Keji

Insurance technology products are listed together.

2017 can be said to be a year of insurance technology in generate. Unlike the previous tinkering with face recognition insurance, many insurance companies began to list insurance technology as their development strategy. Insurance companies and internet giants have demonstrated their scientific and technological strength, or applied blockchain technology, or launched AI (artificial intelligence) products, and opened relevant platforms to the industry. "Technology+Insurance" is transitioning from concept to application, and the impact of technology on the insurance industry has really begun.

For example, China Pacific Insurance put forward the strategy of "Digital Pacific Insurance" this year, and recently it made a high-profile appearance with the smart insurance product "Alpha Insurance". China Ping An also recently released "smart insurance cloud" products, including "smart authentication" and "smart flash compensation". The same market participants are Ant Financial. In the first half of this year, Ant Financial successively launched products such as "auto insurance" and "fixed loss treasure". Some internet insurance companies, such as Zhongan Insurance, and insurance sales companies have also launched insurance technology products such as big health and smart investment.

Consumers always think that insurance products are far away from themselves, and the emergence of insurance technology will make products suitable for more scenarios. At present, the insurance market is facing great user demand, but some insurance companies and platforms have valuable user resources, but they have failed to meet the needs of users successfully, and lack the mechanism and system of activation, retention and transformation. How to connect users’ needs and insurance ability, the role of insurance technology is essential.

Sikao

Enter the tuyere or fall into the bubble?

According to the industry forecast, the insurance technology market has great potential and will reach 2.4 trillion by 2021. For this reason, traditional insurance companies and internet companies are actively moving closer to insurance technology, trying to share the pie.

Zhongan Insurance, the first Internet insurance company in China jointly established by Alibaba, Tencent and Ping An Insurance, has been called the "first share" of insurance technology by the industry. At present, the insurance industry pays more and more attention to technology research and development, and the landing and application of insurance technology are also increasing. Does insurance technology enter the market or fall into the bubble? Many people in the industry said that the current development of insurance technology is somewhat blind, many of which are the products of a momentary fever, and many technical things are aimed at auto insurance, but insurance companies are not aware of it. In addition, insurance technology products such as smart investment and care are of little significance unless they can really evaluate and guide family wealth and family health.

The focus of insurance technology is how to better meet the needs of users. In China, many people don’t know enough about insurance, and they don’t agree with its cost performance and other aspects. The emergence of insurance technology enables the industry to "educate" the insurance market by means of science and technology, to do things that benefit and educate users through science and technology, and gradually let consumers accept insurance.

It should be reminded that with the continuous penetration of new technologies into the insurance industry, almost all insurance production links, including product design, pricing, sales and claims settlement, are being reshaped. The existing regulatory framework is based on the traditional operation mode, which is not suitable for insurance technology to some extent, and it is still blank in some fields, and it is urgent to speed up the research on regulatory policies and improve rules.

Strong Confidence, Open a New Bureau | Spring Tide Surges and Power Surges —— Developing Confidence from Six Stories

  Everything is reviving and thriving.

  In a scene full of enthusiasm and vitality, Xinhua News Agency reporters recently visited Zhejiang’s production workshops, ports and docks, professional markets and scientific research institutes intensively, and felt the fundamentals of China’s economic improvement in silent but powerful stories; Experience the strong pulse of "confidence flow" in the rolling forward of import and export flow, intellectual flow, innovation flow and consumption flow.

   Feel the great potential of China’s foreign trade in "one in and one out"

  — — Story 1: "Return" Raja

  With curly black hair and wheat skin, Raja, a heavy-eyed Indian businessman, was busy in Yiwu China Commodity City early in the morning. He picked up the goods on the shelves, observed and compared them, and quickly recorded relevant information with his mobile phone.

  "I haven’t been back for three years, and I miss it here too much." Raja smiled with joy.

  Yiwu China Commodity City has the reputation of "world supermarket". In the market with a business area of over 6 million square meters, there are 75,000 merchants and 2.1 million kinds of commodities, with a daily passenger flow of 200,000, and 15,000 resident foreign businessmen at peak times.

  Affected by the epidemic, the bustling market in the past was deserted, especially for foreign businessmen, who were inconvenient to come to China and could only communicate with merchants through screens and telephones, which had a great impact on business.

  "My business has dropped by nearly 30% in these three years, and China people like to say ‘ Seize the day ’ It is too in line with my current mood. " This businessman, who has been engaged in Sino-Indian trade for more than 20 years, booked an air ticket to China for the first time after the epidemic prevention and control entered a new stage.

  Toys, stationery, artificial flowers, luggage … … Raja’s shopping list is long and varied. It is for this reason that he increasingly feels that he can’t live without Yiwu, a super-large market.

  "We will set up a trading company in Yiwu this year, bring more friends to purchase, and plan to buy 400 containers of goods! China products with frequent new products, high quality and beautiful price will definitely sell well in my country. " Raja said.

  The return of "Rajas" makes the merchants in Commodity City more confident. Lu Qingrong, the owner of Jingrong Toys, said: "The merchants and orders are wave after wave. The orders received in the beginning of the year have already been arranged in May and June. It is estimated that the sales this year will increase by 30% over the previous two years."

  The data shows that the number of resident foreign businessmen in Yiwu has risen steadily, and now it has exceeded 10,000. In January this year, China-Europe trains in Yiwu, Zhejiang Province started 240 trains and sent 20,140 TEUs, with a year-on-year increase of 172.1%.

  Raja (right), an Indian businessman, buys in a toy shop in Yiwu China Commodity City (photo taken by Xinhua News Agency reporter Huang Zongzhi on February 2, 2023).

  — — Story 2: Chen Xiaojun who spans 40,000 kilometers.

  From the United States to France, the Netherlands, Norway, and then to Cambodia, since November last year, Chen Xiaojun has been taking the company team around the clock, with a round trip of nearly 40,000 kilometers.

  Ligao Holding Group, founded by Chen Xiaojun, has an annual output of 30 million bags. However, affected by the epidemic, the luggage industry has been hit hard, and so has Ligao. How to break the game? Go out!

  "If the customer returns the drink cup, he can change it to 1 euro." This detail of Norwegian street drinks shop deeply touched Chen Xiaojun: green and low carbon is not only an initiative, but also a big business opportunity.

  Not only Europe, but also some countries in other regions are vigorously promoting packaging recycling and carbon reduction monitoring. A large number of small and medium-sized enterprises have included green and low carbon in their development plans, which is rare in the past.

  This "going out to sea" after a lapse of three years prompted Chen Xiaojun to respond quickly.

  After returning to China, he immediately formed a team and put himself into a new track — — Using recycled materials to make green luggage with replaceable and repairable parts and easy reuse.

  Since the beginning of this year, the orders of the old customers of Ligao have increased by more than 30% on average, and their confidence in holding the leading position in the industry has been further enhanced.

  The data shows that in December last year, Zhejiang government and enterprises joined forces and moved from time to time, and "went out to sea" 20 groups in a single month, obtaining new orders of more than 18 billion yuan. In 2022, the import and export scale of Zhejiang Province reached a record high, of which 3.43 trillion yuan was exported, up 14.0% year-on-year.

  Feel the vigorous driving force of China’s high-quality development under the tide of innovation

  — — Story 3: "Birthday" is the grand corridor of 80 science and technology subjects.

  Where is "Zhongguancun" and "Zhangjiang" in Zhejiang? Hangzhou Chengxi Kechuang Corridor! Shi Huang Kai has a firm answer in his heart.

  Shi Huang Kai is the deputy director of the Hangzhou West Science and Technology Corridor Management Committee. This large corridor starts from Yuquan Campus of Zhejiang University in the east and ends at Zhejiang Agriculture and Forestry University in the west, with a total length of 39 kilometers and an area of about 416 square kilometers.

  This corridor, the position is not small. Five laboratories in Zhejiang Province, including Zhijiang Laboratory and Xihu Laboratory, have gathered 2,597 state-level high-tech enterprises, 80 state-level science and technology platforms and 520,000 professional and technical personnel.

  "Every working day here, 80 new science and technology subjects can be added, which provides a steady stream of power for high-quality economic development." Shi Huang Kai said.

  At present, Hangzhou Chengxi Science and Technology Corridor is accelerating the cultivation of new economic growth poles by relying on the advantages of innovation foundation. Since its establishment seven years ago, the added value of the large corridor industry has increased from 106.33 billion yuan to 311.98 billion yuan, with an average annual growth rate of 20.5%, of which the contribution rate of high-tech industries has exceeded 75%.

  The data shows that in 2022, scientific apparatus, Zhejiang Province achieved a zero breakthrough, Zhijiang Laboratory was incorporated into the national laboratory system, and 10 provincial laboratories and 10 provincial technological innovation centers completed the layout, and the driving force of science and technology innovation became stronger and stronger.

  In the Zhijiang Laboratory Computing and Data Center located in the Kechuang Corridor in the west of Hangzhou, engineers monitor the running status of the server cluster through the "Zhijiang Cloud" system (photo taken by Xinhua News Agency reporter Huang Zongzhi on June 23, 2022).

  — — Story 4: Cars that "change lanes and overtake"

  "In the past, we felt that it was fashionable to drive imported cars from Europe and America. Now the main market for new energy vehicles we export is Europe." Chen Guanliu’s face was filled with pride when he mentioned the change of car’s "flow direction".

  Chen Guanliu is the deputy director of manufacturing of Lingke Automobile Yuyao Factory. Among the domestic high-end automobile exports of more than 250,000 yuan, the Lexus automobile market ranks first.

  Engaged in the automobile industry for 17 years, in Chen Guanliu’s view, it is too difficult for China’s traditional fuel vehicles to catch up with Europe and the United States in an all-round way, but on the brand-new track of new energy vehicles, we have kept pace with the European and American automobile industries in many aspects, and even have advantages in intelligent driving and power system.

  Lingke is located in the super factory in Yuyao, Ningbo. All production rhythms are calculated according to "seconds" or "minutes": 4 seconds, 6,000-ton punching machine goes up and down once, and two sets of body plates are punched out; In 63 seconds, four flexible robots drive high-precision cameras to measure 80 points of the whole vehicle; 526 robots flew up and down, and the spot welding automation rate of more than 5,800 solder joints reached 100%. In 60 minutes, 45 cars were rolled off the assembly line.

  "Even if the production is at full capacity, the overseas orders of the factory have been scheduled after April this year." Chen Guanliu said, "This is confidence and confidence."

  The data shows that: seize major opportunities in advance and lay out the track of emerging industries. With the new energy automobile industry as the representative, four trillion-level advanced industrial clusters, 15 billion-level characteristic industrial clusters and a number of tens of billions of "new star" industrial clusters are rising rapidly in Zhejiang.

  Workers carry out the inspection process before going offline in the assembly workshop of Lingke Automobile Yuyao Factory in Zhejiang Province (photo taken by Xinhua News Agency reporter Huang Zongzhi on January 5, 2023).

  Feel the bright future of China consumption in the booming market.

  — — Story 5: The Wulin Road of "Restoring Fire"

  With the bright moon in the sky, the Wulin night market in Hangzhou began to be lively. Neon lights, people come and go.

  Drilling into the music and food snack city, the trendy music is mixed with the sounds of pots and pans and the sizzling hot oil, which makes people’s appetite greatly. Mr. and Mrs. Yao Xiaolin from Jilin, while greeting the customers who came in and out, were busy tipping spoons and taking orders.

  "I’m really busy. I have to hire someone." Yao Xiaolin said that from the Spring Festival to now, the popularity of Wulin Road is getting higher every day, and the business is getting better every day.

  Liu Mingxia, the owner of the pet shop, didn’t expect that the business of his new store on Wulin Road was so hot that he couldn’t get off work until early morning every night. Seeing more and more young people visiting the night market with kittens, she is planning the next branch.

  Wulin Road is a famous consumer street in old Hang Cheng. According to statistics, since the Spring Festival this year, the average traffic volume of Wulin passers-by has been close to 80,000 per day, double that of last year.

  "Definitely not bad!" Deng Liying, who has opened a clothing store in Wulin Road for 23 years, is full of confidence in the future.

  The data shows that the Zhejiang Provincial Department of Commerce, in conjunction with various departments, recently launched the "Zhejiang Lai Consumption Boosting Year 2023" campaign, striving for more than 1,000 consumption promotion activities at the provincial, city and county levels and launching more than 10,000 enterprises throughout the year, driving sales to exceed 400 billion yuan.

    Feel the continuous improvement of business environment from "closing on the same day"

  — — Story 6: Lu Liuliu with peace of mind

  "Name of event: company establishment registration; Legal time limit for settlement: 20 working days; Time limit for commitment to settle accounts: online within 24 hours and offline on the same day; Number of visits to the service site: 0 times. "

  Log on to Zhejiang Government Affairs Service Network and open the page of "Company Registration". Lu Liuliu, who applied for starting a company for the first time, drummed his heart: It is said that Zhejiang has a good business environment. Is it really so good?

  Lu Gang, a 54-year-old man, retired from an enterprise in Shengzhou, Shaoxing, and he planned to register a company and sell some small household appliances on the cross-border e-commerce platform to earn foreign exchange.

  Application, articles of association and identification … … According to the process, when Lao Lu fills in the form one by one, he clicks Submit. At the same time, "data running" replaces "manual running", and pieces of data flow rapidly in tax, social security, medical insurance, provident fund and other systems.

  The data in the optical fiber runs fast. The application submitted in the morning was notified by SMS when I woke up in the afternoon. The next morning, the business license was accompanied by the courier ringing the doorbell and arrived at the door. From beginning to end, I didn’t spend a penny and didn’t run in the government service hall.

  From "running by all departments" to "running at most once" and then "not running at all", the "No.1 Reform Project" to implement the business environment was written into the work report of the Zhejiang provincial government, and it was also written into local laws and regulations, which became a stable policy.

  The data shows that there are more than 9.4 million market players in Zhejiang Province. According to the proportion of permanent residents, there is one boss in every seven people in Zhejiang.

  Economic story, human warm current.

  Whether in Zhejiang or other places, one touching story gathers into the spring tide of China’s economy, surging with the power of stability and improvement. (Reporter Wu Huanqing, Shang Yiying, Fang Wenyu, Lin Guangyao)

The first secretary of the "Yellow Peach" who carried the goods live broadcast cried everyone with the story of life poverty alleviation.

At 8: 30 am on November 29, 2019,
Yanling county, Hunan province,
A dispatch meeting for tackling poverty is being held.

When Huang Shiyan, secretary of the county party committee, began to speak,
People here found something strange:
Huang Shuji voice lost its former sonority,
Speak feebly!

"Poverty alleviation is the top priority, overriding.
Poverty alleviation can’t wait! "

This is the last sentence that Huang Shiyan said at the meeting.
No one thought,
This sentence that he always talks about,
It turned out to be his concern for colleagues present.
The last entrustment!

After the meeting, Huang Shiyan went back to the dormitory to rest.
When his colleagues went to the dormitory to call him,
Only to find him half leaning against the bed,
Fists clenched on the chest, head down,
My body is getting cold … …

 one
Dark and heavy poverty
Like a weight on his mind.

Huang Shiyan was born in Youxian County, Hunan Province in 1964.
Originally named Huang Shiyan.

When he was in senior three,
Accidentally read a poem by Liu Yuxi.
"In the old days, Wang thanked Tang Qian Yan and flew into the homes of ordinary people",
He hopes that he can realize his ambition,
We should also do practical things for the people and take root in them.
So I changed my name to "Huang Shiyan".

On June 25th, 2011,
Huang Shiyan, 47.
Came to Yanling County, Hunan Province as the county party secretary.
He insisted that "the mountain is not as high as the instep,
The road is not as long as the foot. "
I visited as soon as I took office.
There are 11 townships and 54 poor villages in the county.

However, the scenes in front of him made him lose:
Most villagers in Shuilong Village, Chuanxing Township
Living in a thin adobe house, surrounded by people,
Whenever flash floods occur,
The house will be flooded;

The villagers in Aotou Village, xiacun town worked hard to grow fruits.
Because it can’t be shipped,
I had to sell it at a low price of two yuan a kilogram.
Working hard every year is equal to being busy in vain.

In 2010, farmers in the county
The per capita net income is only 2970 yuan.

Poverty, such as "gangrene"
Wrapped around this barren land,
Walking all the way,
Huang Shiyan’s eyes were moist,
This extreme poverty,
Dark, heavy poverty,
Like a weight on his chest.

A strong sense of guilt
Come to his mind:
Yanling county is an old red area.
Is an important part of Jinggangshan revolutionary base area,
Yanling county does not get rid of poverty and take off its hat for a day.
I’m sorry for 200,000 people in the old liberated areas for one day.
I’m even more sorry for those who are buried here.
More than 30,000 revolutionary heroes and heroes!

 2
"Platform for the common people,
What am I afraid of? "

What exactly does that depend on?
Can we let the people in the county live a good life?

On July 29th, 2011,
Huang Shiyan came to Shanlong Village.
At the home of a peach farmer, Chen Yuangao,
When he heard about this yellow peach tree in front of him,
When you can earn 7 thousand yuan a year,
Opened his mouth wide in surprise … …

He was overjoyed to learn agriculture:
This is our cash cow in Yanling County!

Lead everyone to plant yellow peaches,
Huang Shiyan is not a slap in the face.
Provide professional technical support,
Build an industrial service platform,
In order to build the brand of yellow peach in Yanling,
He even shouted on the platform at the "Yellow Peach Conference" several times!

He was privately advised not to be too high-profile,
He said, "Stand for the common people,
What am I afraid of? "

Except for the yellow peach,
Huang Shiyan leads the people of Yanling.
It has become a real industry.
Planting 43,000 mu of pollution-free vegetables,
15,200 mu of tea, 290,000 mu of camellia oleifera,
346,000 mu of bamboo shoots and bamboo forests, 14,000 mu of medicinal materials,
Breeding 1.5 million Yanling white geese … …

The road to poverty alleviation is neither smooth nor smooth.
It’s not done overnight!
Only talk about poverty alleviation,
Can’t be done!

Huang Shiyan has always been convinced that,
Really helping the poor must really go on!
He set the rules for himself:
One week must be set aside every month.
Visit the poor and ask questions, rain or shine.

But a survey in May 2012,
Let him, who has been the county party secretary in Yanling for one year,
"I am suddenly ashamed and self-blaming!"

 three
"Even if the pot sells iron,
Let the people live in new houses. "

On that day, Huang Shiyan came.
When investigating Lishuzhou Village at the foot of Maofeng Mountain,
I found this beautiful scenery,
Very suitable for developing tourism.
Beautiful countryside turned out to be a village without electricity!

Because there is no electricity,
I don’t even have a cell phone signal.
When he saw 25 families in the village,
Usually, lighting and farming can only rely on a simple one.
When a miniature flush generator is used,
His face suddenly darkened … …

"What age,
I cann’t believe we still have villages without electricity,
As a cadre in party member,
This is sorry for the people!
No matter how hard it is, we must connect Lishuzhou Village with electricity! "

This usually gentle county party secretary
Left a sentence on the spot.
Hit the floor’s hard words!

On the morning of September 12, 2013,
Lishuzhou power grid is officially closed for power transmission!
Ending the days when there was no electricity for decades,
The people are all very happy,
They finally took a fancy to TV,
Using a mobile phone,

In 2014, Huang Shiyan found that,
There are 14,900 villagers’ houses in the county.
There are security risks.
Can fully solve the need to invest 600 million yuan,
The fiscal revenue of Yanling in that year was only 700 million yuan.

In the face of tight funds
Dangerous houses where people live,
He once again released "malicious words" at the conference:
Even if the pot is selling iron,
We should also let ordinary people live in new houses.

In order to raise funds for building houses,
Huang Shiyan takes the lead in saving money:
The old county compound will not be decorated for the time being.
Office furniture that has fallen out of paint will not be replaced.

In the end, Yanling County was dried up one by one.
It is related to the food and clothing of each family.
More important to the real life of every ordinary person:
More than 15,000 rural residents live in new houses;
1602 kilometers of rural roads were rebuilt and built;
All the people in the county drank safe drinking water … …

In 2018, Huang Shiyan came to Yanling County.
In the eighth year as secretary of the county party Committee,
In this year, Yanling County finally took off its hat.
Become the first batch of poverty-stricken counties in the province.

The people’s pockets are bulging,
Smile more, live happier,
But Huang Shiyan’s body,
But there has been a serious problem … …

 four
He really came to get rid of poverty.
Also to get rid of poverty … …

In fact, Huang Shiyan is interested in his body.
Is aware of it.

At a small meeting at 3 pm on November 22,
Huang Shiyan already felt chest pain,
But I didn’t care

The 24th is the weekend,
He celebrated his wife’s birthday a day earlier,
At that time, no one thought,
It turned out that he and his wife,
The last reunion with the whole family … …

On November 25,
On the morning of his birthday,
Accidentally received a message from Huang Shiyan:
"Wife, love you."

Huang Shiyan is a square man,
After 30 years of marriage,
This is the first time to say to his wife:
Wife, love you,
Love you in my heart!

But what the wife doesn’t know is,
On the evening of the 24th,
The husband rushed from Zhuzhou to Yanling overnight.
Because of the severe pain in the stomach
Almost stayed up all night;
What is even more unexpected is that,
She spent thirty years waiting for this sentence:
Wife, love you,
It turned out to be her husband’s last confession.
At this point, the time left for Huang Shiyan.
There are only five days left … …

November 29, 2019,
After presiding over the last dispatch meeting for tackling poverty,
Said it once at the end
After "poverty alleviation work can’t wait",
Huang Shiyan, who is only 56 years old,
With the career he cares most about,
And the most uneasy people,
Gone forever … …

At 5 o’clock in the morning the next day,
Hundreds of cadres and the masses who got the news
Spontaneously came to the county compound.
See off their amiable and respectable good secretary.

The farewell scene was filled with grief,
Someone choked and lost his voice,
Someone caressed the coffin and wept bitterly … …

He really came to get rid of poverty,
It is also to get rid of poverty.
Let go of fame and fortune,
Just for the common people.

 five
Nobody is willing to die,
But Communist party member is not afraid of death!

Huang Shiyan is gone,
That book is marked as "Liao Chengyun"
Yanling county precision poverty alleviation handbook,
Still in the most conspicuous place on the desk;
93-year-old party member Zhang Zhaoxiu
Two biographies of Marx sent to him.
Lying quietly on his bookshelf;

And the one that came to Yanling in 2011.
Colleagues bought him a new teacup,
For nine years, in a thick layer of tea dirt,
He smelled of tea that had accompanied him day and night … …

When people walked into the dormitory of the county party secretary,
I can’t help but get red-eyed again.
The house where he lives is so shabby and old.

Huang Shiyan lived in the dormitory building before his death.

Write here,
We can’t help but wonder,
If time could be turned back,
Will he spare a little more time,
Spend more time with your family;
Can he spare a little more time,
Take care of yourself!

However, there are no ifs in the world.
Even if we give him another chance,
We firmly believe that he will still choose to be selfless … …

China today,
Wrote "the most successful story of poverty alleviation".
Over the past 40 years of reform and opening up,
More than 800 million people in China have been lifted out of poverty;
"Precision poverty alleviation" is for the whole world.
Getting rid of poverty offers new possibilities,
Contributed to the cause of poverty reduction in the world
China’s wisdom and China’s plan for reference.

However, behind such a "miracle",
It is the front line of nearly 3 million people fighting in the country
Dedication of poverty alleviation cadres and the first secretary;
They leave the city, their families,
Leave the familiar job,
Retrograde to the mountain, take root downward,
They firmly grasped the hand of every villager in difficulty,
Put all your efforts into it.
Spilled it into the soil under your feet.

Although we have never seen their faces,
Don’t know their names,
But they are all carved on the monument of the Chinese nation.
A hero worthy of our eternal memory!