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Baker & McKenzie:亚洲保险科技行业走入监管迷宫

全球法律公司Baker & McKenzie的最新报告《科技保险革命:保险部门监管更新和创兴革命》认为,随着保险科技领域(特别是远程信息处理、生物统计学和大数据)投资的增加,亚洲保险公司正在逐渐走入监管“迷宫”。该报告列举了现有的参与者和新进入竞争者关心的核心问题:对数据隐私的处理、网络安全问题、保险科技监管方法的大范围变更、安全和开发人才、技能和知识。

随着保险科技关注度和投资的增加,该报告旨在针对复杂的科技保险监管和创新趋势,特别是可能对保险公司带来直接冲击和破坏的大数据领域,提供他们的观点和理解。例如在香港,对于远程信息处理的使用变得益发普遍,使保险从业者能更好地收集客户的行为信息,进而对他们的客户有一个更深刻的理解,从而为产品开发指明更好的方向并且实现更准确的风险定价。

而中国大陆地区在这一点上就有所不同。尽管最近的报告指出中国监管当局对于金融科技和保险科技业务带来的潜在风险日益关注,并且将进一步起草新监管条例收紧对互联网借贷、网络支付和互联网保险业务的控制,金融科技和保险科技在中国仍然是刚刚兴起的产业。

根据Baker & McKenzie 保险实践合伙人Martin Tam的观察:“中国大陆和香港在金融科技和保险科技业面临的挑战还是有相似之处的。香港的监管体系非常复杂且针对特定的行业,同时,执照许可和注册审批通过在不同的案例中有不同的标准。另一方面,中国大陆的金融服务部门被多个机构监管。监管当局之间缺乏配合方案导致缺乏特定的监管条例和对金融科技和保险科技创新的监控。但是,中国政府正在考虑成立一个中央金融和货币监管机构,该机构有权力监管大部分(如果不是全部)科技金融和科技保险活动,从而解决该问题。”

该报告指出,新加坡保险公司正在寻找数据挖掘方法去识别针对痴呆和肥胖等临床疾病的承保机会。开发和获取大数据能力也意味着保险公司更有能力采用穿过整个保险业价值链的点对点分析方法。

根据新加坡公司Baker & McKenzie的负责人、金融科技和保险科技业专家Stephanie Magnus的观点,保险从业者需要设计新的系统,让这些分析适当地植入到提供保费折扣和预测未来保费等提供给客户的服务中。

Magnus解释道:“由于使用该分析技术会直接影响用户,任何程度的滥用、泄露和不适当使用都会给保险商带来信誉危机。在法律上,保险商当然需要需要格外注意确保这些信息的精准和可靠,并同时确保他们可以保护客户的隐私。香港和新加坡等亚洲中心一直在努力理解和利用科技金融和其他金融服务子部门带来的机会,其中保险业成为主要的关注对象。监管者如何应对这些混乱并简化当前市场中的监管迷宫并同时保护消费者和产业,将决定了谁是这场比赛的赢家。”

当评论到未来保险科技的发展趋势时,Tam有所补充。

“未来,保险公司将会寻求和新兴电子保险创业公司或者远程信息处理相关公司等非保险业科技公司的合作或者合并,从而提供新产品和更好的价格风险、延伸价值链并提高效率。另一个值得关注的领域是‘及时’保险。传统概念的保险是一个时间跨度非常长的资产,但是这一概念已经过时。公司将会开始移向一个更加交易型的概念模型,让及时保险可以在移动端发送并在几秒内签署。”

Insurance companies in Asia are facing a “labyrinth” of regulations as they increase investment in the insurtech space, particularly in areas such as telematics, biometrics and big data, according to The Insurtech Revolution: Regulatory Updates and Innovative Evolution in the Insurance Sector, a new guide by leading law global law firm Baker & McKenzie. The report also draws out the key concerns for established players and new entrants, namely, dealing with data privacy, cybersecurity concerns, wide variations in regulatory approach to insurtech and securing and developing talent, skills and knowledge.

With interest and investment in insurtech on the rise, the guide aims to provide insights around the complex insurtech regulatory landscape and innovation trends, particularly in big data, that are likely to impact and disrupt insurers directly. In Hong Kong, for example, the use of telematics is becoming more prevalent, enabling insurers to accumulate a wealth of customers’ behavioral information thereby allowing insurers to have a deeper insight of their customers, which in turn will ideally assist in formulating new directions for products and pricing their risks more accurately.

This contrasts with China where fintech/ insurtech innovations are still a relatively recent phenomenon, although recent reports have suggested that Chinese regulators have become increasingly cautious about the potential risks posed by fintech/ insurtech businesses and are in the process of drafting new rules to tighten up the control over internet lending, internet payment and internet insurance businesses, according to the report.

“The challenges that fintech/ insurtech businesses face in Hong Kong and China are not dissimilar. The regulatory regime in Hong Kong is complex and sector-specific; and often times, the licenses and regulatory approvals that need to be sought differ on a case-by-case basis,” observed Baker & McKenzie Insurance Practice Partner Martin Tam. “On the other hand, China’s financial service sectors are regulated by multiple authorities. The lack of a coordinated scheme among the regulators often results in a lack of specific guidance and supervision of fintech/ insurtech innovation. However, this problem may soon be resolved as the Chinese government considers setting up a centralized financial and monetary regulator that may have comprehensive power to regulate most (if not all) fintech/insurtech activities.”

The report notes that Singapore insurance companies are looking to mine data sets to identify underwriting opportunities for those who suffer chronic illnesses such as dementia and obesity. Developing or acquiring big data capabilities can also mean insurers are better able to adopt end-to-end analytics solutions that cross the entire insurance value chain.

According to Singapore-based fintech and insurtech expert Stephanie Magnus, Principal, Baker & McKenzie.Wong & Leow, insurers will also need to devise controls and systems for these analytics to be appropriately integrated into the offering to the customers, such as offering premium discounts and determining future premiums.

“As the use of such analytics may directly affect the customers, any incidents of misuse, leakage or improper application of such analytics will pose a reputation risk for the insurer. Legally, insurers will of course need to be particularly mindful of the need to ensure the accuracy and reliability of this information, and of course how they can protect the privacy of customers,” elaborated Magnus. “Asian hubs such as Hong Kong and Singapore have been working hard to understand and harness the opportunities inherent in fintech, and this is quickly expanding to other financial services subsectors, with insurance becoming a prime focus. How regulators embrace this disruption and simplify the current labyrinth of regulations in their market while protecting consumers and businesses will determine who wins this race.”

Commenting on the future insurtech trends, Tam added,

“We can expect to see insurance companies seek to acquire or team up with non-insurance tech players such as new digital insurance start-ups or telematics-related companies in order to deliver new offerings and better price risk, extend the value chain and have greater overall efficiency. Another area to watch out for is “just-in-time” insurance. The traditional concept of insuring an asset over many periods is outdated. Instead, businesses will start to move to a more transactional consumption model where just-in-time insurance is delivered on mobile and underwritten in seconds.”


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