Join collection
Hello, welcome to our official website!
加强版互联网保险监管新规呼之欲出
2019-01-12

10月1日,实施三年的《互联网保险业务监管暂行办法》(以下简称《暂行办法》)已完成使命,互联网保险将面临新的监管政策。10月9日,北京商报记者从业内获悉,银保监会向业内发布通知称,正在加快《暂行办法》的修订工作。在新规出台以前,《暂行办法》继续有效。一位保险专家认为:“《暂行办法》很大程度上还是将互联网保险定位为新兴的销售渠道,因此需要修改,以进一步反映互联网保险的*新变化及其对监管的要求,为保险科技全面赋能保险业以及重塑新的保险生态创造良好的政策环境。”

新规已在路上

北京商报记者了解到,当前,银保监会正在积极推进互联网保险监管各项工作,并已于近日向业内下发《关于继续加强互联网保险监管有关事项的通知》(以下简称《通知》)。

根据《通知》,银保监会正在积极推进互联网保险创新、改革和发展,促进互联网保险经营机构提高服务水平,继续提升监管能力,切实保护保险消费者合法权益。多位保险公司相关人士向北京商报记者表示:“公司已于近日收到相关通知,监管要求加强产品创新能力、风险管控能力、客户服务能力建设,认真落实互联网保险业务经营区域和信息披露有关要求,强化保险消费者合法权益保护,确保互联网保险业务合规经营。”

一位互联网保险中介相关负责人对北京商报记者称:“此文件并无特殊含义。只是因为2015年10月1日开始施行的《暂行办法》到期了,但新的规定仍在修订中,暂时没法出台,所以监管机构明确原来的《暂行办法》继续有效。”

自《暂行办法》发布以来,互联网保险业务持续健康发展,服务能力也不断增强。国务院发展研究中心金融研究所保险研究室副主任朱俊生认为:“《暂行办法》坚持发展与规范并重,支持和鼓励互联网保险创新,开展适度监管,并针对互联网业务各环节提出更为明确、具体的要求,为互联网保险行业的健康发展营造了良好的政策环境。”

经营资质成“香饽饽”

近年来,互联网保险快速发展,不仅让保费规模实现大的飞跃,监管对于经营互联网保险身份的明确也引来了资本介入,让互联网保险牌照成为资本争抢的对象。

数据显示,互联网保费收入2012年和2013年分别为110.7亿元、318.4亿元。2014年互联网保费收入达到859亿元,被称为互联网保险爆发前夜。2015-2016年,保费收入分别达到2234亿元、2347亿元。不过,由于保险行业整体保费下滑,2017年互联网保费出现下滑,同比下降21.83%,下滑至1835亿元。

在互联网保险保费规模快速做大的同时,互联网保险经营资质受到各路资本的青睐。这主要是原保监会在《暂行办法》中明确了第三方网络平台的业务边界,强化了其参与互联网保险业务的行为约束。如第三方网络平台可以为保险机构开展互联网业务提供辅助支持。若第三方网络平台参与了互联网业务的销售、承保、理赔等关键环节,则必须取得相应的保险业务经营资格。

监管政策的变化,给互联网保险中介带来机会。去年以来,互联网巨头蚂蚁、腾讯、百度先后进军保险中介领域,获得了经营互联网保险业务的资质。市场普遍认为,BAT将袭卷整个互联网保险市场。

“互联网保险已经发生了从渠道变革、场景创造到全面赋能的嬗变,并充分发挥技术的连接作用,开始构建产业体系为核心的生态化。” 朱俊生认为:互联网巨头积聚了大量的流量资源,拥有保险中介牌照有助于对已有资源再开发。实现增量服务与已有服务的融合,满足基于自身场景下的保险需求。通过保险中介,对接消费场景中客户的需求与保险公司的产品供给,从而有助于增加有效保险供给,使潜在的保险需求得到挖掘,可以进一步活跃保险市场。

网销产品有望进一步放闸

备受业内关注的是,《暂行办法》明确规定,意外险、定期寿险和普通型终身寿险可以在互联网销售方面突破经营区域限制。此次银保监会在修订新的办法时,是否会放开其他险种的经营资格成为业内探讨的一大话题。

北京商报记者注意到,在希望放开的险种中,业内呼声*高险种为“重疾险”。业内多认为,适时放开限制会使提供产品的主体更多,促进竞争以及相关险种的发展。但这也受到业内质疑的声音:“不建议放开重疾险和医疗险的区域限制。从客户服务能力上来说,客户在投保健康险类产品后会有较高的服务要求,需要保险公司为客户进行长期持续的服务,如放开在没有设立分公司的区域销售,在发生诸如理赔后的调查取证、投诉后的上门拜访等都无法保证服务品质和服务时效,容易引起客户不满,影响行业整体形象等问题。”

与此同时,普通型年金的销售区域也被期望放开。一位保险业内人士解释称:“因为普通型年金产品后期客户服务内容均可在线进行处理,如保全、年金领取、续期服务、退保等流程,国华人寿即已开发上线了全流程的在线客户服务系统,可满足年金类产品客户的后续服务需求,客户无须亲自到保险公司的分支机构办理。”

一位保险分析人士认为,普通型年金没有风险保额或风险保额极低,因此理赔调查流程可极为简化,并可以将整个理赔流程放到线上,与客户联系和寄送资料也可以通过电话及邮寄处理。普通型年金理赔频率较低,更降低了需要实地理赔调查的可能性。此外,普通型年金产品属于保障类产品,主要功能是财富积累和养老保障,充分体现了保险产品社会稳定器的功能,放开其销售区域限制有利于进一步提升互联网保险中保障类产品的比例,有利于保障类产品的长足发展,在互联网保险领域更好地体现“保险姓保”。(转载自搜狐财经网)


暂无评论!
我要评论 只有购买过该商品的用户才能评论。

Major Chinese biopharmaceutical company Hansoh Pharmaceutical Group Company Limited (Hanmori Pharmaceutical Group Co., Ltd., Hanso Pharmaceutical) and AI ) Atomwise, Inc., a leader in the field, announced the collaboration. The purpose of the collaboration is to design and discover potential drug candidates for a total of 11 private target proteins in multiple therapeutic areas.Atomwise and Hansoh Pharma scientific teams work closely together in each program. The combination of complementary expertise and technology has the potential to dramatically increase success rates and shorten schedules in drug discovery and clinical development.Dr. Aifeng Lyu, President of Jiangsu Hansoh Pharmaceutical Group Co., Ltd., a subsidiary of Hansoh Pharma, said: “Atomwise is the best partner for Hansoh Pharma to use AI technology to innovate and create diverse small molecule pipelines in oncology and other therapeutic areas. I am very impressed with the team and I believe that working together will provide a special opportunity to develop first-in-class and best-in-class therapeutics. "Dr. Abraham Heifets, CEO of Atomwise, said: “It is a great pleasure for us to partner with Chinese biopharmaceutical giant Hansoh Pharma. Hansoh Pharma shares our strong commitment to innovation and our mission to influence patient health globally.”Atomwise's world-class AI platform for structure-based drug design leads the way in finding hit compounds, selecting lead compounds from hit compounds, and optimizing lead compounds. Hansoh Pharma will contribute in its capacity in biological assays and medicinal chemistry, and will lead the subsequent preclinical and clinical development.Subject to the terms of the collaboration, Atomwise will receive revenue based on private technology fees, option exercise fees, royalties, and sublicenses and sales of assets created under the collaboration. Based on historical average sales of small molecule drugs, the overall potential value of this transaction for Atomwise may exceed the potential value of a hit drug if all projects succeed. Hansoh Pharma receives development and commercialization rights in all fields and regions.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ 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://www.zenseegroup.com/forms/view/22113/

Akari Therapeutics, Plc, a biopharmaceutical company focused on innovative therapeutics to treat orphan autoimmune and inflammatory diseases where the complement (C5) and/or leukotriene (LTB4) systems are implicated, today announced that the U.S. Food and Drug Administration (FDA) has granted orphan drug designation for nomacopan for the treatment of bullous pemphigoid (BP).“BP, a severe blistering skin condition with no approved treatments, is an exciting therapeutic target for our lead drug candidate, nomacopan. It is also a disease of increasing prevalence due to an aging population and improving diagnosis,” said Clive Richardson, Chief Executive Officer of Akari Therapeutics. “Orphan drug designation for nomacopan is a major step forward for the program, positioning nomacopan for eligibility for an additional seven years of marketing exclusivity in BP if nomacopan is approved by the FDA. This news is in addition to the recent orphan drug designation received for our HSCT-TMA program.”The Company plans to release new safety and efficacy data from an ongoing Phase II trial with nomacopan in patients with BP at an oral presentation by Dr. Christian Sadik at the 28th European Academy of Dermatology and Venereology (EADV) Congress on October 10, 2019. In August, the Company announced new data demonstrating the synergistic benefits of nomacopan’s dual C5 and LTB4 inhibitory activity in pemphigoid disease, generated by Dr. Christian Sadik’s group at University of Lubeck, Germany, and published in the August 2019 edition of JCI Insight [link].Orphan drug designation by the FDA is granted to promote the development of drugs that target conditions affecting 200,000 or fewer U.S. patients annually and that are expected to provide significant therapeutic advantage over existing treatments. Orphan designation qualifies Akari for various benefits, including seven years of market exclusivity following marketing approval, tax credits on U.S. clinical trials, eligibility for orphan drug grants, and a waiver of certain administrative fees.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ 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://www.zenseegroup.com/forms/view/22113/

China's leading biopharmaceutical company Hansoh Pharmaceutical Group Company Limited (" Hansen Pharmaceutical ") and drug discovery artificial intelligence (AI) Atomwise, Inc. (" Atomwise ") , a leader in the field, announced a collaborative design and discovery of potential drug candidates for up to 11 unexposed target proteins in a variety of therapeutic areas.Atomwise and Hansen Pharmaceutical's scientific team will work closely together in these projects. The combination of complementary expertise and technology is expected to significantly increase success and reduce timelines for drug discovery and clinical development.Dr. Lu Aifeng, President of Jiangsu Hansoh Pharmaceutical Group Co., Ltd., said: Hansen Pharmaceutical is committed to using AI technology to innovate and develop diverse small molecules in the field of cancer and other therapeutics. Atomwise is the right partner for Hansen Pharmaceuticals. We are very impressed with Atomwise's AI platform, capabilities and team. We believe that the two companies will have an excellent opportunity to develop similar and best-in-class therapeutic drugs. ."Dr. Abraham Heifets, CEO of Atomwise, said: "We are very excited to work with Hansen Pharmaceutical, China's leading biopharmaceutical company. Hansen Pharmaceuticals and we all have strong commitment to innovation and a common mission to influence the health of patients worldwide. ."The world-class AI platform for Atomwise structured drug design will guide efforts in hit discovery, accidental discovery to hit-to-lead selection, and optimization of lead compounds. Hansen Pharmaceuticals is committed to biological testing and pharmaceutical chemistry, as well as leading subsequent preclinical and clinical development activities.Under the terms of the partnership, Atomwise will receive undisclosed technology royalties, optional royalties, royalties, and subcontracting authorizations or revenue generated from the sale of the derivative assets. Based on the historical average turnover of small molecule drugs, the potential total value of all successful projects with Atomwise's transaction may exceed potential selling drugs. Hanson Pharmaceuticals will receive development and commercialization rights in all fields and geographies.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ 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://www.zenseegroup.com/forms/view/22113/

WEDNESDAY, SEPTEMBER 11, 2019I-Mab Biopharma (I-Mab), a China and U.S.-based clinical stage biopharmaceutical company exclusively focused on the discovery and development of potential first-in-class and best-in-class biologics in immuno-oncology and autoimmune diseases announces the signing of a collaboration agreement with Shanghai Junshi Biosciences Co., Ltd (Junshi Biosciences), an innovation-driven biopharmaceutical company to evaluate the combination therapy of I-Mab's TJD5, a proprietary innovative CD73 antibody with Junshi Biosciences' Toripalimab (Trade name: Tuoyi), a recombinant humanized anti-PD-1 monoclonal antibody in patients with cancers in China.Dr. Jingwu Zang, Founder and Chairman of I-Mab, commented, "TJD5 is an innovative CD73 antibody with best-in-class potential that has entered into Phase I trial in the US. We are very pleased to collaborate with Junshi to explore the clinical synergies with Toripalimab which is an innovative drug with distinctive treatment advantages. We are looking forward to bringing more clinical benefits to patients across various cancer types."Dr. Ning Li, CEO of Junshi Biosciences, commented, "As an anti multi-tumor drug, toripalimab has shown good safety and efficacy in clinical trials with mono and combination therapy. We believe, through the cooperation with I-Mab, we could continue to explore the combination potential of toripalimab and innovative drugs to improve the outcomes of immune-oncology therapy, lightening hope for more patients.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ 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://www.zenseegroup.com/forms/view/22113/

TUESDAY, SEPTEMBER 10, 2019ProBioGen AG, a premier service and technology provider for complex therapeutic antibodies and glycoproteins, today announced the closing of a license agreement with Bayer AG for the  GlymaxX® Technology. Under the terms of the agreement, Bayer will leverage the technology to further increase the potency of an undisclosed antibody candidate for oncological indications.ProBioGen’s proven antibody-dependent cellular cytotoxicity (ADCC) enhancing technology GlymaxX® will be applied during cell line development.“We are glad to add Bayer to our list of licensees”, says ProBioGen’s Chief Executive Officer Dr. Wieland Wolf. “The GlymaxX® technology is clinically proven and is a very flexible technology which is liked by all cell lines.”About ProBioGen AGProBioGen is a premier, Berlin-based specialist for developing and manufacturing complex therapeutic antibodies and glycoproteins. Combining both state-of-the-art development services, based on ProBioGen’s CHO.RiGHT™ expression and manufacturing platform, together with intelligent product-specific technologies yields biologics with optimized properties.Rapid and integrated cell line and process development, comprehensive analytical development and following reliable GMP manufacturing is performed by a highly skilled and experienced team.All services and technologies are embedded in a total quality management system to assure compliance with international ISO and GMP standards (EMA/FDA).ProBioGen was founded 1994, is privately owned, and located in Berlin, Germany.About GlymaxX®The GlymaxX® technology, developed by ProBioGen, prevents the cellular synthesis of the sugar “fucose” and hence, in antibody-producing cells, its addition to the N-linked carbohydrate part of the antibody. The absence of fucose is known to greatly enhance ADCC. The GlymaxX® technology is based on the stable introduction of a gene for an enzyme which blocks the producer cells’ fucose biosynthesis pathway. As a unique feature, differentiating it from other approaches, GlymaxX® can be applied to both novel or already existing antibody producer cell lines, and entire antibody expression and discovery platforms, without negatively affecting their productivity or other product characteristics.Furthermore, a single GlymaxX® cell line can be flexibly used to produce differently fucosylated products, depending on the upstream process: In fucose-free medium the antibody is quantitatively afucosylated. The same GlymaxX® cell line grown in fucose-containing medium however, uses the provided fucose and produces fully fucosylated antibody. Thus, a GlymaxX® cell line can by employed to produce different products: For instance ADCC-enhanced GlymaxX® antibodies or wildtype-like, fully fucosylated mAbs, for a parallel Antibody-Drug-Conjugate (ADC) project.Finally, GlymaxX® has been used by biosimilar-developing companies to adjust a specific content of fucose in order to match the originators glycoprofile. Overall, GlymaxX® is simple, rapid, potent, and universally applicable to different CHO hosts and all other eukaryotic cell species.ProBioGen offers its GlymaxX® technology royalty-free and non-exclusively as a service or as an individual license.2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/404716/ 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://www.zenseegroup.com/forms/view/22113/

About Us
Contact Us
Zensee_Daystar online