久久久无码人妻精品无码_6080YYY午夜理论片中无码_性无码专区_无码人妻品一区二区三区精99

Make me your Homepage
left corner left corner
China Daily Website

China worth risk for foreign insurers

Updated: 2013-11-20 17:13
By TONY COMPTON ( chinadaily.com.cn)

E-commerce transactions reached 461.2 billion yuan ($75 billion; 56 million euros) in the second quarter of 2013, a year-on-year increase of 84.3 percent. And soon the Chinese mobile telecoms industry will leapfrog the West and roll out 4G, satisfying Chinese consumers’ thirst for digitization.

How can foreign insurers take advantage of this phenomenon?

Among the foreign entrants to the motor market, eight insurance companies have compulsory liability underwriting licenses, and many life insurance joint ventures have been in play for several years although they have less than 5 percent market share in total.

But these foreign players are sitting on a competitive advantage. Because their operations are small, they can develop distribution channels to bypass the traditional market dominators and get straight to the consumer first.

They can do this by embracing the digital opportunity to create innovative online distribution models, with competitive benefits that attract and lock-in buyers.

Foreign insurers also have a huge advantage over domestic ones in risk selection ability. For years, they have been practicing risk selection and sophisticated pricing with many varied and correlated risk factors. With the adoption of the online distribution model, advanced risk selection will be easy, as the quote and buy functions can be configured accordingly. They can collect the necessary information, take on better customers and avoid poor ones.

Foreign insurers, however, may not be able to benefit fully at present from individual customer risk-based pricing in some areas, such as motor and the more-regulated life products.

Competing on service

Foreign insurers can also compete well on service, an area where there is a substantial gap between supply and demand.

The domestic insurers are not complacent. In the top echelon of the industry at least, they are looking to become more customer-centric. Once they move, they will move fast, but with their traditional distribution and business models, it will take them a while to adapt.

While they do, there is a window of opportunity for foreign insurers to expand their business and online models, and quickly roll out superior service models to attract customers. And by being largely online, they would also have a significant cost advantage, which could lead to lower product prices and attract more customers.

If we turn to the dynamics of the China’s economy, growth in the tier 1 and 2 cities will be modest, and they will become strong insurance retention and switching markets, playing to online models.

In the next five to 10 years, China’s domestic development will be driven increasingly by the lower-tier cities, and the large domestic insurers will find it difficult to quickly deploy their rigid distribution models in these growth areas.

For example, recruiting and retaining skilled agents is one of the biggest problems today for the industry, and it’s hard to imagine that staffing tier-3 and 4 regions will be any easier.

Again, the savvy insurer should build up alternative or open new channels of distribution in these emerging provincial economies. But they will need their own additional provincial licenses, partner with provincial insurers, or move substantially online.

 
8.03K
 
...
久久久无码人妻精品无码_6080YYY午夜理论片中无码_性无码专区_无码人妻品一区二区三区精99

    欧美日韩国产bt| 精品盗摄一区二区三区| 亚洲影院在线观看| 欧美美女视频在线观看| 捆绑紧缚一区二区三区视频| 久久久久久免费毛片精品| 成人黄色网址在线观看| 亚洲精品国产无天堂网2021| 欧美日韩国产欧美日美国产精品| 日本欧美在线观看| 国产婷婷色一区二区三区四区| 91蜜桃视频在线| 丝袜国产日韩另类美女| 2020国产精品久久精品美国| 97精品久久久午夜一区二区三区| 午夜久久久影院| 国产亚洲欧洲一区高清在线观看| 9人人澡人人爽人人精品| 午夜精品成人在线视频| 久久美女高清视频| 色综合久久久网| 免费精品视频在线| 国产精品久久久久一区二区三区| 欧美亚洲一区二区三区四区| 麻豆精品新av中文字幕| 国产精品美女久久久久久2018| 欧美三电影在线| 国产大陆a不卡| 亚洲图片有声小说| 久久久精品综合| 欧美色男人天堂| 激情欧美一区二区| 一卡二卡欧美日韩| 欧美电影免费观看高清完整版在 | 精品国产成人在线影院| 91在线云播放| 麻豆成人在线观看| 亚洲免费观看视频| 久久这里都是精品| 欧美性色欧美a在线播放| 国产精品99久久久久久似苏梦涵| 亚洲综合清纯丝袜自拍| 国产亚洲成年网址在线观看| 欧美日韩国产另类一区| 成人午夜又粗又硬又大| 青青青伊人色综合久久| 亚洲另类在线一区| 国产三级一区二区| 日韩一卡二卡三卡四卡| 日本乱码高清不卡字幕| 国产精品亚洲一区二区三区妖精 | 狠狠色丁香婷婷综合| 亚洲在线观看免费视频| 国产精品毛片a∨一区二区三区| 欧美一级理论性理论a| 一本一道波多野结衣一区二区| 国产麻豆精品95视频| 日韩高清一区在线| 夜夜嗨av一区二区三区网页| 中文字幕精品一区二区三区精品| 欧美成人女星排行榜| 欧美色精品天天在线观看视频| 成人污污视频在线观看| 黄色成人免费在线| 日韩中文字幕麻豆| 一区二区三区不卡视频在线观看| 日本一区二区三区电影| 精品美女在线播放| 欧美老女人在线| 在线看不卡av| 99久久精品国产毛片| 精品一区二区三区在线播放视频| 亚洲成人午夜电影| 玉足女爽爽91| 最新中文字幕一区二区三区| 久久久99精品免费观看不卡| 欧美成人精品福利| 日韩一区二区三区四区| 欧美日韩中文一区| 91福利视频在线| 色一情一乱一乱一91av| 97精品视频在线观看自产线路二| 成人综合婷婷国产精品久久| 国产一区二区美女诱惑| 毛片一区二区三区| 热久久久久久久| 日韩黄色免费电影| 三级久久三级久久| 首页国产欧美久久| 五月天一区二区三区| 亚洲高清免费观看高清完整版在线观看| 亚洲欧美自拍偷拍色图| 国产精品国产三级国产aⅴ中文 | 粉嫩一区二区三区性色av| 极品尤物av久久免费看| 美国精品在线观看| 精品一区二区在线免费观看| 久久国产日韩欧美精品| 麻豆久久久久久| 精品一区二区三区视频在线观看| 久久精品国产在热久久| 久色婷婷小香蕉久久| 麻豆国产精品视频| 久久精品理论片| 狠狠色丁香婷婷综合久久片| 激情综合色播五月| 国产精品综合网| 成人午夜av电影| 99精品在线观看视频| 91在线国产观看| 97久久精品人人澡人人爽| 99r精品视频| 在线免费观看不卡av| 欧美三级在线看| 91精品国产综合久久福利软件 | 亚洲最新在线观看| 亚洲一区二区在线播放相泽 | 九色综合狠狠综合久久| 久久av老司机精品网站导航| 国产乱码精品1区2区3区| 粉嫩高潮美女一区二区三区| jlzzjlzz亚洲女人18| 91视视频在线直接观看在线看网页在线看| 一本到一区二区三区| 欧美视频在线观看一区| 91精品欧美综合在线观看最新| 日韩一级视频免费观看在线| 精品国产精品网麻豆系列| 欧美极品xxx| 亚洲综合在线观看视频| 日韩国产精品91| 国产激情一区二区三区四区| 99久久精品免费看国产| 欧美日韩不卡一区| 精品盗摄一区二区三区| 国产精品成人一区二区三区夜夜夜| 亚洲人午夜精品天堂一二香蕉| 香港成人在线视频| 国产精一区二区三区| 99re热视频精品| 制服.丝袜.亚洲.中文.综合| 2欧美一区二区三区在线观看视频 337p粉嫩大胆噜噜噜噜噜91av | 欧美唯美清纯偷拍| 欧美电视剧免费全集观看| 国产日韩欧美制服另类| 亚洲一区二区在线视频| 老汉av免费一区二区三区| 成人免费看视频| 欧美日韩aaa| 国产欧美一区二区在线| 亚洲精品久久久蜜桃| 日韩国产欧美在线播放| 国产91精品免费| 欧美日韩免费一区二区三区视频| 一区二区三区四区五区视频在线观看| 亚洲一区二区三区四区在线免费观看 | 欧美亚洲另类激情小说| 日韩一级片在线观看| 中文字幕中文字幕中文字幕亚洲无线| 亚洲成a天堂v人片| 高清在线观看日韩| 欧美群妇大交群中文字幕| 欧美激情在线免费观看| 日韩中文字幕1| 99热在这里有精品免费| 欧美大尺度电影在线| 综合自拍亚洲综合图不卡区| 另类成人小视频在线| 91在线丨porny丨国产| 日韩欧美123| 亚洲裸体在线观看| 国产麻豆9l精品三级站| 欧美日韩三级一区二区| 中文字幕欧美日本乱码一线二线| 日本系列欧美系列| 色猫猫国产区一区二在线视频| 久久久夜色精品亚洲| 午夜精品久久久久久久久久| www.亚洲精品| 久久综合九色综合欧美就去吻| 亚洲电影一级片| 波多野结衣一区二区三区 | 99精品久久99久久久久| 精品国产乱码久久久久久蜜臀| 亚洲国产成人91porn| av中文一区二区三区| 欧美精品一区男女天堂| 日韩精品亚洲专区| 日本高清不卡视频| 国产精品久久久久影视| 国产一区二区在线视频| 91麻豆精品国产无毒不卡在线观看| 亚洲视频狠狠干| 成人v精品蜜桃久久一区| 精品少妇一区二区三区在线播放| 亚洲国产精品久久久久秋霞影院| 99久久久久久99| 国产欧美中文在线| 国产一区久久久| 精品嫩草影院久久|