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保险牌照可变更,外资开放加速,国内互联网保险何去何从?
2019-01-12

  近日银保监会发布《互联网保险业务监管办法(草稿)》,其中提到其他保险公司可以变更为专业互联网保险公司,但应当参照新设保险公司的方式提出申请,具体条件和程序由银保监会另行规定,互联网保险牌照有望扩增。同时,第四十九条【业务范围】专业互联网保险公司在全国范围内经营互联网保险业务的险种范围,不受本办法第十一条规定的限制。专业互联网保险公司经营的互联网保险业务,无法通过线上方式完成查勘、理赔等服务的,中国银保监会可以对该业务的经营区域进行限定,指导和督促专业互联网保险公司加强线下服务能力建设。这意味着,专业互联网保险公司理论上可以将任何产品销往全国,其中无法通过线上完成查勘理赔服务的,监管“可以”限定其经营范围;而传统保险公司在设有分支机构的区域销售产品不受限,但在未设立分支机构的区域,却要受到比专业互联网保险公司更多的产品限制。这对于分支机构较少的中小保险公司来说,无疑影响会更大。

  与此同时,中国银保监会昨日发布《关于允许境外投资者来华经营保险代理业务的通知》。其中,《关于放开外资保险经纪公司经营范围的通知》已发布,符合条件的外资保险经纪机构可以向当地保监局申请办理许可证变更手续,将与中资保险经纪机构享有同等经营范围。两个通知的下发,意味着保险中介业务中另两大领域——保险代理及保险公估的对外开放亦紧随而至。在此之前,外资在中国保险代理及保险公估领域的投资多以参股为主,即境外股东在保险代理机构、保险公估机构中的持股比例不得超过25%。作为例外,根据CEPA补充协议,自2008年1月1日开始,允许符合条件的香港、澳门保险代理公司在内地设立独资保险代理公司。这意味着,未来外资进入保险代理、保险公估领域的组织形式可以更加灵活,在合资保险代理、保险公估公司中可以谋取控股地位,甚至还可以以独资子公司的形态经营,外资保险代理、保险公估机构的经营灵活性与自由度无疑将有所增强。

  自1992年上海展开保险对外开放试点迄今,保险行业的开放已走过26年,其中经历过制定城市试点、加入WTO的小步尝试,再到过渡期过后的完全放开,保险行业的对外开放又将迎来小高潮。从友邦保险1992年进入上海,到2017年底的50家外资险企(包括合资),外资险企数量一直在平稳增长;不过,在3.66万亿保费收入的世界第二大保险市场,数量近三成的外资仅占据了5.85%的市场份额

  在德华安顾人寿相关负责人看来,外资保险公司的优势在于其专业化运营方式及百余年的市场化运行经验,多样化的中外资持股比例和公司治理结构不仅可以优化决策流程,提升决策效率,还将外国保险公司先进的运营理念、产品设计、风险管控体系更**地贯彻到日常经营中,在优化保险业发展环境的同时,为国内企业及民众提供多样化的养老、健康风险解决方案

  数据显示,2017年,外资保险公司原保险保费收入2140.06亿元,占市场份额的5.85%,比去年同期增加0.76个百分点。其中,外资财产险公司市场份额较低,外资财产险公司原保险保费收入206.39亿元,市场份额1.96%。外资人寿保险公司市场份额相对较高,外资寿险公司原保险保费收入1933.66 亿元,市场份额占有率为7.43%。面对前景巨大的中国保险市场,市场份额并不大的外资会选择怎么样的方式来分食蛋糕呢。在业内人士看来,可能会出现两点显性的变化:一是现有的合资企业中外资股东的持股比例会持续上升,虽然近期监管层发布了关于险企股权的管理办法,对单一股东的持股比例做出了三分之一的限制,但外资股东并不受影响;另一种可能性是外资以设立新的市场主体的身份参与到中国的保险市场中来。

  波士顿咨询合伙人兼董事总经理胡莹看来,外资以哪种方式进入也与监管机构对于牌照的管控程度有关。在她看来,在这一波开放的浪潮里,可能会有一些非主流的玩家出现市场上,特别是互联网公司。“对于互联网公司来说,在牌照申请还是有一些限制的,面对保险业务,它需要更专业性的指导,更需要一个好的品牌,与国内保险公司联姻可能会存在与原来业务的竞争关系,所以互联网公司和外资进行联姻的可能性比较大。目前市场已经出现这种风声,双方的合作会给外资一个更快进入市场的机会,其所掌握的数据更是能解决外资进入市场‘巧妇难为无米之炊’的难处。”

  外资保险公司面对的多是发达的市场,因而更看重经营的效益,而中资险企面对的是新兴市场,更看重市场规模,当前*需要做的是跑马圈地,占据更多的市场份额。北京工商大学保险学系主任王绪瑾教授如是说。

  保险代理机构、保险公估机构的外资持股比例放宽后,将引发新一轮保险代理、保险公估机构的设立与并购热潮。对内传统保险牌照可转换为互联网牌照,对外外部资本正在加速进入中国互联网保险行业市场。对于国内互联网保险企业应如何应对?传统企业如何破局?机遇与挑战并存的时代,如何趁势而起,实现弯道超车?

  2019中国互联网保险创新峰会将在4.11-12为您精彩呈现,如果您对中国互联网保险行业未来发展有疑问,有困惑,欢迎您加入中国互联网保险创新峰会2019(CIIS2019)。

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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/

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