of production and sales”, as an independent professional third-party platform, intermediaries play a vital role in bridging the bridge between consumers and insurance companies.

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Zhou Wei, China's financial industry management consulting partner, said: "Insurance intermediaries have always been an important force in promoting the development of China's insurance industry. On the basis of the 2.0 era of marketers and the traditional professional intermediary 2.0 era, with the rapid development of Internet technology, in recent years A new digital mediation platform based on Internet traffic and scenarios has emerged. Many innovations have been made in business models, channel changes, scene acquisition, precision marketing, and digital operations. China's insurance intermediary industry has entered the 3.0 era.”

With the rise of third-party channels of the Internet, in the cooperation with insurance companies, the intermediary's right to speak is also increasing, and the influence of insurance intermediaries on the insurance industry is gradually increasing.

Yangguang Network)xx