Insurance And Financial Yield 6.9% Grab The Baby Corps "Rice Bowl"

< p > > the world's < a target= "_blank" href= "//www.sjfzxm.com/" > clothing < /a > a target= "_blank" href= "_blank" > shoes < < hat net "Xiaobian introduced to you is the insurance and financial return rate 6.9% baby corps" rice bowl "was robbed.

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< p > it is reported that in the balance of treasure and other babies are not in the scene, yields are falling steadily, Jingdong, Baidu, Taobao and other Internet platforms, in these days, launched in the past few years, the expected yield of about 6.9% of the insurance products, breaking the "baby" adhere to the 4% to 5% yield.

Is the insurance company rebuilding the "ecological circle"? < a href= "//www.sjfzxm.com/news/index_cj.asp" > "insurance financial affairs < /a >" can the product become the development trend of Internet Finance in the future? < /p >

< p > Jingdong financial joint Pearl River Life Insurance Co., Ltd. launched an insurance product in the middle of this month. The expected annual yield is 6.9%. It is a universal insurance. The investment direction covers various investment plans such as credit, trust, infrastructure and real estate.

Customer service admitted that the product was sold out for two days, and the market reaction was unusually hot.

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< p > Jingdong financial customer service: just a few days ago, just launched an "win win No. 1" side may just be offline. Now it is a little late. Just two days have just been sold out, and the expected revenue is 6.9%, which is higher than that of the balance treasure and the small Treasury. It is one thousand yuan from the sale.

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< p > not just Jingdong, but Baidu financial also launched the lowest 1000 yuan selling insurance and financial products.

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< p > Baidu financial customer service: insurance and financial products have been sold out for 180 days, and 6.5% yield is expected.

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< p > < strong > Insurance and financing may be difficult to copy the balance treasure legend < /strong > /p >

< p > data show that in the first quarter of this year, 47 family insurance companies sold insurance products through the Internet, with a premium of 2 billion 712 million yuan.

AI consulting predicts that in 2016, China's insurance e-commerce market will earn 59 billion 50 million of online premium income, while insurance financing is likely to become the two high selling point of Internet financial products.

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< p >, so whether the insurance companies have entered the stage of rebuilding the "ecological circle"? Will insurance and financial products replace the "baby" financial products such as balance treasure, money paid and so on, and become the trend of Internet sales in the future? Hao Yansu, Dean of the insurance Academy of Central University of Finance and Economics, has given a negative answer.

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< p > Hao Yansu: at present, the products are sold by some small companies. Regular large companies seem to have not adapted to the market.

Some small and medium-sized companies actually deviate from the basis of insurance protection. Attracting customers through financial management has some obstacles to the development and sustainable operation of the industry. I personally believe that it is also a short-term pitional operation.

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< p > the insurance products with a yield of about 7% can only rely on the insurance companies to earn money by calling for money, and the scale is limited. Moreover, the latest requirements of the CIRC, the insurance companies report the stock of high cash value products, which exceeds the proportion, and require additional calculation and extraction of the minimum capital, which may limit the enthusiasm of the high interest products.

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< p > however, Tuo Guozhu, director of the Rural Insurance Research Institute of Capital University of Economics and Business, has different views.

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< p > Guo Guo: now people may be used to buying insurance products online. If the products are well designed, there is a good market on the Internet. The Internet also has a shortcoming. When designing the content, it should be concise and easy to understand. If it is complicated, it will not necessarily be suitable for sale on the Internet.

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Chen Wenhui, vice chairman of the China Insurance Regulatory Commission, said yesterday that Internet insurance is still in its infancy and needs a more tolerant development environment. Regulators hope to monitor and manage them with an attitude of encouragement and tolerance. P

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< p > the combination of the insurance protection function and the revenue function of common financial products helps the potential income of insurance products to be higher than that of monetary fund products. It has become a force that can not be ignored in the development of Internet finance. However, the shortcomings of the protection function are single, the funds can not be freely redemption, and the total insurance market is less than 3%. This implies that although the Internet insurance and financial products are flourishing, it may be difficult to duplicate the legend of "a href=" //www.sjfzxm.com/news/index_c.asp "> balance treasure < /a > 1 years of absorbing 250 billion yuan.

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