On June165438+1October1day, the results of the 15th Asian Financial Competitiveness Award in 2020 were officially announced. China Ping An Property Insurance Co., Ltd. (hereinafter referred to as "Ping An Property Insurance") won the "Best Property Insurance Company in Asia in 2020" and the title of "Excellent Property Insurance Company in Asia of the Year" with its outstanding performance in financial technology exploration, product model innovation and service to the real economy. This is a footnote for the comprehensive data transformation of Ping An Property & Casualty.
In recent years, under the guidance of the Group's "Finance+Ecology" strategy, Ping An Property & Casualty has vigorously introduced domestic and foreign scientific and technological talents, reshaped the culture of agile organizations and scientific and technological enterprises, gradually built data capabilities including cloud computing, big data, artificial intelligence and mobile applications, increased data construction of various businesses, and promoted the implementation of the strategy.
Based on the "data-driven" dimension, Ping An Property & Casualty has experienced four development stages: 1.0 systematization era, informationization; 2.0 in the era of centralization, it promotes the centralization of data background and server; 3.0 In the data age, build a new generation of internal systems, and gradually move and digitize; 4.0 In the era of intelligence, according to the requirements of Ma Mingzhe, the chairman of Ping An Group, we should build a smart brain and realize foresight, foresight and advance, that is, we should see the problems in advance, find the root causes of the problems in advance, and act in advance, relying on "finance+technology" and "finance+ecology" to create speed advantages, organizational advantages, ecological advantages and cost advantages, and respond to changes in market and customer needs more flexibly.
Ping An Property & Casualty takes customers as the center and innovation as the driving force, starts a comprehensive data transformation, builds a "data+platform" smart business model, provides customers with the ability to gain an agile insight into changes in customer needs, provides customers with the ultimate service experience, and realizes differentiated services under the comprehensive background of auto insurance fee reform, and has achieved a series of results.
Specifically, in terms of online platform, Ping An Property & Casualty has built an intelligent service and management platform by opening up the front, middle and back-office systems, realizing intelligent marketing-intelligent pricing-intelligent operation-intelligent risk control-intelligent claims-intelligent management, enhancing customer experience externally and improving operational efficiency internally, thus becoming a real data-driven insurance company.
In terms of online service, by continuously promoting the integration of technology and scenes, relying on the "Safe and Good Car Owners" APP to aggregate a wide range of high-quality automobile ecological service resources, it has deep docking with more than 25,000 maintenance outlets, more than 73,000 repair shops, more than 30,000 4S car dealers and a total of more than 65.438+07 million outlets nationwide, and gradually established an automobile service ecosystem to provide users with multi-scene and all-round convenient services.
At present, the "Safe and Good Car Owners" APP has launched more than 80 popular car services, such as car damage measurement, annual inspection agency, parking payment, illegal inquiry, road rescue, and direct call on behalf of drivers, constantly breaking the boundaries of insurance services and creating the ultimate service experience. Among them, the "one-click claim" function launched by the platform upgrade further simplifies the auto insurance claim process such as survey, loss determination and claim settlement, allowing car owners to have zero contact, zero waiting, more worry-free, and efficiently solve the auto insurance claim problem. At present, the utilization rate of this function reaches 87.93%.
By the end of September, 2020, as the largest car tool APP in China, the registered users of Ping An Good Car Owner APP exceeded1.1.70 billion, an increase of 26.5% compared with the beginning of the year, and the cumulative number of bound vehicles exceeded 76 million. In September, the number of active users exceeded 29 million.
The emergence of new features in the era of digital life, disintermediation and fan economy has made consumers contact the Internet more frequently. According to the analysis of public data, there are 654.38 billion netizens in China. Every day, WeChat is online for 85 minutes, Tik Tok for 60 minutes, Bili Bili for 78 minutes and live for 30 minutes. Everyone spends an average of 7.2 hours a day interacting with websites and internet companies. Compared with the digital economy, the traditional property insurance business model has the disadvantages of less contact with consumers and low contact frequency. Taking auto insurance as an example, the touch of insurance links is 1 year, and the touch of insurance claims is 4 years 1 time. According to the arrangement, the interaction time between auto insurance customers and property insurance companies is only about 120 minutes per year. This means that property insurance companies must change the way they interact with customers, improve customer experience and integrate products and services into customers' life scenes.
Faced with the complex changes in the market and customer demand, Ping An Property & Casualty adheres to the business philosophy of "insurance is the surname" and always pursues high-quality development. By the third quarter of 2020, Ping An Property & Casualty's original premium income reached 21949 million yuan, up by1.5% year-on-year, and its comprehensive cost ratio was 99 1%, achieving an operating profit of1106 million.
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