On August 21, a appear on the market company contemporary investment (000900, ) Inc. (the following abbreviation " contemporary investment " , 000900.SZ) issues announcement, say to plan to will hold a subsidiary Hua Jie of 51% to be sure to act as agent finite liability company (the following abbreviation " Hua Jie company " ) equity undertakes cession. In last few years, each capital is contended for swarm into insurance intermediary market to enlarge financial domain, among them, there is no lack of to be entered blindly bureau person midway evacuate.
Be worth what carry is, in insurance " produce and sale is separate " below setting, insurance intermediary orgnaization appears foreground is considerable, but from at present the operation case of insurance intermediary looks, most orgnaization front faces the awkward situation with net contractive profit. The common cause of its backside, depend on capital actual strength sufferring be restricted, business dimensions expands hard, this one current situation is inside short time, or also defeat hard bureau. Here premise falls, the personage inside course of study is analysed, insurance intermediary market have not saturated, each orgnaization can send force to break through from the respect such as education of business distribution, talent.
Contributive prepare to construct after insurance representative company " go back on one's word " , contemporary investment resolutely retire at the height of one's official career
The China triumph company that drafts equity be cessioned this is produced in April 2017, when those, contemporary investment and limited company of group of development of new developed area of Hunan Hunan river (the following abbreviation " Hunan river develops " ) create Hua Jie company jointly, provisional at that time name is limited company of representative of contemporary investment insurance, register capital 50 million, contemporary investment is held 51% , hunan river develops the 49% capital stock of hold the others.
Announcement shows, contemporary investment establishs China triumph company, it is the movement of the market opportunity that seizes Hunan Province to increase insurance to reform progress, meaning quickening financial board piece business distribution, abound financial industry condition, do do actor by force to do big banking board piece. After 2 months, hua Jie company is registered, during still preparing to construct at present.
Inadequacy is lain between two years when, contemporary investment why " suddenly turn hostile " , below the setting that swarms into to market of intermediary of insurance, insurance in succession in each capital, does the choice transfer equity of Hua Jie company? To this, la Jingbao covers contemporary investment nearly relevant controller, its express, equity of company of triumph of China of sell one's own things, basically be to be based on focusing advocate of course of study think.
Public data shows, contemporary investment develops 5 initiator such as head office by construction of Hunan Province highway contributive establish, advocate business Wu is maintained for the conserve of advanced course highway and collect fees manage, at present total market prise is made an appointment with 6.3 billion, current A 1.517 billion. On October 27, 2017, contemporary investment stops a card, express to planning major asset recombines item, this year on May 30, contemporary investment answer card, asset recombines come to an end.
"On the other hand the reason is to be based on be on guard of financial venture think, at present enterprise of short duration shares relevant professional work without energy " , contemporary investment chief complements.
Business distribution " break an agreement " , appetent focusing advocate does contemporary investment run line of business at present circumstance how? According to contemporary investment of newest exposure half annals showed 2018, this year first half of the year, contemporary investment business income achieves 4.453 billion yuan, relatively go up year of the corresponding period is cut 2.83% , although battalion closes,have slight glide, but gain case is better, vest in appears on the market the net gain of company shareholder comes true 495 million, buckle profit of the net after blame for 476 million, all relatively on year the corresponding period grows 2 to become.
Cash flows a respect, this year first half of the year, net specified number is the cash flow that contemporary investment manages an activity to arise 444 million yuan, relatively go up year of the corresponding period is cut 9.35% , and the cash flow that invests mobile generation is shown pour out of condition, net specified number is - 934 million yuan of; at the same time, raise fund the cash flow net specified number that the activity produces is 461 million yuan.
"Make over equity of China triumph company to won't produce any effects to contemporary investment operation " , and introduce according to contemporary investment chief, china triumph company has not decide equity suffers at present let square, can which capital lends machine sortie insurance intermediary market, still be unknown.
"Before this, the appearance that is put in partial capital to swarm into insurance intermediary market blindly " , economist Song Qinghui says frankly, this has bigger negative effect to insurance intermediary, suggest the company is prudent and go.
Detached trend already decided insurance produce and sale, much intermediary orgnaization is clean first half of the year profit is contractive
Since 2017, insurance intermediary license plate goes hot continuously, each capital is contended for swarm into, the insurance intermediary market nowadays, be La Hai or the Red Sea after all?
In fact, before this, in the course that in Internet sale platform builds stage by stage, insurance goes the view cause a temporary clamor that intermediary changes, insurance intermediary is sung to decline for a time, but in light of practice, this one view already collapse of itself. On one hand each capital all is in emerge to insurance intermediary market move, wait like BATJ, large hypostatic company, drive insurance intermediary market progressively plentiful.
On the other hand, occupy from the sale look than coming, action of insurance intermediary orgnaization cannot small gaze. Be like orgnaization of professional insurance intermediary in order to look to share degree of inferior Internet money risk sale status is exemple, according to middleman and guarantor assist newest statistic data, this year first half of the year, the business that comes true through net of official of insurance company PC is apparently atrophic, shift carries fall after a rise to come with the corresponding period kept balance last year, and the insurance cost that comes true through tripartite channel promotes 10.4 percent compared to the same period, occupy than about 55% . Among them, the insurance cost income that comes true through professional intermediary orgnaization is 6.762 billion yuan, occupy than 21% , grow nearly 1 to become compared to the same period.
"Undeniable, get a society relatively defective to acknowledge of intermediary of insurance, insurance, market development is non-standard the influence that waits for an element, development of insurance intermediary future still has very long way to want " , pass change Zhang Mingming of vise general manager of insurance broker limited company to be analysed nearly to La Jingbao, but OK and affirmatory is, "The development hasten certainly will of insurance future is depart of produce and sale surely " .
Began 2013, policy is driven below, insurance company high grade resource main focusing manages at product research and development, risk and danger endowment is applied, the function such as the market, sale comes off stage by stage, insurance is moved toward " produce and sale is separate " , here premise falls, many personage inside course of study points out, "The acting danger of professional intermediary orgnaization is planted diversity, risk seeks advice, the advantage such as administrative experience is shown stage by stage " .
"The trend with separate produce and sale, bring good development good luck to insurance intermediary, this also is the main factor that capital enters insurance intermediary market " , the analysis weighs Song Qinghui. So current circumstance of operation of insurance intermediary company how? The near future, much home is new 3 board the insurance intermediary company that appear on the market is announced half an year signed up for 2018, la Jingbao combs half an year of company of 6 insurance intermediary to sign up for data to discover nearly, integral expression, do not calculate hopeful.
Insurance intermediary goes hot to show capital midway to fold however return profit of much orgnaization net to contract
Above all, from the point of business income circumstance, battalion of company of 6 insurance intermediary receives two-way become divided, 3 battalion close to grow compared to the same period, be like China into insurance, battalion closes to grow nearly 8 to become compared to the same period, in the meantime, also battalion of 3 danger look forward to closes as in former years, embellish unripe insurance does business first half of the year this year income shrink exceeds 5 to become.
What deserve attention more is, in orgnaization of 6 insurance intermediary, only collect security risk to buckle blame net profit to go up compared to the same period, other 5, the benefit that includes battalion to close to go up considerably China insurance and China into insurance, buckle blame net profit all somewhat shrink, among them shrink of profit of net profit of embellish unripe insurance is most serious, this year first half of the year only gain 1.036 million yuan, compared to the same period cut about 6 into.
Capital actual strength is finite develop dense disease into insurance intermediary orgnaization, distribution of talent, business or into breach
Peep one spot and see whole picture, company of most insurance intermediary or front face the situation of net profit shrink. La Jingbao combs half annals to discover nearly, dimensions the phenomenon such as wave motion of finite, commission, appear often in each enterprise " self-communion " in.
Above all, look forward to of much home danger all expresses in annals, its are current business dimensions is lesser, capital actual strength is finite, sale mode still is given priority to with traditional sale mode. From the point of the net assets circumstance of orgnaizations of afore-mentioned 6 insurance intermediary, vest in hangs out his shingle equational cloth is in the net assets of company shareholder 10 million to 160 million yuan of interval inside, belong to small property company.
In fact, majority of insurance intermediary company is operation of small capital fund, but what cannot ignore is, because partial risk look forward to asks to see the money goes sheet, insurance intermediary company needs the capital with fixed pay for sb and expect to be repaid later as intermediate link, this raises a requirement to its capital actual strength, and the company with capital limited actual strength, enlarge dimensions further hard, cause management cost cannot apportion, profit margin is inferior.
Farther, orgnaization of many insurance intermediary all says frankly, "Insurance representative market appears an operation to jump over big company, competition ability is stronger; operation is lesser and the insurance representative company with service poorer quality, competition ability jumps over weak feature, prospective market is spent centrally will rise further " . By this token, capital actual strength suffers be restricted, as lesser as business dimensions, form a malign closed circuit already.
In addition, from the point of sale channel, current, orgnaization of many insurance intermediary expresses to still be given priority to with the sale channel below traditional line, claim to applying intelligence of Internet battalion carry, plan to build Internet sale platform, develop the method of of all kinds science and technology such as big data, mobile communication to endow with can in-house managing at the same time, cost control, and risk canal accuses.
Be worth what carry is, the science and technology that pull a hand needs much capital investment necessarily, the insurance intermediary company of operation of small capital fund returned capital actual strength again it seems that in finite difficult problem loop. Theory talks easily, be born is difficult however, "To insurance intermediary company, the investment that shapes basically, basic technology supports, all be requisite " , recently, extensive China gold accuses president to hold speak bluntly of Lin Ye of CEO bark spring concurrently, "The fundamental premise that enough capital support is insurance intermediary development " .
However, although be sure,the short time of capital actual strength of intermediary company is broken through hard, but do not mean its to did not develop pessimism. "Insurance intermediary market is very big, and involve different field, each insurance device all differs somewhat to the understanding angle of different domain client, deepness " , stand newly Guo Tingli of insurance network general manager says to analysis of La Jingbao risk, "Insurance intermediary market did not form forestall, perhaps say the competitive pattern of standardization, still a lot of spaces can offer intermediary orgnaization deep ploughing " .
La Jingbao is combed nearly new 3 board appear on the market the discovery when half annual report of insurance intermediary company, distribution of business of each intermediary orgnaization already differred dissimilation now, on one hand, the part basically relies on the intermediary company at money risk business to building platform to develop to birthday danger at present, antenna of comprehensive and outspread business. Be like China into insurance, express to building system of basic law of perfect birthday danger namely, the branch is opened in countrywide limits, the key develops business of area birthday risk.
On the other hand, have insurance intermediary company more the essence of apt fractionize market is agrarian, if Long Kun is safe, namely dedicated at supplying the insurance representative business of catenary domain, to supply chain the enterprise of each link offers the insurance product of the much azimuth such as belongings, personnel, responsibility, pass setting confluence at the same time, make custom-built change content to shed insurance product.
Outside dividing business structural adjustment, the talent consolidates also is development of insurance intermediary company is important one annulus. "Chinese intermediary develops all the time very slow, the handsome appearance that belongs to intermediary truly is rare be short of is one of reasons namely " , wang Chunlin expresses, "Insurance intermediary takes a talent seriously to build, need ' inside bring outside Yo ' , alleged inside Yo should have enough time to train a batch of people namely, this batch of people know a company, know the strategy, understand carry out, needing outside force of time training; also is must, introduce a talent to need time to be bred again likewise " .
