安聯將與百度聯手打造網上保險公司
Allianz is to launch a joint venture with the Chinese search engine group Baidu and the investment group Hillhouse Capital in an attempt to set up an online insurer in China.
德國保險公司安聯(Allianz)將與中國搜索引擎百度(Baidu)及投資集團高瓴資本(Hillhouse Capital)共同組建一家合資公司，目的是在中國建立一家互聯網保險公司。
The joint venture will apply for a licence to sell insurance online throughout the country, and will target both individual customers and small and medium-sized businesses.
該合資公司將申請在中國全國在線銷售保險的牌照，目標客戶既包括個人也包括中小企業。
The trio behind the joint venture intend to offer a range of products including travel, health and internet finance insurance, according to people familiar with the situation.
知情人士稱，該合資公司背後的三家公司計劃推出一系列產品，包括旅行險、健康險和互聯網金融險。
Allianz’s business in China only makes up a small share of its 122bn in overall annual revenues, but the company is hoping to tap into the rapid expansion of the local market, where premiums are expected to quadruple over the next five years.
安聯的在華業務僅佔其1220億歐元年度總收入的一小部分，但該公司希望從中國市場的迅猛增長中分一杯羹。未來5年裏，中國市場的保費收入將增長3倍。
Allianz declined to comment. The company is due to update investors on its strategy later on Tuesday at an event at its headquarters in Munich.
安聯拒絕置評。該公司將於週二晚些時候在其慕尼黑總部的一次活動上向投資者通報有關其戰略的最新信息。
The joint venture is one of the first big moves by Oliver Bate, the former McKinsey consultant who succeeded Michael Diekmann as the head of Germany’s largest insurance group in May.
組建上述合資公司是這家德國最大保險公司的首席執行官奧利弗拜特(Oliver Bate)的首批重大舉措之一。拜特曾在麥肯錫(McKinsey)擔任諮詢師，今年5月接替米夏埃爾狄克曼(Michael Diekmann)擔任安聯首席執行官。
It highlights the pressures that insurers are under to adapt their business models to the changing habits of customers, who are increasingly purchasing insurance online, rather than through traditional channels such as insurance brokers and banks.
此舉突顯出保險公司正面臨壓力，要求它們調整業務模式以適應不斷變化的客戶習慣。保險客戶正越來越多地在網上購買保險，而不是通過保險經紀人和銀行等傳統渠道。
Mr Bate said earlier this week that the move online was having a “big impact” on insurers, and argued that it was important to make Allianz more focused on customers’ changing demands in response.
本週早些時候拜特表示，這種趨勢正給保險公司帶來“巨大影響”。他認爲，安聯爲此應更加關注客戶不斷變化的需求。
