Join collection
Hello, welcome to our official website!
中国互联网保险行业发展变迁历程及现状分析2018
2019-01-12

 在业务形式上,互联网保险摒弃了传统业务模式的弊端,提供了一种受众面更宽、更为公开透明的销售方式,吸引客户在更大范围内自主了解保险的相关功能,选购适合自身的保险产品。

     一、我国互联网保险行业发展变迁历程回顾

     
1.互联网保险发展萌芽期:1997~2004 年。1997 年底,中国保险信息网诞生,是我国**面向保险市场和保险公司内部的专业中文网站,也是我国保险行业*早的第三方网站;2000 年 3 月,“ 网险网” **实现了网上投保功能;2001 年 3 月,太平洋保险开通“ 网神”,开始了真正意义上的互联网保险业务,推出 30 多个险种。

     
此阶段互联网保险作为销售代理而存在,各大保险公司都建立了自己的官方网站,发布保险产品的相关信息,但由于互联网金融规章制度尚未健全,法治环境尚不成熟,人们对于互联网保险的认识也存在很多不足,互联网保险对于保险公司业务发展的作用并不明显,主要起到宣传及普及保险知识的作用,此时互联网保险处于萌芽期。

     
2.互联网保险深化探索期:2005~2011 年。2005 年 4 月正式实施的《*******电子签名法》标志着互联网保险进入加速发展阶段。截至 2009 年底,互联网保费收入规模达到 77.7 亿元。诸如慧择网、向日葵网、优保网等保险网站纷纷涌现,作为互联网保险中介提供保险咨询及产品销售服务。

     
此阶段,随着互联网用户的迅速增多,人们越来越倾向于通过互联网来获取金融保险产品和服务,同时各保险机构也致力于通过创新实现新的网络渠道的营销,逐步探索保险电子商务营销方式。

     
3.互联网保险全面发展期:2012~2013 年。自 2012 年中国保监会开始实施《保险代理、经纪公司互联网保险业务监管办法》,标志着互联网保险走向专业化以及规范化,互联网保险业务发展秉承透明化和信息化的原则。2012 年 8 月之后,多家公司有了更进一步的行动:平安人寿发布“ 平安人寿 E 服务” APP 客户端;国华人寿通过“ 淘宝聚划算” 销售平台推出 3 款产品,短短 3 天时间内就实现了 1.05 亿元保费收入;泰康人寿则分别与携程、淘宝等互联网平台合作打造互联网保险销售平台,取得了较好成效。

     
2013 年出现了各种互联网金融的创新,被称为互联网金融元年。其中,2013 年 6 月推出的专为个人用户打造的余额增值服务——余额宝,既有支付宝的电子支付的功能,又有货币基金的理财功能,从运营之日起规模迅速膨胀,截至 2014 年 2 月 14 日,规模突破 4000 亿元。互联网金融理念渐渐深入人心,也逐步显现出巨大的影响力。

     
2013 年 11 月 6 日,由阿里巴巴、中国平安、腾讯公司共同筹资建立的“ 众安在线” 财产保险有限公司正式开业,标志着我国互联网保险进入机构专营阶段。同年,淘宝理财频道**参与“ 双十一” 活动,保险产品成为新主角。

     
这一阶段的互联网保险通过创新实现了跨越式发展,基于电子商务及信息技术的发展需求开发了与此相宜的保险险种(如退货运费险、游戏账号装备险、微信支付安全险等),主要依托第三方电子商务平台、保险公司官方网站、保险超市等多种方式,逐步探索出其特有的业务管理模式,从而更好地为投保人提供专业服务,打造优质体验。

     
4. 互联网保险发展的爆发期:2014 年至今。2014 年 8 月 13 日,“ 新国十条” 的颁布给保险业未来转型升级勾勒了新蓝图,支持保险公司积极运用现代互联网技术进行创新,云计算、大数据等技术无疑会带来更多可能和无限潜力。可见,互联网保险不仅仅是保险销售渠道的转变、升级,更是适宜保险产品的更新换代。互联网保险需依照互联网的规则与模式,改变现有的保险产品、服务及运营方式,并非简单地把传统的保险产品移植到网上,而是需要重新构造互联网保险关联各方的价值体系和运作逻辑,开发出适合互联网消费群体的保险产品。

     
从销售渠道来看,互联网保险销售渠道多种多样,除了官网平台、代理机构建立的销售平台,还有第三方销售平台。其一,官网自销有利于品牌的建立和推广,如中国平安建立的平安直通、泰康人寿成立的泰康在线等。其二,代理机构建立的有类似于保险超市的专业代理渠道,可以提供一站式在线服务(如慧择网),也有类似于银行代理保险产品的网络兼业代理机构。其三,第三方销售平台包括三种:电商平台、保险咨询平台和综合类平台。电商平台较为常见,随着人们网购行为的逐渐频繁,类似淘宝保险和京东保险这类方便快捷的投保平台日益得到青睐,尤其是退货运费险和产品质量退换险这类与网络购物息息相关的小额保险;保险咨询平台也得到进一步发展,如沃保网、向日葵保险网等,其可提供专家在线解答,100% 快速回答,用户可自由查询,也可参考其他用户的问题及解答;综合类平台如网易保险,是由网易公司与国内知名保险公司共同打造的一站式购险平台,涵盖健康险、旅行险、车险、意外险、家财险等各个险种,网站设有保险 10 元店、理赔指引等,为用户提供便捷**的网上保险消费体验。

图表:互联网保险不同销售渠道的特点及案例

 filename

 

图表来源:公开资料整理


     
从保险产品来看,具有多样性、个性化、创新特色的互联网保险产品层出不穷。一方面诸如“ 脱单险”“ 赏月险”“ 雾霾险”“ 手机碎屏险” 等这类有新意的趣味保险在一定程度上引起了市场关注和热议,但另一方面,这些表面上的产品创新并不持久,会不断被新生事物所代替,导致产品营销并未超过宣传热度。总体上来说我国的互联网保险产品有了一定程度上的创新,但还是以线上销售线下产品为主,还需有更具突破性的创新模式。

     
从客户资源来看,网民的大量涌现带来了
电子商务的迅猛发展,消费者有了新的消费习惯。埃森哲(Accentare)2014 年调查显示,中国受访者中有 93% 表示已准备好网上购买保险产品与服务,有 76% 已在使用智能手机与各种平台的提供商进行沟通。由此可见,互联网平台带来的客户资源及产品需求巨大,同时这也会带来很多潜在的行业竞争者,导致竞争加剧。

     
参考观研天下发布《
2018年中国互联网保险行业分析报告-市场深度调研与发展趋势研究

     
从技术层面来看,大数据的运用有助于掌握准确的客户信息,网络技术使得互联网对保险公司的意义远不止于提供销售平台,其更大的功能在于通过先天的信息收集及分析优势,掌握全方位资讯,解读客户行为及心理,准确判断客户需求。因此,保险业需要紧跟时代步伐,在应用大数据时保持开放和积极的态度,遵循客户至上的理念,否则宝贵的客户资源和核心技术都可能会成为互联网企业的囊中之物。

     
二、基于我国互联网保险发展变迁的创新路径初探

      
目前,传统保险营销方式与互联网保险正在融合,国内经营互联网保险的企业正积极从多方面进行尝试,在发展渠道、产品设计和业务模式上均有不同程度的创新和发展,主要体现在以下几个方面:

     
1.拓宽发展渠道:与电子商务平台的强强联合。随着电商平台的日益壮大,淘宝、京东、天猫等互联网商城均与保险公司展开合作,多种保险产品直接在其商城上线,并在“ 双十一” 创下可观销量。上架产品中销量*好的旅游意外险,可以提供旅途中的紧急救援和优惠的
医疗价格,还可以根据实际情况选择行李安全险、证件丢失险、延误险等细分产品,网上投保方便,支付快捷简单,省去了到实体店购买的时间及交通费,保费也较为优惠。但保险产品不同于一般实体产品,网络的非实体性及保险的专业性使得保险产品在互联网平台的销量不及线下,还需寻求突破及推广。

      
以退货运费险为例,当网络购物成为人们的消费习惯,买卖双方不时会有退货运费的困扰,退货运费险正是华泰保险针对此问题推出的专用保险产品。该险种包括卖家版和买家版⑤两个类别,在一定程度上解决了关于谁承担运费的难题纠纷。退货运费险卖家版是一种在买卖双方产生退货需求时,保险公司对由于退货产生的单程运费提供保险的服务,对于卖家来说有规避退货损失风险的作用,一定程度上促进了电子商务的发展。退货运费险具有保险费用低、投保方便、理赔速度快、理赔额度高的特点,买家只需在购买货物时勾选,与货款一起支付,出险时无需报案或举证,退货成功即可获得赔付。这一产品可以说是电子商务的发展产物,在一定程度上体现了互联网保险与电子商务平台的**结合,一方面电子商务平台的产品需要可靠保障来获取消费者信任,另一方面传统保险业为适应时代需要,走向互联网端,吸引更大的客户群体。

     
2.革新业务模式:与各种金融理财产品的嫁接与融合。

     
2014 年 7 月,多家保险公司与互联网金融平台开始合作推出保险理财产品,多家公司宣称其有 6% 以上的预期年化收益率,吸引了不少消费者。京东金融联合珠江人寿推出的名为“ 安赢一号” 的理财产品,其预期年化收益率可达到 6.9%,产品刚推出两天就被一抢而空;弘康人寿保险股份有限公司在京东金融推出了 1000 元 / 份的“ 京弘年年盈”,历史年****率达到 5.3%,次日零点生效,且每天计算收益;“ 京弘半年盈” 历史年****率为 4.8%,于六个月后领取,无退保手续费,在官方网站上还演示每期收益,易于消费者理解。这一系列保险理财产品的出台使得保险产品更加灵活地融入互联网,但其也提醒消费者,产品为投资连结保险,实际投资收益并不确定,产品投资是有风险的。

     
互联网保险与理财产品的结合处于初级阶段,并没有达到高度的标准化及专业化,还处于市场的考验期,消费者需要正确对待保险理财产品,保险理财产品首要作用还是保障作用,投保人切勿只注重收益而忽视了其中的风险。

     
3. 优化产品设计:保险产品保障金额的小微化发展。现在越来越多的公司致力于获得大量客户的关注及喜爱,设计吸引眼球的小额保险。小额保险产品可以针对生活中的很多细节场景,用以解决日常生活中的细微问题。比如针对感冒发烧可投 “ 高烧乐” ;针对长青春痘可投“ 痘痘乐” ;补偿手机碎屏的损失风险可投“ 碎屏险” ;针对快递到货慢有“ 快递延误险” ;针对由于天气原因航班晚点有“ 航班延误险” ;等等。这样的险种保费较低,在符合赔付条件时可获得几百元不等的补偿,这一手段遵循免费经济学原理,易于被消费者接受和喜欢,能吸引大量客户,以便获取长远经济效益。

     
以“ 碎屏险” 为例,当今智能手机全靠屏幕来完成所有操作,这要求屏幕的灵敏性高,若是屏幕损坏,修理费用起码几百元, “ 碎屏险” 为那些正常使用时因不小心跌落、挤压、碰撞等意外发生的屏幕破碎情况投保,一旦出险,保险公司会安排指定签约维修商提供一次不超过保险金额(一般为 1000 元)的免费维修服务。支付宝的手机碎屏险(与中国人寿合作)、平安手机碎屏保障卡等产品就属于此类保险,前者不适于使用 3 年以上的手机,后者新旧手机都可投保,是业内首创。这类保费较低的保险更需注重理赔的顺畅**、维修服务的专业性及高质量,给客户以满意的消费体验,塑造可靠守信的企业形象。

     
支付宝手机客户端设置了“ 我的保险” 一栏,包括综合意外险、上班族出行保、关爱宝贴心养老险、房贷宝、银行卡安全险、电梯意外险、高空抛物险、见义勇为险、家务无忧险等三四十个险种,涉及日常生活的诸多细节。这些碎片化的产品虽然盈利规模小,且没有定价数据来源,但是不会造成太大资金风险,同时可以带来较高的客户流量和用户黏性,获取一定的客户信息,而且小额保险的趣味性能吸引消费者关注,可以培育公众的保险意识,总体来说具有长远效益,市场前景广阔。(转载自中国报告网)

暂无评论!
我要评论 只有购买过该商品的用户才能评论。

Gotham Therapeutics Establishes Advanced Oncology Profiling Cascade with ProQinase to Progress its Portfolio of Epitranscriptomic Drug CandidatesWEDNESDAY, OCTOBER 30, 2019Gotham Therapeutics, a biotechnology company developing a novel drug class targeting RNA-modifying proteins, and ProQinase, an early stage drug-discovery company, recently acquired by Malvern/PA-based Reaction Biology Corp., today announced that they have established an array of advanced biochemical and cellular assays to characterize epitranscriptomic-directed compounds.“Establishing tailored target engagement, cell biology, phenotypic, and in-vivo assays to evaluate compounds originating from our three most advanced epitranscriptomic programs in parallel is a crucial next step to develop our broad pipeline towards the clinic,” said Dr. Gerhard Müller, Chief Scientific Officer of Gotham Therapeutics. “By pursuing the full range of the reader-writer-eraser continuum, we are able to focus on targets with the most compelling links to disease and advance those programs in tandem.”“Combining our high proficiency in providing customized solutions as early stage drug-discovery services, including tailor-made biochemical and cell-based assays, with Gotham’s expertise in epitranscriptomics, we were able to establish in a very short time a set of customized enzymatic and cellular assays for compounds addressing three different mRNA-modifying targets,” said Dr. Sebastian Dempe, Chief Executive Officer of ProQinase. “We look forward to supporting Gotham as the company advances its programs into lead optimization and to continued work with the Gotham team assisting the company to advance its broad pipeline in a time-effective manner.”In addition to establishing a tailor-made profiling cascade for compounds from its three most advanced programs, Gotham has also made progress in strengthening its drug discovery engine and developing its candidate base. Gotham previously completed the gene-to-lead phase for its drug discovery project targeting the METTL3/METTL14 complex and established a robust discovery process as a platform for future projects. The company has also generated a library of high-quality compounds tailor-made for accelerated hit generation and hit-to-lead expansion against large parts of the epitranscriptomic target space. This library includes a collection of over 2,000 analogues covering over 80 distinct chemotypes that will be used to further accelerate Gotham’s drug discovery efforts as it expands its pipeline.The original link:https://www.pharmafocusasia.com/news/gotham-therapeutics-establishes-advanced-oncology-profiling-cascade-with-proqinase-to-progress-its-portfolio-of-epitranscriptomic-drug-candidates2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/510934/will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

Gilead and Glympse Bio Announce Strategic Collaboration for Use of Biomarker Technology in NASH Clinical DevelopmentTUESDAY, OCTOBER 29, 2019Gilead Sciences Inc. and Glympse Bio, Inc., today announced that the companies have entered into a strategic collaboration in nonalcoholic steatohepatitis (NASH) clinical development. Glympse Bio’s proprietary synthetic biomarkers – bioengineered to identify stage and progression of disease as well as early detection of treatment response – will be used to determine clinical trial participants’ stage of disease at initial screening and to determine responses to study treatment in Gilead’s NASH clinical program.“We are excited about the opportunity to partner with Glympse Bio to help inform our NASH development program,” said Mani Subramanian, MD, PhD Senior Vice President, Liver Diseases, Gilead Sciences. “By utilizing this innovative technology, we hope to better characterize this complex disease and improve our understanding of how our compounds impact disease progression.”Glympse Bio’s proprietary technology, Glympse Inside™, combines synthetic biomarkers with machine learning approaches to identify the stage and monitor progression of important, complex diseases such as cancer, fibrosis, inflammation, and infections, in real time.“We are very excited about partnering with Gilead, a leader in drug development, to help drive earlier and more favorable outcomes for patients,” said Caroline J Loew, President and CEO, Glympse Bio. “Gilead’s commitment to developing innovative medicines in areas of high unmet medical need aligns with our mission of transforming disease detection and measuring treatment response, all with the goal of helping improve the lives of patients.”information source:pharma focus AsiaThe original link:https:https:https://www.pharmafocusasia.com/news/gilead-and-glympse-bio-announce-strategic-collaboration-for-use-of-biomarker-technology-in-nash-clinical-development2019 Asia-pacific pharma IP Leader Summit:http://en.zenseegroup.com/p/510934/ will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

HistoIndex Announces Global Partnerships To Expand AI-Based Digital Pathology PlatformMONDAY, OCTOBER 28, 2019HistoIndex announces the expansion of its AI-based digital pathology platform towards large-scale NASH preclinical programs for pharmaceutical and biotech companies to achieve quantifiable and reproducible data on therapeutic responses in NASH animal models, and to aid CROs as well as research agencies in validating new models mimicking the NASH disease.Published preclinical studies have demonstrated the use of HistoIndex's fully quantifiable Second Harmonic Generation (SHG) technology as a highly accurate stain-free method that can monitor the efficacy of various therapeutic agents, by quantifying more than 450 NASH-associated parameters in fibrosis, inflammation, ballooning and steatosis. The information of these NASH-associated parameters gathered from the entire liver tissue, provides comprehensive insights on the mechanism of action of the therapeutic agent.  As a drug discovery tool, HistoIndex's SHG-enabled digital pathology platform will allow pharmaceutical and biotech companies to select promising lead candidates for further optimization and make informed decisions in the management of their NASH drug development pipeline.In addition to ongoing NASH clinical trials, HistoIndex is currently involved in multiple preclinical studies, most of which are conducted by major pharmaceutical and biotech companies, medical universities, CROs and research agencies. Notably, HistoIndex has recently entered into a collaboration with the A*STAR's Genome Institute of Singapore (GIS) to validate their in vivo and in vitro NASH models based on Asian-centric clinical data. Says Professor Patrick Tan, Executive Director of the Genome Institute of Singapore (GIS), "At GIS, we conduct our preclinical studies on fatty liver involving data from animal models based on patient-derived transcriptomic data. This has a high translational potential as it helps us to pinpoint new therapeutic targets and their validation. Therefore, using a fully quantitative, reliable and objective pathological evaluation such as HistoIndex's AI-based digital pathology platform is essential to the success of our efforts in therapeutic target discovery."HistoIndex is also a partner with globally-renowned CRO, WuXi Apptec, in advancing their NASH preclinical programs with advanced R&D and smart imaging analysis capabilities. Published study data will be available for discussions during networking opportunities throughout AASLD's The Liver Meeting® in November 2019.  "We are very excited to extend our AI-based SHG platform to preclinical studies to help companies with drug discovery programs select promising lead candidates for further optimization and subsequent clinical development," says Dr Poon Thong Yuen, Chief Executive Officer of HistoIndex. "Our SHG image analysis platform has already been used to analyze the efficacy of a series of promising drug candidates for NASH within various animal models commonly-used by the industry, and we believe these preclinical partnerships will help drive the adoption of our platform significantly."information source:pharma focus AsiaThe original link:https:https://www.pharmafocusasia.com/news/histoindex-announces-global-partnerships-to-expand-ai-based-digital-pathology-platform2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/510934/will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

AVROBIO Receives Orphan-Drug Designation from the U.S. FDA for AVR‑RD‑02 for the Treatment of Gaucher DiseaseFRIDAY, OCTOBER 25, 2019AVROBIO, Inc., today announced that the U.S. Food and Drug Administration (FDA) has granted orphan-drug designation for the Company’s investigational gene therapy, AVR-RD-02, for the treatment of Gaucher disease. AVR-RD-02 consists of the patient’s own hematopoietic stem cells, genetically modified to express glucocerebrosidase (GCase), the enzyme that is deficient in Gaucher disease. The Company is actively recruiting in Canada for its Phase 1/2 clinical trial of AVR-RD-02, which seeks to evaluate the safety and efficacy of the therapy in patients with Type 1 Gaucher disease.“Under the existing standard of care, patients with Gaucher disease are bound to a lifelong infusion schedule of enzyme replacement therapies, and still experience painful and progressive symptoms such as debilitating musculoskeletal pain and fatigue,” said Birgitte Volck, MD, PhD, President of Research and Development at AVROBIO. “Orphan-drug designation recognizes the unmet need of populations with rare diseases like Gaucher where AVROBIO strives to transform lives by addressing the underlying cause of the disease with a single dose of gene therapy.”Orphan-drug designation is granted by the FDA to drugs and biologics which are intended for the safe and effective treatment, diagnosis or prevention of rare diseases or conditions that affect fewer than 200,000 people in the United States. Orphan-drug designation provides certain incentives, which may include tax credits towards the cost of clinical trials and prescription drug user fee waivers.information source:pharma focus AsiaThe original link:https:https://www.pharmafocusasia.com/news/avrobio-receives-orphan-drug-designation-from-the-us-fda-for-avrrd02-for-the-treatment-of-gaucher-disease2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/510934/will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

FRIDAY, OCTOBER 25, 2019AZTherapies, Inc., a biopharmaceutical company developing therapeutics to extend brain health, today announced the acquisition of Smith Therapeutics, a private biopharmaceutical company with a shared goal of targeting neuroinflammation to treat neurodegenerative disease. Smith Therapeutics’ Founder and Chief Executive Officer Philip Ashton-Rickardt, Ph.D., has joined the senior leadership team at AZTherapies as Senior Vice President of Immunology. Financial terms of the acquisition were not disclosed.Smith Therapeutics’ proprietary research platform focuses on the use of modified T cells to restore a healthy balance of inflammatory and regulatory cells in the brain. To date, Smith has successfully engineered immunosuppressive T regulatory (Treg) cells with Chimeric Antigen Receptors (CARs) targeting brain glial cells. Previous research has demonstrated the ability of Tregs to dampen microglial activity and reduce neuroinflammation in models of neurodegeneration, suggesting their potential utility in the treatment of diseases including Progressive Supranuclear Palsy (PSP), Alzheimer’s disease, Parkinson’s disease, Huntington’s disease, Amyotrophic Lateral Sclerosis (ALS), and others.“This acquisition represents a meaningful step forward for us as we continue to strengthen our leadership position in the development of therapies targeting neuroinflammation to stop or slow the progression of neurodegenerative diseases,” said David R. Elmaleh, Ph.D., Founder, CEO, and Chairman of AZTherapies. “We are excited to be working with Philip as we add this cutting-edge technology to our portfolio of innovative programs. An esteemed immunologist and inventor of the technology, Philip brings unparalleled expertise to the company and we look forward to advancing this CAR-Treg program further into IND-enabling studies and into clinical development as rapidly as possible.”Dr. Ashton-Rickardt commented on the acquisition and his appointment: “Our shared rationale of targeting neuroinflammation as the root cause of neurodegenerative disease makes this acquisition a great strategic fit for us. With AZTherapies’ expertise in drug development and clinical trial execution, we believe that together, we are well positioned to advance our CAR-Treg technology and fundamentally change neurodegenerative disease progression.”Prior to launching Smith Therapeutics in 2017, Dr. Ashton-Rickardt was Chair in Immunology at Imperial College London, Visiting Professor, Brigham and Women’s Hospital, Harvard Medical School, and Associate Professor in the Department of Pathology at the University of Chicago. His work has been recognized by his peers through the award of tenure from The University of Chicago and by his fellow citizens as a recipient of the Early Career Award for Scientists and Engineers from President Bill Clinton. He has published more than 65 peer-reviewed papers in more than 30 academic journals (including Cell, Science, Immunity, and Nature Immunology), has served as an editor for several academic journals, and has been a member of grant review boards globally. Dr. Ashton-Rickardt received a B.Sc. in Biochemistry from the University of London, King’s College with honors, a Ph.D. in Molecular Biology from the University of Edinburgh, and completed post-doctoral work at the University of Edinburgh and the Massachusetts Institute of Technology in Molecular Biology and Molecular Immunology, respectively.information source:pharma focus AsiaThe original link:https:https://www.pharmafocusasia.com/news/aztherapies-strengthens-neuroinflammation-targeted-pipeline-through-acquisition-of-smith-therapeutics2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/510934/will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

About Us
Contact Us
Zensee_Daystar online