央行:7月沪市日均交易量为4188.2亿元 环比减少16.6%
截至7月末,银行间债券市场的法人机构成员共3890家,全部为金融机构。按法人机构统计,非金融企业债务融资工具持有人 2 共计2201家。从持债规模看,前50名投资者持债占比51.1%,主要集中在基金公司、国有大型商业银行(自营)和股份制商业银行(代客);前200名投资者持债占比81.9%。单只非金融企业债务融资工具持有人数量最大值、最小值、平均值和中位值分别为75、1、11、11家,持有人20家以内的非金融企业债务融资工具只数占比为91%。
深入解读:平安医疗保险场景化战略背后的意义
一是寻找增量市场。从零开始,发掘尚未开垦的金融市场。先不说有没有,即使有,这样做的问题也是显而易见。以保险为例,我国保险业数据积累有限,许多保险产品的费率厘定,大都是参照国外的费率并进行一定的调整来操作的。费率计算缺乏合理性,风险较大,一旦出现偏差,对保险公司经营的稳定性将造成巨大冲击,投保人和被保险人也将受到间接影响。在保险公司之间数据尚未实现共享的情况下,从完全陌生的市场去切入,试错成本实在太高。
二是增加保险投资。然而长期以来,我国形成了重保险轻投资、重来源、轻运用的局面。在投资理念上,保险公司尚未完全确立起以价值投资、理性投资、稳健投资和长期投资为核心的思想;技术上,运用资产的匹配管理、战略配置和组合管理的方法还不够娴熟;投资策略上,对市场形势的判断、把握深度和准确度也有待提高。
所以,在上下两条路都走不通的情况下,从折中的存量市场入手,在熟悉的金融产品中,寻找多场景的产业长尾,则显得更加稳妥。保险的下一个万亿市场,必然是医疗和养老,这点从平安的人寿保险业务中也可窥见一斑。其中,寿险业务依旧增长明显,而现阶段,养老险和健康险保费规模还远远落后于寿险。如果以新“国十条”所定位的保险密度发展目标来计算,我国健康险规模在2020年将会达到1.5万亿元,这才刚进入增长期。
中国平安人寿保险业务具体业绩情况(数据来源:中国平安2016年半年度报告)
未来的商业,是大数据之战。每一个巨头的形成,都要打破行业的壁垒,将独立的产业维度变得平面化、场景化,以求得数据的多维一体。
马斯洛需求层次理论图(图源:百度图片)
以微信为例,从社交这种高层次需求下沉到支付这一层需求,遇到的阻力相对较小,而支付宝作为移动支付的首选,往口碑这样贴近生理需求的低层需求转移也是顺风顺水,但要往更高一层的社交维度迁移,则是上下交困。诚然, 现阶段 平安并没有像微信和支付宝这样超大用户体量的产品,要想完成需求层级的改变,可以利用多品牌、多产品服务的方式去弥补。
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