these days，The news that JD.com plans to acquire an insurance license has attracted attention。There have been rumors for a long time，Starting from 2013，JD.com is seeking an insurance license，After 5 years of hard work，The license plate is finally in my pocket。so painstakingly，What is the ambition behind it? in recent years，Internet insurance ushered in rapid development momentum，Internet companies naturally don’t want to miss out on traffic
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good business，Accelerate land grab insurance business。
Internet giants are planning insurance licenses，It vaguely indicates the explosive potential of China’s Internet insurance market.。
Combining a trillion-dollar blue ocean and “permanent leverage”, Huang Hong, vice chairman of the China Insurance Regulatory Commission, previously pointed out，2017January-October，China’s premium income is 3.2 trillion yuan，A year-on-year increase of 20%，Will soon become the second largest insurance market in the world，At the same time, China’s insurance penetration is 66% of the global average.，Insurance density is 53% of the global average，There is still a lot of room for development in the future。
Calculated based on premium income growth rate，The total investment in insurance funds will reach 23 trillion yuan in 2020。And lucrative insurance premiums can effectively create interest-free loans，repurposed for investment。This can also explain why the domestic capital market is actively seeking to obtain insurance licenses。This kind of operation model has already been traced abroad.，The most famous one is Warren Buffett。
Buffett, who is so rich and wealthy, is revered as the God of Stocks，His value investing has inspired generations of investors。And his biggest secret to winning，It’s about finding a way to use leverage and make long-term investments.。 Buffett uses Berkshire's capital to invest in insurance companies，This becomes a “permanent lever”，Not only does it provide itself with inexhaustible huge amounts of low-cost insurance funds,，It has also become a large-scale acquisition company、God's help for investing in stocks。
And after achieving a high return on investment，The capital strength of the insurance company itself has been greatly enhanced.，As a result, more funds will be available to acquire more companies or stocks.。 Just like this, the snowball is getting bigger and bigger.，What it brings is a steady stream of returns.，More returns bring more insurance，This forms a virtuous cycle。 JD.com becomes the second largest player，Where is the ambition? This is exactly the path that the domestic capital system is currently taking.，For example, JD.com。
recently，JD.com invests RMB 484 million in Allianz Property & Casualty Insurance，Become the second boss，Officially fired the gun to enter the insurance industry。Allianz Property & Casualty Insurance Co., Ltd. has strong strength，It’s no wonder that we can become a partner of JD.com。 Allianz Property & Casualty China official website shows，The company was established in 2003，Separately funded by Allianz Insurance Group，Registered capital 805 million yuan。 Allianz Insurance Group was founded in Germany in 1890，Nearly 130 years of professional insurance experience。
This equity change also means that Allianz Property & Casualty Insurance will change from a wholly foreign-owned company to a Sino-foreign joint venture.。 Allianz Property & Casualty announced its intention to enter the Internet insurance field many years ago。For future development plans，Allianz Property & Casualty Insurance Company revealed：“Allianz Group and JD.com have reached a long-term cooperation，Will build digital insurance joint venture in China。Both parties will gather their respective
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，Develop and deliver attractive assurance solutions，To meet the rapidly evolving needs of Chinese consumers。
” Whether it is Tencent, which is the first to lay out the insurance industry,、Alibaba，Or is Baidu catching up from behind?、Jingdong，It all releases a signal，In fact, the giants will do more than just insurance in the future.，Instead, we will build a “fintech ecosystem” around the ecosystem.。
As the new second largest shareholder, Liu Qiangdong，for the future，Also full of confidence：“Insurance companies must return to insurance to have a future.”，“JD.com’s 120,000 couriers all over the country，Express delivery in the future，Also assumes the role of insurance officer，Door-to-door service or on-site survey and damage assessment are available。” regarding this，Someone is joking：The Chinese insurance market is too tempting，Everyone can’t help but grab a piece!
According to the editor's analysis，This big cake is so tempting，It is nothing more than having these three major
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： ，cost
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，Insurance companies sell insurance products online，Open up all business links of traditional sales channels，cost reduction，Premiums are relatively cheap； second，Convenient
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，Insurance takes short time； third，innovation
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，Able to respond quickly and launch new products，Integrated with online shopping ecology。
It is conceivable that，Insurance finance license as a brand in the insurance industry，Will further serve the needs of platform business scenarios，As consumption scenarios continue to refine，The branch of insurance business will also extend to work、Life、All aspects of social interaction。
According to the forecast of the "2017 China Internet Finance Annual Report" released by the China Internet Finance Association，With the competition and integration between the insurance industry and the Internet industry，In the future, industry competition themes will be more diversified、The level of market competition further increases，Cross-shareholdings between companies、The trend of competition involving multiple parties may further intensify。
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