首家物联网装备险企问世久隆保险力推“产品经理负责制”

(海)(横)(琴)(自)(贸)(区)(的)(久)(隆)(保)(险)(开)(业)(,定)(位)(于)(国)(内)(首)(家)(专)(注)(于)(装)(备)(与)(装)(备)(制)(造)(业)(的)(专)(业)(保)(险)(公)(司)(,董)(事)(长)(向)(文)(波)(、CEO谢)(跃)(率)(领)(一)(众)(高)(管)(团)(队)(悉)(数)(亮)(相)(。  久)(隆)(保)(险)(由)(三)(一)(集)(团)(、珠)(海)(大)(横)(琴)(投)(资)(有)(限)(公)(司)(、珠)(海)(铧)(创)(投)(资)(管)(理)(有)(限)(公)(司)(以)(及)(12家)(位)(于)(建)(工)(产)(业)(链)(上)(下)(游)(的)(股)(东)(共)(同)(发)(起)(,注)(册)(资)(本)(金)(10亿)(元)(。三)(一)(集)(团)(总)(裁)(向)(文)(波)(任)(董)(事)(长)(,三)(一)(集)(团)(高)(级)(副)(总)(裁)(梁)(在)(中)(任)(副)(董)(事)(长)(。  “装)(备)(制)(造)(领)(域)(因)(其)(专)(业)(性)(、复)(杂)(性)(与)(多)(样)(性)(,市)(场)(上)(有)(针)(对)(性)(的)(专)(业)(保)(险)(少)(之)(又)(少)(,亦)(鲜)(有)(保)(险)(公)(司)(深)(入)(该)(领)(域)(,市)(场)(化)(需)(求)(和)(普)(遍)(性)(供)(给)(错)(位)(明)(显)(。目)(前)(市)(场)(实)(际)(投)(保)(率)(仍)(处)(于)(较)(低)(水)(平)(,且)(成)(交)(费)(远)(低)(于)(理)(论)(精)(算)(损)(失)(率)(。”CEO谢)(跃)(称)(。  作)(为)(国)(内)(第)(一)(家)(用)(物)(联)(网)(方)(式)(完)(成)(数)(据)(挖)(掘)(、风)(险)(定)(价)(的)(保)(险)(公)(司)(,久)(隆)(财)(险)(强)(调)(,公)(司)(所)(依)(托)(的)(物)(联)(网)(绝)(非)(停)(留)(在)(概)(念)(层)(面)(,而)(是)(三)(一)(集)(团)(在)(装)(备)(制)(造)(领)(域)(已)(经)(具)(备)(的)(真)(正)(的)(大)(数)(据)(。  久)(隆)(位)(于)(横)(琴)(新)(区)(金)(融)(产)(业)(服)(务)(基)(地)(的)(总)(部)(面)(积)(并)(不)(大)(,其)(开)(放)(式)(办)(公)(室)(外)(墙)(上)(,赫)(然)(印)(着)(“疾)(慢)(如)(仇)(”四)(个)(红)(字)(,这)(是)(源)(自)(三)(一)(集)(团)(的)(企)(业)(文)(化)(。在)(“舵)(手)(”谢)(跃)(和)(三)(一)(集)(团)(的)(引)(路)(下)(,这)(家)(专)(业)(财)(险)(公)(司)(将)(展)(现)(出)(怎)(样)(的)(效)(率)(和)(加)(速)(度)(?有)(待)(时)(间)(考)(验)(。  借)(力)(股)(东)(方)(大)(数)(据)(  三)(一)(集)(团)(持)(有)(久)(隆)(保)(险)(20%股)(份)(,其)(海)(量)(的)(机)(械)(装)(备)(、客)(户)(资)(源)(、万)(亿)(级)(实)(时)(风)(险)(数)(据)(、遍)(布)(全)(国)(的)(产)(业)(园)(区)(、线)(下)(代)(理)(商)(和)(服)(务)(维)(修)(人)(员)(,均)(是)(久)(隆)(保)(险)(所)(最)(为)(倚)(重)(的)(。  三)(一)(集)(团)(从)(2004年)(起)(构)(建)(物)(联)(网)(及)(物)(联)(网)(数)(据)(平)(台)(,已)(先)(后)(研)(发)(出)(全)(套)(工)(程)(机)(械)(车)(载)(智)(能)(控)(制)(设)(备)(,实)(现)(了)(泵)(车)(、挖)(机)(、路)(面)(机)(械)(、港)(口)(机)(械)(等)(逾)(130类)(工)(程)(机)(械)(装)(备)(的)(位)(置)(、油)(温)(、压)(力)(、温)(度)(、工)(作)(时)(长)(等)(六)(千)(余)(项)(状)(态)(信)(息)(的)(实)(时)(采)(集)(,数)(据)(总)(量)(达)(40TB。  “依)(托)(大)(股)(东)(的)(数)(据)(资)(源)(与)(设)(备)(资)(源)(,我)(们)(能)(清)(楚)(知)(道)(机)(器)(的)(具)(体)(位)(置)(、工)(况)(如)(何)(,包)(括)(监)(控)(油)(温)(液)(压)(、监)(控)(设)(备)(操)(作)(者)(的)(动)(作)(规)(范)(等)(,通)(过)(传)(感)(器)(的)(远)(程)(干)(预)(系)(统)(,在)("事)(中)("环)(节)(即)(防)(范)(和)(降)(低)(风)(险)(。”久)(隆)(财)(险)(CTO王)(凯)(宁)(解)(释)(道)(。  “如)(通)(过)(ECC数)(据)(平)(台)(,一)(旦)(监)(测)(到)(承)(载)(量)(仅)(限)(30吨)(的)(吊)(车)(超)(载)(,即)(可)(通)(过)(远)(程)(操)(控)(让)(其)(停)(机)(。又)(如)(系)(统)(监)(测)(到)(某)(辆)(轧)(路)(机)(超)(速)(,将)(即)(时)(通)(知)(设)(备)(拥)(有)(者)(,以)(便)(其)(致)(电)(驾)(驶)(者)(以)(降)(低)(行)(驶)(速)(度)(。”  过)(去)(保)(险)(公)(司)(做)(的)(是)(“零)(和)(游)(戏)(”,但)(久)(隆)(希)(望)(通)(过)(工)(具)(与)(技)(术)(手)(段)(,在)(事)(前)(降)(低)(机)(械)(装)(备)(的)(事)(故)(率)(,把)(零)(和)(游)(戏)(变)(成)(创)(造)(价)(值)(,真)(正)(发)(挥)(保)(险)(“防)(灾)(减)(损)(”的)(功)(能)(。  “垂)(直)(深)(耕)(、水)(平)(复)(制)(”,谢)(跃)(用)(8个)(字)(概)(括)(久)(隆)(保)(险)(的)(发)(展)(路)(径)(。  所)(谓)(“垂)(直)(深)(耕)(”,是)(基)(于)(现)(阶)(段)(股)(东)(方)(的)(大)(数)(据)(资)(源)(、销)(售)(资)(源)(和)(渠)(道)(资)(源)(,垂)(直)(地)(把)(销)(售)(、服)(务)(、理)(赔)(、产)(业)(链)(、客)(户)(等)(方)(面)(实)(现)(端)(到)(端)(打)(通)(;“水)(平)(复)(制)(”,指)(的)(是)(下)(一)(阶)(段)(,久)(隆)(保)(险)(基)(于)(物)(联)(网)(数)(据)(进)(行)(保)(险)(产)(品)(定)(价)(的)(能)(力)(,进)(军)(家)(用)(电)(器)(、医)(疗)(设)(备)(、电)(梯)(、无)(人)(机)(、机)(器)(人)(等)(不)(同)(领)(域)(。  其)(中)(的)(核)(心)(关)(键)(,还)(在)(于)(产)(品)(的)(定)(价)(与)(设)(计)(。当)(发)(展)(到)(客)(户)(觉)(得)(需)(要)(我)(们)(来)(提)(供)(产)(品)(合)(作)(的)(阶)(段)(,这)(种)(联)(手)(就)(会)(水)(到)(渠)(成)(。  基)(于)(这)(样)(的)(考)(虑)(,久)(隆)(财)(险)(设)(计)(的)(轻)(资)(产)(运)(营)(模)(式)(,较)(传)(统)(财)(险)(公)(司)(有)(所)(区)(别)(:一)(方)(面)(,把)(前)(、中)(、后)(台)(统)(一)(整)(合)(为)(一)(个)(平)(台)(,打)(破)(条)(线)(壁)(垒)(、减)(少)(资)(源)(内)(耗)(,通)(过)(服)(务)(“外)(包)(、内)(包)(”形)(式)(降)(低)(成)(本)(;另)(一)(方)(面)(,鉴)(于)(设)(立)(异)(地)(分)(公)(司)(的)(成)(本)(过)(高)(,久)(隆)(将)(只)(在)(能)(消)(化)(成)(本)(、业)(务)(量)(大)(的)(区)(域)(设)(立)(分)(公)(司)(。  记)(者)(了)(解)(到)(,久)(隆)(保)(险)(在)(全)(国)(大)(部)(分)(区)(域)(将)(依)(靠)(同)(业)(机)(构)(以)(再)(保)(的)(方)(式)(出)(单)(,后)(期)(的)(服)(务)(、理)(赔)(更)(多)(依)(赖)(三)(一)(集)(团)(覆)(盖)(全)(国)(的)(分)(支)(机)(构)(和)(地)(面)(服)(务)(人)(员)(。  力)(推)(“产)(品)(经)(理)(负)(责)(制)(”  “国)(内)(装)(备)(制)(造)(业)(领)(域)(的)(保)(险)(产)(品)(还)(比)(较)(粗)(糙)(,保)(险)(机)(构)(习)(惯)(于)(把)(各)(类)(风)(险)(都)(打)(包)(在)(一)(起)(,如)(把)(海)(啸)(、滑)(坡)(、地)(震)(等)(风)(险)(因)(素)(都)(放)(在)(一)(起)(保)(。但)(这)(样)(客)(户)(往)(往)(需)(要)(承)(担)(更)(高)(的)(保)(费)(。”王)(凯)(宁)(称)(,久)(隆)(希)(望)(做)(的)(,是)(通)(过)(数)(据)(挖)(掘)(和)(风)(险)(偏)(好)(分)(析)(,实)(现)(对)(不)(同)(客)(户)(的)(差)(异)(化)(定)(价)(。  诚)(然)(,事)(前)(的)(实)(地)(调)(研)(、产)(品)(的)(研)(发)(设)(计)(、风)(险)(定)(价)(,可)(谓)(是)(久)(隆)(开)(展)(业)(务)(的)(关)(键)(所)(在)(;在)(此)(考)(虑)(下)(,其)(力)(推)(了)(流)(程)(简)(洁)(的)(“产)(品)(经)(理)(负)(责)(制)(”,即)(以)(产)(品)(经)(理)(负)(责)(牵)(头)(组)(建)(包)(括)(机)(械)(工)(程)(师)(、保)(险)(业)(务)(员)(、互)(联)(网)(人)(员)(在)(内)(的)(产)(品)(团)(队)(,全)(权)(负)(责)(前)(期)(的)(调)(研)(、中)(期)(的)(产)(品)(设)(计)(、后)(期)(的)(售)(后)(理)(赔)(服)(务)(。  “与)(现)(行)(财)(险)(公)(司)(前)(、中)(、后)(台)(各)(部)(门)(责)(任)(边)(界)(清)(晰)(的)(设)(置)(有)(所)(区)(别)(,产)(品)(经)(理)(需)(要)(跟)(全)(流)(程)(中)(的)(每)(一)(个)(节)(点)(予)(以)(紧)(密)(对)(接)(,俗)(话)(说)(就)(是)("一)(脚)(踢)(",总)(公)(司)(会)(赋)(予)(每)(个)(产)(品)(团)(队)(较)(为)(独)(立)(的)(人)(、财)(、物)(授)(权)(。”谢)(跃)(对)(21世)(纪)(经)(济)(报)(道)(记)(者)(直)(言)(。  去)(年)(8月)(至)(今)(年)(1月)(期)(间)(,久)(隆)(保)(险)(已)(设)(立)(了)(7个)(产)(品)(团)(队)(并)(完)(成)(前)(期)(调)(研)(。如)(起)(重)(机)(等)(产)(品)(易)(受)(天)(气)(、人)(为)(操)(作)(失)(误)(等)(因)(素)(影)(响)(,其)(历)(史)(赔)(付)(率)(一)(直)(处)(于)(较)(高)(水)(平)(,经)(调)(研)(论)(证)(后)(将)(其)(优)(先)(级)(调)(低)(;而)(风)(电)(、挖)(掘)(机)(、混)(凝)(土)(搅)(拌)(、泵)(送)(等)(均)(为)(业)(务)(重)(点)(。  21世)(纪)(经)(济)(报)(道)(记)(者)(从)(久)(隆)(财)(险)(产)(品)(总)(监)(章)(国)(俊)(处)(了)(解)(到)(,久)(隆)(财)(险)(已)(开)(发)(工)(时)(指)(数)(保)(险)(、UBI定)(价)(保)(险)(、风)(电)(效)(能)(指)(数)(保)(险)(等)(10余)(款)(创)(新)(性)(保)(险)(产)(品)(,今)(年)(将)(着)(力)(发)(展)(4大)(业)(务)(产)(品)(线)(。  其)(一)(,设)(计)(指)(数)(保)(险)(;以)(挖)(掘)(机)(指)(数)(保)(险)(为)(例)(,其)(逻)(辑)(在)(于)(,考)(虑)(到)(基)(建)(企)(业)(在)(购)(买)(挖)(掘)(机)(之)(时)(,难)(以)(预)(测)(其)(可)(获)(得)(工)(程)(数)(量)(的)(多)(寡)(,这)(种)(不)(确)(定)(性)(对)(企)(业)(而)(言)(存)(在)(保)(险)(需)(求)(。  如)(久)(隆)(给)(基)(建)(企)(业)(预)(设)(2016年)(全)(年)(的)(开)(工)(量)(是)(8个)(月)(,但)(如)(若)(基)(建)(企)(业)(生)(意)(不)(景)(气)(,实)(际)(上)(只)(开)(工)(了)(6个)(月)(,久)(隆)(将)(给)(予)(企)(业)(一)(定)(额)(度)(的)(赔)(付)(。  其)(二)(,铺)(设)(UBI(UsageBasedInsurance)产)(品)(线)(;产)(品)(团)(队)(通)(过)(6个)(月)(-1年)(的)(数)(据)(采)(集)(,根)(据)(机)(械)(设)(备)(的)(使)(用)(量)(、使)(用)(频)(率)(和)(使)(用)(者)(的)(风)(险)(偏)(好)(等)(,对)(保)(险)(产)(品)(的)(设)(计)(予)(以)(精)(准)(定)(价)(;预)(估)(久)(隆)(保)(险)(2016年)(将)(有)(逾)(3000万)(以)(上)(保)(费)(的)(产)(品)(定)(价)(及)(运)(营)(基)(于)(物)(联)(网)(数)(据)(。  其)(三)(,研)(发)(针)(对)(新)(能)(源)(产)(业)(的)(保)(险)(产)(品)(。“现)(阶)(段)(有)(很)(多)(企)(业)(主)(希)(望)(进)(入)(风)(电)(等)(新)(能)(源)(领)(域)(,但)(风)(电)(投)(资)(门)(槛)(较)(高)(,一)(个)(风)(机)(成)(本)(2000万)(,风)(机)(组)((四)(台)()成)(本)(测)(算)(逾)(8000万)(,他)(们)(启)(动)(资)(金)(可)(能)(只)(有)(500-1000万)(,久)(隆)(将)(为)(其)(提)(供)(风)(电)(投)(资)(的)(履)(约)(保)(证)(保)(险)(融)(资)(。”  其)(四)(,提)(供)(实)(物)(赔)(付)(的)(创)(新)(理)(赔)(模)(式)(。一)(旦)(施)(工)(企)(业)(的)(机)(械)(出)(现)(故)(障)(,久)(隆)(可)(为)(其)(提)(供)(代)(工)(装)(备)(,同)(时)(将)(故)(障)(机)(械)(交)(付)(给)(三)(一)(集)(团)(的)(地)(面)(服)(务)(工)(程)(师)(团)(队)(予)(以)(维)(修)(,随)(后)(再)(送)(还)(给)(企)(业)(。整)(个)(案)(件)(的)(处)(理)(过)(程)(中)(施)(工)(企)(业)(无)(须)(参)(与)(其)(中)(。  “该)(模)(式)(解)(决)(了)(客)(户)(出)(险)(后)(工)(期)(暂)(停)(带)(来)(的)(损)(失)(、索)(赔)(周)(期)(长)(、赔)(付)(额)(不)(足)(等)(问)(题)(,也)(降)(低)(了)(过)(去)(现)(金)(赔)(付)(中)(骗)(保)(的)(风)(险)(。”章)(国)(俊)(评)(价)(。  “创)(业)(者)(”谢)(跃)(  曾)(历)(任)(太)(平)(洋)(财)(险)(总)(助)(、天)(平)(车)(险)(总)(裁)(、紫)(金)(财)(险)(副)(总)(裁)(、有)(着)(三)(十)(余)(年)(从)(业)(经)(历)(的)(“老)(保)(险)(人)(”谢)(跃)(,别)(开)(生)(面)(地)(选)(择)(以)(一)(件)(红)(色)(的)(短)(袖)(衬)(衣)(亮)(相)(开)(业)(仪)(式)(,他)(在)(接)(受)(21世)(纪)(经)(济)(报)(道)(采)(访)(时)(坦)(陈)(,“这)(是)(一)(次)(重)(新)(出)(发)(的)(创)(业)(征)(途)(。”  “坦)(白)(说)(,在)(行)(业)(打)(拼)(了)(这)(么)(久)(,我)(希)(望)(做)(点)(跟)(传)(统)(保)(险)(不)(一)(样)(的)(东)(西)(。久)(隆)(目)(前)(在)(业)(内)(并)(没)(有)(现)(成)(的)(标)(杆)(公)(司)(可)(供)(比)(较)(,在)(业)(务)(模)(式)(上)(可)(借)(鉴)(FMGlobal。”他)(直)(言)(。  他)(的)(第)(一)(次)(“创)(业)(”,是)(2005年)(初)(空)(降)(天)(平)(车)(险)(出)(任)(总)(经)(理)(,此)(前)(他)(在)(太)(保)(财)(险)(出)(任)(总)(经)(理)(助)(理)(,分)(管)(车)(险)(业)(务)(。  2004年)(,我)(国)(车)(险)(业)(务)(保)(费)(收)(入)(为)(750亿)(元)(,综)(合)(费)(用)(率)(却)(超)(过)(100%,市)(场)(上)(多)(家)(财)(险)(公)(司)(为)(争)(夺)(市)(场)(份)(额)(大)(打)(价)(格)(战)(。谢)(跃)(到)(任)(后)(祭)(出)(“非)(核)(心)(业)(务)(外)(包)(”模)(式)(,力)(主)(低)(成)(本)(扩)(张)(路)(线)(,在)(车)(险)(的)(红)(海)(市)(场)(杀)(出)(一)(条)(血)(路)(。  尔)(后)(他)(辗)(转)(重)(归)(体)(制)(内)(、出)(任)(紫)(金)(财)(险)(常)(务)(副)(总)(裁)(。  直)(至)(去)(年)(,已)(近)(耳)(顺)(之)(年)(的)(谢)(跃)(,再)(度)(出)(走)(,拉)(开)(二)(次)(创)(业)(的)(帷)(幕)(。  当)(21世)(纪)(经)(济)(报)(道)(记)(者)(问)(及)(三)(一)(集)(团)(在)(久)(隆)(保)(险)(经)(营)(的)(决)(策)(话)(语)(权)(时)(,谢)(跃)(认)(为)(:“不)(在)(于)(谁)(的)(话)(语)(权)(更)(强)(,关)(键)(在)(于)(双)(方)(可)(以)(实)(现)(充)(分)(的)(交)(流)(和)(沟)(通)(;三)(一)(若)(旨)(在)(谋)(求)(话)(语)(权)(,集)(团)(内)(部)(有)(大)(量)(优)(秀)(的)(干)(部)(可)(供)(选)(择)(,但)(从)(我)(的)(感)(受)(来)(说)(,大)(股)(东)(很)(尊)(重)(保)(险)(行)(业)(的)(规)(律)(。”  “过)(去)(很)(多)(职)(业)(经)(理)(人)(,想)(尝)(试)(让)(股)(东)(来)(听)(懂)(保)(险)(,这)(是)(很)(难)(的)(事)(情)(。我)(对)(自)(己)(的)(要)(求)(是)("用)(股)(东)(听)(得)(懂)(的)(语)(言)(去)(阐)(述)(保)(险)("。”他)(进)(一)(步)(解)(释)(称)(。  过)(去)(,谢)(跃)(在)(保)(险)(业)(的)(经)(典)(代)(表)(作)(之)(一)(,是)(在)(天)(平)(车)(险)(时)(独)(创)(的)(“天)(平)(模)(式)(”。如)(今)(这)(位)(有)(情)(怀)(的)(保)(险)(老)(将)(“再)(出)(发)(”,能)(否)(带)(领)(久)(隆)(在)(专)(业)(财)(险)(市)(场)(独)(领)(风)(骚)(?将)(交)(由)(时)(间)(作)(答)(。

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