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Data:2009-12-12 2:34
Had to start due to heavy investment in 2000 reached the most investment in China's Internet's Ping An Insurance PA18. COM Web site, and now finally usher in the harvest season. Starting in June this year, a total of 40 billion yuan, insurance cargo insurance project will be gradually achieved through the site. Universal in the global network economy troubled environment, China to PA18. COM as the representative of financial e-commerce sites can achieve such encouraging results, somewhat surprisingly, it is speculated whether this meant that China's insurance e-commerce for its own development to find direction?
e-Ping begun to taste the fruits of
At the recent safe online traffic travel insurance news conference, the company's customer resource management center, Head of Internet for Insurance, Mr. Ying-song to reporters about the Web as a medium to large orders through the large sign: This year in May, PA18 . COM Web site following the auto parts online quotes, personal accident insurance, the realization of the cargo insurance online sales. May 15, China's first-line cargo insurance policy issued in Hangzhou, and many news media reported the matter. Did not expect that the coverage for the four billion yuan in Ping An Insurance Company has brought great business opportunities for the insured amount.
The article was published at a time when Shanghai maglev train project launched in Shanghai to check the several insurance companies keep a close eye forward to this project and hoped to cover the import of equipment of this project cargo insurance, among the same industry is fiercely competitive. Happen to be in this time, in charge of the staff in the newspaper to see China's Ping An Insurance Company achieved a cargo insurance online marketing news, Ping An insurance company on their own initiative and to get in touch, would like to know more detailed situation.
When they looked safe business personnel on-site demonstration of this system was very excited that if we can make use of the system operation cargo insurance, can be significant cost savings. During the consultations on the details, they decided to adopt the magnetic levitation train the network to complete a full cargo of imported equipment insurance coverage, with a total insurance of 40 million yuan.
Can be competitive in this project successful win, so that people more convinced safe "science and technology is productivity" phrase words of wisdom, but also more determined to achieve their strategic goal of safe e-confidence.
China Ping An Insurance Company Chief Information Officer Mr. Zhang Zixin has described the future of safe e-commerce: Technology platform for the unification of all peace, the company production, longevity, card, investment and the business will be organically integrated in the same platform, this platform supports the peace of the sales and business innovation. At the same time, it is open, you can and banks, securities firms and other related financial institutions, the network system may be accessed. Building such a platform, the ultimate goal is the ability to multi-product, multi-channel to serve the customers, meet their needs.
Create a more cost-effective
Type of service
Observation of PA18. COM Web site launched more than a year's development path, we can easily find e-commerce is safe for science and technology investment, the accumulation of scientific and technological resources, not simply to build a web site so simple. Safe e-commerce is not a safe product exhibition stand, but safe to use technology to upgrade the company's marketing capabilities and the promotion of business innovation as a framework, PA18. COM Web site is a complete architecture that is an important carrier.
The starting point of technology investments to the implementation of e-business strategy, not a peace patents. According to media reports, the financial sector abroad each year 5% to 10% of the money into science and technology level, in order to enhance their competitiveness.
Ping An e-commerce in startup invested 2 billion yuan. Zhang Yan said that in the next 3 to 5 years, Ping An's investment in technology will be hundreds of millions a year later to the more than 100 million are also possible.
Zhang Yan believes that e-commerce is a cost-effective method of service that enables insurance companies in the same price level to provide customers with more and better services.
Overseas experience has shown that, through the network (technology) to provide financial services, not only to become very powerful marketing capabilities, the cost has been reduced to staggering proportions. From the comparison of the cost of each transaction to the transaction costs of operating stores was 100%, the phone is only 55%, ATM and 25%, while the Internet is only 10%.
In May 2000, sponsored by the Swiss Reinsurance Company "Sigma" magazine did a study showed that e-commerce will help the insurance industry to reduce costs, increase product sales, management, and claims efficiency. "Sigma" is expected of modern information technology can save in personal insurance about 12% of the cost, in the commercial insurance in the cost savings of approximately 9%, while the insurance company's customers also benefit from improved efficiency. E-commerce to cut costs because the insurance company has opened up a new way, helping them to lower the price of insurance products to further improve the quality of service.
And traditional industries are related by blood
At the news conference, the reporter found that there were many guests at the scene engaged in the insurance industry with e-commerce. Although the practical application of e-commerce insurance, whether in the international arena or in our countries are still in an embryonic stage, but for its development trend and its impact of the insurance industry, it has become the industry focus of attention.
I remember two or three years ago, when the tide of global Internet spread to China, the domestic insurance site also worked with the uproar in a while children had fun, and now, when the Internet bubble gradually dissipated, we find that e-commerce in the insurance market can be to survive, and still the most active are those with traditional insurance industry, the flesh and blood sites, traditional industries for their survival and development provide a strong driving force.
This trend in foreign countries is also reflected in the Internet industry. Data shows that U.S. financial markets had a very active agent, the nature of third party websites, and now both have trouble. They have to consider adjusting its business model, some sites began to survival hopes on for the financial industry to provide technical support.
A very successful example is the United States called SecurityFirstNetwork a company, it had a very serious manner of its online financial services, the last only to find that he has the online financial services, scientific and technological resources is far greater than the value of it to do banking business value, Then simply tick off the latter as a service to all banking online business technology providers. Now the company's business is booming.
Such a development ideas, in the domestic insurance practitioners in the Internet is also a consensus. The beginning of Paul's interview with Yi, CEO Mr. Mo Yuanwu, it had been easy to listen to him talk about security network positioning is the "software company", his view is: the Internet is technology, there must be only technical content market.
Exactly what kind of e-business models will prove to be successful, and now certainly too early to draw conclusions. But for many insurance web sites, in order to continue to survive, I am afraid incumbent, a formula to calculate its future had.
e into preparation for accession to the WTO
Not long ago, China's accession to the World Trade Organization all the legal document is endorsed, in November this year, China will officially become a member of the World Trade Organization. Accession to WTO, China's insurance industry ready, what has to deal with strong foreign counterparts challenges. Zhang Yan said, this is a safe and shareholders often ask us a question.
According to the analysis, as close to the process of China's accession to WTO, opening up domestic financial markets become an irreversible trend. For foreign insurers, to peace in the national development such as the large number of branches to go through a fairly long period of time. However, if they bring abundant capital and advanced technology, the first to enter the field of electronic commerce as a breakthrough quickly open the market will be very competitive.
It is reported that in February 2000, Ping started to enter the field of electronic commerce, in August the same year, the official opening of the PA18. COM new concept site, a time when the country's Internet market is hot. Some people think that there are quick success in this area safely studied under suspicion. In fact, from early 1999 into the field to a real argument, Ping has spent more than a year to fully consider the feasibility of its own e-commerce strategy is definitely not spur of the moment made a decision. Ping the steady development of the network platform is now fully confirmed this point.
Zhang Yan believes that the entire e-commerce are in a nurturing environment for the period, PA18 is also still increasing brand awareness and recognition of the stages of service mode. However, the site launched in August last year, up to now weekly, monthly, quarterly can plainly see that there is a clear, relatively stable upward trend. From then to now, there are nearly 10 million customers in the PA18. COM achieve online transactions. Ping An currently has 20 million customers in 10% -15% have Internet access, including Beijing, Shanghai, Guangzhou and Shenzhen accounted for 20%. This shows that the PA18 and go steady upward trend. They expected, PA18 site of this year's online securities trading volume will increase 3-4 times, 5-6 times the growth of next year, online insurance transactions, the completion of the main online transactions this year, product development, the next year's trading volume will show hundreds of times The explosive growth.
