Insurance Department mutual gold platform heat is not reduced, is expected to break make money cry –4444.kk.com

Department of insurance mutual gold platform Redubujian is expected to break the "peibenzhuanyaohe" – financial Sohu (original title: Department of insurance mutual gold platform Redubujian is expected to break the "peibenzhuanyaohe" status) Internet financial industry after the insurance agency began to reach the mighty wave crashing on a sandy shore, because the insurance institutions, robustness, strict risk control, so these the platform is more likely to survive, in turn for the insurance agency, can promote the received traffic. Internet banking in recent years due to tighter supervision and mismanagement, shut down or run on the platform constantly. In contrast, in Ping An insurance group, sunshine insurance group, Ampang insurance group led by a number of traditional large insurance firms have to Lu Jin, Jin Hui, state as well as innovation platform into the Internet banking industry, because of its professional ability to control the wind gradually favored by the majority of investors. Coincidentally, in October 20th, the insurance Department of the first payment service company officially announced the establishment of premium service. According to public information, one premium service with registered capital of 1 billion yuan, the insurance group holds 100% of the shares. As the first platform for the layout of the Internet in terms of Internet banking, PICC will be the core business of Inclusive Finance and automotive aftermarket. From the perspective of risk control, control is better than the large Internet Co and business department of mutual gold general platform with traditional financial institutions background banking and Insurance Department of mutual gold wind platform. But the specific financial service ability, unlike bank mutual gold company, insurance company often play each other a gold buyer in the capital market, invest in gold cross platform is to supplement the original business, the development of a more active. The insurance company can integrate quality resources, provide the breakthrough point for the Internet financial platform for profit, compared to other mutual gold company background is also easier to achieve profitability. PICC insurance Department launched first payment service company was formally established in October this year, the premium service, in April obtained the approval of the establishment of the China Insurance Regulatory commission. At the time of the establishment of the CIRC premium service proposed four requirements, mainly focus on four aspects of corporate governance, investment plan, risk aversion and information disclosure, thus the CIRC for premium service was established attention. It is understood that the premium service people mainly engaged in Internet financial information, technology and consulting services, mainly in the early inclusive financial and automotive markets. The concern is that both the inclusive financial business or automotive after market business, people are not subject to abandon the premium service insurance business, but the financial services and insurance derivatives with one hand, insurance business can bring customer traffic for financial services; on the other hand, financial services also enhance the user stickiness, the insurance business can play a role in feeding. At present, people are fighting for premium service approved payment and other financial licenses, then the financial sector of the Internet will get better service. Many insurance companies involved in Internet banking business in fact, people set up the insurance company premium service is not for the first time in the layout of Internet banking platform. In early 2011, Lu Jin Internet financial platform Ping An Insurance Institute was founded in 2012 March officially launched, currently owns a number of businesses and for personal financial services. Up to 201.

保险系互金平台热度不减 有望打破“赔本赚吆喝”-搜狐理财  (原标题:保险系互金平台热度不减 有望打破“赔本赚吆喝”现状)  互联网金融行业经过大浪淘沙,保险机构才开始杀入,由于保险机构的稳健性,风控严格,因此这些平台更容易存活,反过来对于保险机构来说,可以促进获客流量。  互联网金融近年来由于监管趋严和经营不善,停业或者跑路平台接连不断。  与之相对的是,以平安保险集团、阳光保险集团、安邦保险集团为首的多家传统大型险企相继以陆金所、惠金所、邦融汇等创新平台进入互联网金融行业,由于其专业系统的风控能力逐步受到广大投资者的青睐。  无独有偶,10月20日,保险系首个金服公司人保金服正式宣布成立。据公开资料显示,人保金服注册资金为10亿元,人保集团持有其100%的股份。作为人保集团在互联网金融方面布局的首个平台,前期将以普惠金融和汽车后市场作为公司核心业务。  从风控层面来讲,一般来说具有传统金融机构背景的银行系和保险系互金平台的风控要优于大型互联网公司和创业系互金平台。但就具体金融服务能力来说,与银行系互金公司不同,保险系互金公司在资本市场经常扮演买方,投入资源发展互金平台是原有业务的补充,发展更为活跃。  保险公司可以整合优质资源,为互联网金融平台盈利提供突破点,相比其他背景的互金公司也更容易实现盈利。  人保推出保险系首个金服公司  正式成立于今年10月份的人保金服,在4月份就得到了保监会的批准筹建。保监会当时对人保金服的设立提出了四点要求,主要集中在公司治理、投资方案、风险规避及信息披露等四个方面,由此可见保监会对人保金服成立的重视。  据了解,人保金服主要从事互联网金融信息、技术和咨询服务,前期主要以普惠金融及汽车后市场为主。  值得关注的是,无论是普惠金融业务还是汽车后市场业务,人保金服都没有摒弃主体的保险业务,而是将衍生的金融服务与保险结合,一方面保险业务能为金融服务带来客户流量;另一方面金融服务也增强了用户黏性,对保险业务可起到反哺作用。  目前人保金服也在争取获批支付等金融牌照,届时互联网金融板块将得到更好服务。  多家保险公司介入互联网金融业务  实际上,人保金服的成立并非保险公司在互联网金融平台上的首次布局。早在2011年,平安保险旗下的互联金融平台陆金所就已经成立,2012年3月份正式上线,目前旗下拥有针对于个人及企业的多项金融服务。截至2016年8月末,注册用户已超过2500万,今年上半年总交易金额达3.2万亿元。  中国平安在年报中披露,公司目前的互联网金融业务对整体业务已开始产生贡献,主要体现在为主营业务带来了新的获客方式,据了解,今年上半年新增的客户中,来自互联网的用户占比达35.9%。  除平安保险外,安邦保险、阳光保险在互联网金融方面都有所布局。安邦保险旗下的安邦金融于10月27日正式在金博会上亮相,安邦方面表示,安邦金融平台聚合了公司旗下多款保险、基金及理财等金融产品,还提供互联网借贷等服务。此外,在2014年12月份成立的邦融汇也是安邦旗下的互联网金融平台之一,不过据安邦相关人士介绍,邦融汇与安邦金融是两个完全独立的平台,前者主要侧重于个人投资理财产品的运营,而后者更加全面,可以购买保险、证券、银行理财产品等。  阳光保险旗下则有惠金所、笑脸金融两个互联网金融平台。惠金所于2015年7月推出,截至今年10月21日,惠金所注册用户已达50万人,线上交易金额达37亿。目前惠金所的业务体系包括线上投资业务和线下机构业务两块。其中,线上投资产品主要包括车、房产抵质押的固收产品、地方交易所发行的固定收益类理财计划、指数挂钩型产品等。线下机构业务则包括:ABS、FOHF、居间业务和机构投资多种业务类型,它们的资金端都是对接银行、保险、基金、信托、券商等机构。笑脸金融则成立于近期,据公开资料显示,笑脸金融由阳光保险集团与中国华电集团联合打造,主要专注于家庭财富管理业务。  上述提及的保险系互联网金融平台中,陆金所与惠金所显然已形成了自身的运营风格,即更多地倾向于机构业务而并非个人投资。  超九成互金平台未盈利  目前,我国的互联网金融平台可以粗略分为银行系、上市公司系、国资系、民营系、BAT系等,背靠保险公司的“保险系”互联网金融平台在竞争者众多的情况下优势十分明显。这些优势一方面来源于公众对于保险公司的信任,这种信任转移到保险系互联网金融平台上,间接拉低了获客成本。另一方面,作为主要控股的保险公司拥有很强的投资风控能力,资金安全性大大提高,对于追求稳健的投资者来说自然是较为稳妥的选择。  而从保险公司的角度来看,互联网金融平台的开创也能为其主体的保险业务带来新的流量,对于促进保险公司加快互联网步伐也有一定的战略意义。  但据统计,超过90%的互联网金融平台目前仍未实现盈利,保险公司在互联网金融平台上动辄数亿元的投资能否收回成本?何时才能实现盈利呢?  与普通的互联网金融平台有所不同,保险系互联网金融平台因为拥有更广阔的市场基础,所以能围绕个人或机构开展更多的金融业务,这也使得保险公司能够突破一般的互联网金融平台主要依靠利差、计息管理费、VIP费等方式赢取利润的盈利模式。相关的主题文章: