Zhongyi Insurance Broker Dai Jia: How to stand in the market from insurance intermediary to risk management insurance brokerage company

Southern Finance All Media Reporter Sun Shihui Shanghai report

In recent years, the regulatory authorities have repeatedly put forward suggestions on promoting the construction of a new insurance intermediary market system.

As early as 2020, the China Banking Regulatory Commission issued the "Guidance Opinions of the China Banking Regulatory Commission on promoting the high -quality development of the banking and insurance industry", and proposed to promote the construction of a new insurance intermediary market system.

In the face of the new situation, the industry and supervision of the new requirements for insurance agencies, Dai Jia, general manager of Zhongyi Insurance Broker, said in an exclusive interview with the 21st Century Business Herald. Essence But now we want to provide more comprehensive services for both parties. Including risk identification, risk pricing, design of insurance plans, combinations of insurance products, and subsequent claims services, customer risk management systems.

From insurance intermediary to risk management

Dai Jia said that the insurance brokerage company must play its due role in the insurance market and empower the insurance industry and market. In addition to the risk management of customers in multiple dimensions, it can also better help China better help China The healthy development of the insurance market makes the insurance market more transparent and more information circulation, so that the market is more well -founded from the price planning to the design of the underwriting plan.

Compared with the functions of insurance intermediaries, Dai Jia hopes that in the future, the company can appear more as a solution provider. Compared to a single insurance product, he believes that the greater opportunity is to cover risk exposure to customers.

Talking about the specific implementation process, he introduced that, first of all, the insurance brokerage company needs to understand which industries have risks, and then provide a risk solution based on the current risks. This plan may come from a insurance company, which may come from multiple insurance companies. It may even come from the insurance market at home and abroad.

For example, in recent years, the semiconductor chip industry has been invested in a lot of funds in recent years, and industry -related risk exposure needs to be covered. This requires detailed research from the source of risks to participate in the construction of integrated circuits and semiconductors, and then then Do risk recognition, risk pricing, and then design the insurance solution in the later period. The final risk solution may cover both insurance products in the traditional insurance market and the support of insurance insurance capabilities in the international reinsurance market. Covering the service portfolio from design to the full -process risk control, is an insurance solution that the insurance market is willing to undertake and is willing to pay for customers.

Express the incremental market

He said that with the development of science and technology and the development of society, new risk exposure has appeared.

Some risk exposure is short -term, which appears in a specific historical period. Some are long -term risk exposure, such as high -tech, network, and network risks formed by the collection of large amounts of data. There are also new types of risk exposure or risk needs generated under the continuous social system. These are all research by insurance brokerage companies. Some exposure may currently have no mature solutions in the insurance market or a single solution that is not mature, so you need to use risk analysis, risk identification, digitalization, and quantitative risk, and then follow the insurance company, insurance market and even directly with capital and capital. The market does an interaction to design solutions, which will be what insurance brokerage companies need to dig in the stock market.

Dai Jia said that the excavation and coverage of risk exposure is exactly the main source of incrementing the insurance brokerage market.

He believes that there are two aspects of the incremental increase in insurance brokerage companies in the future:

First, how to combine the entire market and cost capabilities to cover customers' insurance demand. Often, in many cases, customers have a lot of risk exposure, but an insurance company has no way to provide a complete solution by relying on the domestic insurance market alone. For these customers, insurance brokerage companies need to combine the entire insurance market and international market to form a solution.

2. Many customers have encountered some emerging risks, but it is difficult to find ready -made insurance products in the current insurance market to cover it, or the guarantee that ready -made insurance products can provide very limited protection. Therefore, for a brokerage company, how to make risk analysis clearly make it a risk that an insurance company is willing to underweck or insurance company is confident to underwrite, which is the current insurance brokerage company.

"In a sense, insurance brokerage companies are to discover new risk exposure, and then provide a better opportunity for insurance companies to examine these risk exposure, so that the two parties can develop new insurance products together to cover these risks together . "Dai Jia said.

Breaking the homogeneity service of insurance products is the key

Facing the problem of homogeneity of insurance products on the current market, Dai Jia believes that, as far as insurance products itself is concerned, traditional insurance products are relatively easy to copy. However, from another perspective, homogeneous critical illness or millions of medical products do not represent homogeneous services. It is difficult for the later service levels of the policy to claim, match the medical resources, and customer service. With the so -called homogeneity, different companies will be very different in terms of services.

On the other hand, in terms of underwriting and pricing, although based on the same insurance policy, their respective understanding of risks, their own data resources, risk preferences, and experience are different, and there will be very different differences in the underwriting end. Some people are more willing to charge higher premiums to cover some frequent diseases. Some people are more willing to avoid some risks and ensure relatively rare diseases. In this regard, companies will still have a very big difference. Therefore, homogeneity is the policy itself, but the service that surrounds the policy after the insurance before the insured is very different.

As a brokerage company, Dai Jia said that Zhongyi also hopes to give customers a combination of insurance solutions, or a combination of a service. This combination is often not a single insurance company that can be completely covered. Perhaps the customer's needs are to combine the insurance company plus life insurance company, coupled with the combination of third -party service providers, and the company's own service capabilities, which is the customer’s risk solution. This is exactly the value of insurance brokerage companies. Essence

Finally, when talking about the environment of the entire insurance market, Dai Jia is still full of confidence. He said that, as a whole, although the insurance market has slowed down from the past few years, it is more structural adjustment. Some traditional insurance products or insurance branches may be relatively fast as before, but from some new fields such as health insurance and family insurance, new demand is developing rapidly. It is expected that the market will have structure in the future. Sex adjustment.

(Coordinating: Ma Chunyuan)

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