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最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务监管与政策

香港保险科技发展进入快车道,下月颁发首个牌照

本周,香港保险业监管局(后文简称HKIA)首席执行官张云正(Clement Cheung)表示,香港将追随新加坡的脚步,建立保险科技发展快速通道,并于下月颁布香港地区首个牌照。

过去一段时间以来,各方对香港未能紧跟金融科技发展提出了不少批评,而本次HKIA方面的声明也算是对相关意见的一种反馈。

来自HKIA(2017-18)年度报告的内容显示,这个快速通道系统最早于2017年9月推出。

而监管机构颁发牌照的时间基本与预测的2018年年末到2019年年初之间的时间段相符。

目前,HKIA并未对外透露这家保险机构的名称。

据统计,目前香港地区保险市场的保费规模高达630亿美元,主要保险机构包括友邦保险集团、保诚集团和永明金融等。

而且,香港的大多数保险产品都是通过代理商、银行和经纪人等中介机构销售的。

此外,HKIA还希望在2020年设立投保人资本保护基金,并在此之后一年或两年内为保险公司实施基于风险的资本制度。

Clement Cheung, CEO of Hong Kong’s Insurance Authority (HKIA), told Reuters it is planning to issue its first licence next month as a result of its fast-track system.

This is the first licence issued through HKIA’s fast-track system, which follows the example of Singapore’s equivalent.

This fast-track system is HK’s way to counter the criticisms that it hasn’t kept up with financial technology developments as well as other geographies. According to the HKIA’s Annual Report 2017-18, this fast-track system was launched in September 2017.

Throughout the past year, the regulator estimated the release date of the first licence as early as late 2018/early 2019. Pretty accurate prediction.

The name of the insurer hasn’t been revealed, but it is estimated the city’s insurance market has $63 billion in premiums, with players like AIA Group, Prudential and Sun Life Financial.

Currently, most insurance products in Hong Kong are sold via intermediaries such as agents, banks and brokers.

As part of Hong Kong’s fintech push, the banking regulator is also expected to issue the first batch of licences to online or “virtual” banks by end of this year.

The IA is also looking to set up a policyholders’ capital protection fund in 2020 and implement a risk-based capital regime for insurers a year or two after that.

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