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The author:(作者)hpmailerpublished in(发表于) 2013/11/27 10:04:52 MA： thought this tiny letter is complex， doing nothing，
MA: thought micro letters is complex, doing nothing-Ma, MA, slightly, and Chung on insurance-IT information MA: thought micro letters is complex, doing nothing
"Three horses" inevitably do? This question looks a little out of date, especially within a couple of days ago, "treasure" and "customer service" insurance products have been the emergence of the Internet, this two cases.
But, as the saying goes, "one cannot allow two tigers", three horses in a Groove, I'm afraid of difficulty as much as the two of us side by side. "Three horses" also was one of the Giants in their respective fields, is China's greatest business heroes of the era. Can you imagine Steve jobs, Bill Gates and Bezos co-founded a company? If you think it's impossible, then the Sanma founded Chung on insurance is like a fairy tale, because too magnificent and it is not true. "Sanma inevitably do? "Questions like this herd was established only in insurance, it lingers in many minds, seems to also have some truth.
Press release pages
Chung on insurance was established, many witnessed the November 6 Conference reader is likely to "three horses" Barb even intensified dialogue is still impressive. The couqu, was with the film Crouching Tiger, Hidden Dragon night drum opening, as if to formalize the "three horses" go into combat. Three big brothers did live up to expectations, storm on the mouth. In particular, MA, he's got a big mouth, scrutinizing the speaking style, this will reflect on to the full. Do not believe in? For a permit:
1, opening soon, show initiative under the cellar of Guo Ma Ma and Tencent, for their "name" PEP talk. MA is the glove, reminded Ma "We welcome competition, and you will be able to find their position. QQ and want want struggle when we all find our location. ”
2, Peter Ma said some insurance operations are complicated, MA at once retort: "I really can't imagine, insurance complex where today? "By the way, stepped on Ma," I thought minimally complex, doing the doing of think not that complicated. ”
3, Peter Ma hit back: "everything can get online, he may be 1000 years later. "Ma insinuation:" I don't want to say 1000 years, only the do you want to do, you just have to want to do, there has to be a way. If you don't want to do, not even 10,000 years. "Then went on to say:" the heart of the young man will forever remain curious, never heard the old horse said, no, it would be out. I wanted to give it a try. Very often, because the world is to try it out. ”
4, referring to "three horses" when insurance is able to grant, Ma believed that first of all, thanks to online financial (ping) support, otherwise think it smoothly from the regulators got an insurance licence is almost impossible. While Ma responded: "for Ali wanted to finance, our layout is not that much money, lies not in getting the licence, but the credit system. ”
Why do you talk so rushed? That Conference final, Ma was aware of the problem, also gave his own answer: "(need to) continue to challenge, three horses work together, Chung on insurance, (it will) help our competitors, helping our partners grow, it is our responsibility. Just keep that curiosity, maintain that the alleged challenge to the authority of (we will forward the cause. ）”
So of course makes sense. However, three horses are not triplets, no heart, MA how to speak inside the Ali of course without any problem, but Ma and Ma mingzhe, these two big brothers, able to adapt to do around this big mouth to tell his?
Sanma product, Ali Rob play
"Customer service" is a common introduced Taobao and Taikang life insurance products, "treasure" is Ma, MA, mamingzhesanma Chong Chung launched insurance solely from the perspective of financial products, these two products are not magic, just from its traditional insurance operations "pick up leakage", and standardization, on the line. The "treasure" is a security product, Taobao and huatai previously done similar things, "customer service" that is life insurance, was actually an accident, health insurance. Don't need interviews without medical clearance, easier standardization and cost savings.
Within two days, the two "music" size was quickly completed by Ali double-line layout of the property casualty and life insurance on the Internet, MA March ambitions revealed no margin in the insurance industry. But Ali's collaborator, has been intentionally or unintentionally ignores the focus of public opinion seemed to be concentrated in Ali.
Rob Ali plays are emboldened. Chung on insurance before opening, its website showed that shareholders of Chung on insurance for Zhejiang Alibaba's e-commerce limited cent, Shenzhen Tencent computer system limited company 19.9%, China's ping an insurance (Group) company limited, ctrip 15%. Chung on the company's position is not only sales of insurance products through the Internet, but through product innovation, Internet operators and participants to provide a range of integrated solutions.
From the equity ratio, one can roughly guess what Ali's voice might be larger than other shareholders. Description of the company's position clear, "three horses" with Chung on the insurance company will sell insurance products, and innovative products. Said both insurance products of sales, China peace life insurance, and casualty, and endowment insurance, and health insurance four insurance complete, hand in has a lots ready-made of products, if combines Shang Ali, and Tencent and ctrip of customer resources, China peace insurance sales will big to unthinkable; or, China peace played professional of fine is capacity, other Internet company provides huge data, or multi-party common contribution customer and data, complement each other, all Ann insurance still is who world level of, and no can limited of great company.
"Three horses" insurance analyst at domestic brokerage said: "Chung that it is very easy to cut into the shareholder-related business, return shipping insurance such as Taobao, Tencent's online gaming equipment aviation accident insurance and other insurance, ctrip, its scale of business and insurance groups would have explosive growth. ”
However, three horses will do no picket line to play their respective roles?
Let us look back on November 6 of the Conference. Three shareholders, "three horses" insurance company CEO Yin Hai building. The CEO later told Chung on three main aspects of the insurance business: e-commerce, mobile payments and Internet banking.
Note: Chung CEO say three business and civil service network said the company saw a big omission, sales of insurance products of these features is silent. If ping cannot sell insurance on the Chung on insurance, what can it do for insurance? "Three horses" customer resources or data exchange between you? "No, these are all shareholders the most secret things, they won't have to pay any other people. Christmas is mainly used for claims under the line. "Yin Hai is denial," three horses "the most imaginative direction of cooperation between.
From a year ago, fears of a "three horses" cooperation can produce world class companies imagine real interests who choose, only in the moment.
20 days later, on November 25, Chung on insurance "treasure" to go live. Some people judge "three horses" would become "one-man show" as expected, "treasure" is a completely Ali gene products and features. In Chung's page by clicking on the "treasure", insurance or jump directly to the page Taobao Taobao Service Center page. Even if the user click on "insurance" four words "contact me", Instant Messenger is "want want", instead of QQ, never see light.
In the process of introducing this product, all the insurance man said: "we took the whole Taobao sellers sellers credit assessment of the amount of data to. Currently offline data is fragmented, online data is more transparent, gradually improve credit platforms. Chung on water not only can sellers of insurance, also according to seller's credit evaluation to measure the seller from buyers. ' Treasure ' ... ... According to seller's credit performance matches its lines of credit underwriting, through control of real-time monitoring to track sellers risk. And ex-post risk customers against malicious disclosure, poor credit history in the past ' bad ' buyers will be excluded from the insurance category. ”
Only to be understood literally, the "treasure" is supported by Ali's core data and customer information on the basis of this product is designed. All insurance products on the Internet if you need this kind of data, according to Yin Hai said, the three parties also cannot exchange data and resources, because this is a three-party "most secret things" so Chung on this "Sanma" insurance companies may have to continue to seek data from largest shareholder Ali, a support.
Before you know it, China entered the era of the Internet age. Between current micro, micro-blogging, Taobao are hardly a valid link, especially when sharing customer data? Reality tells us, "three horses" insurance great genes, probably exist only in the imagination.
马云：本以为微信很复杂，做着觉得也没什么 - 马云,马化腾,微信,来往,众安保险 - IT资讯马云：本以为微信很复杂，做着觉得也没什么
“三马”会散伙吗？这样的疑问看上去有些不合时宜，尤其是在一两天前“众乐宝”和“乐业保”这两款互联网保险产品相继诞生的情况下。
不过，俗话说，“一山不能容二虎”，三马同槽，难度恐怕不亚于二虎并存。何况“三马”还都是各自领域数一数二的巨头，是这个时代中国最伟大的商业英雄。你能想象乔布斯、比尔·盖茨和贝索斯共同创立一个公司吗？如果你觉得那是天方夜谭，那么，三马共同组建众安保险也像童话一样，因为过于壮丽而显得不真实。“三马会散伙吗？”这样的疑问从众安保险刚刚成立便萦绕在不少人脑海中，就貌似也有那么几分道理。
发布会上的唇枪舌剑
很多目击过11月6日众安保险成立发布会的读者，可能都会对“三马”锋芒毕露甚至剑拔弩张的对话至今仍印象深刻。那场会也凑趣，居然是以影片《卧虎藏龙》的夜战鼓声开场，仿佛在催促“三马”赶紧进入战斗状态。三位大佬确实不负众望，嘴巴上都有风暴的味道。尤其是马云，他口无遮拦、百无禁忌的说话风格，在这场会上体现得淋漓尽致。不信？有例为证：
1、开场不久，马云就在郭广昌的煽风点火下主动出击马化腾和腾讯，为自己的“来往”正名打气。马化腾则是绵里藏针，提醒马云“我们是欢迎有竞争，而且大家一定能够找到各自的位置。当初QQ和旺旺斗争的时候，大家都找到了自己的位置。”
2、马明哲说有些保险操作比较复杂，马云马上反驳：“我实在想象不出，今天保险复杂在哪里？”顺便踩了一下马化腾，“我本来以为微信很复杂，做着做着觉得也没有那么复杂。”
3、马明哲回击道：“所有东西都可以上互联网，他可能是一千年以后。”马云反唇相讥：“我也不想说一千年，只有你想不想干，你只要想干，肯定是有办法。如果你不想干，一万年也不行。”接着又说：“年轻人要永远保持好奇之心，不要听见老马说不行，那就不行了。我就想试一试。因为这个世界很多时候就是试出来的。”
4、在谈到“三马”保险之所以能获批时，马化腾认为，首先得感谢线下金融（中国平安）的支持，否则想从监管部门那里顺利拿到保险牌照几乎是不可能的。而马云则回应道：“对于阿里来讲不是想做金融，我们的布局不在于挣多少钱，不在于拿到这个牌照，而是在于信用体系。”
为什么要说话这么冲？其实在那场发布会最后，马云意识到了这个问题，也给出了自己的答案：“（需要）不断去挑战，三马一起合作做众安保险，（这样可以）帮助我们的对手，帮助我们的合作伙伴成长，这是我们的责任。只有这样保持好奇心，保持这种对所谓权威的挑战，（我们的事业才会向前发展。）”
这么说当然有道理。但是，三马不是三胞胎，做不到心意相通，马云怎么说话在阿里内部当然毫无问题，但马化腾和马明哲这两位大佬，能适应身边这个大嘴巴对自己指手画脚吗？
三马产品，阿里抢戏
“乐业保”是淘宝保险和泰康人寿共同推出的产品，“众乐宝”是马云、马化腾、马明哲三马合创的众安保险推出的，单从金融产品的角度来说，这两个产品并不神奇，只是从传统保险业务中“拣漏”来的，然后标准化、上线。“众乐宝”是个保证金产品，以前淘宝和华泰搞过类似的东西、“乐业保”说是寿险，其实是个意外健康险。不需要面谈，不用体检，容易标准化，节省成本。
两天之内，两个“乐”字号产品让阿里迅速完成了互联网财险和寿险的双线布局，马云进军保险业的雄心显露无余。但阿里的合作者，却被有意无意的忽略了，舆论的焦点似乎都集中在了阿里之上。
阿里抢戏是有底气的。众安保险开业前，其官网显示，众安保险的股东为浙江阿里巴巴电子商务有限公司19.9%、深圳市腾讯计算机系统有限公司15%、中国平安保险(集团)股份有限公司15%、携程5%。众安公司的定位是，不只通过互联网销售既有的保险产品，而是通过产品创新，为互联网的经营者和参与者提供一系列整体解决方案等。
从股权比例上，人们大致也能猜出阿里的话语权可能会比其他股东大一些。公司的定位清楚的说明，“三马”一起搞众安保险公司会销售既有保险产品，也会创新产品。说到既有保险产品的销售，中国平安寿险、财险、养老险、健康险四险齐全，手里有一大把现成的产品，如果结合上阿里、腾讯和携程的客户资源，中国平安保险销售量会大到不可想象；或者，中国平安发挥专业的精算能力，其他互联网公司提供庞大数据，或者多方共同贡献客户和数据，优势互补，众安保险仍然是一家世界级的、无可限量的伟大公司。
针对“三马”保险，有国内券商分析师认为：“众安保险很容易切入与股东相关的业务，如淘宝退货运费险、腾讯的网游装备保险、携程的航空意外险等，其业务规模和投保人群会有爆发式增长。”
然而，三马会毫无芥蒂的发挥各自的作用吗？
让我们把视线重新回到11月6日那场发布会来。三个股东言罢，“三马”保险公司的CEO尹海上场。该CEO上来之后就讲了众安保险三个主要方面的业务：电子商务、移动支付和互联网金融。
注意：众安CEO所讲的三个业务与上文官网所说的公司定位出现了较大遗漏，其中销售既有保险产品的功能只字未提。如果中国平安不能在众安保险上卖保险，它能为众安保险做些什么呢？“三马”之间会有客户资源或数据的交换吗？“不会的，这些都是各个股东最机密的东西，它们不会轻易给任何其他人。平安主要能做的是线下理赔。”尹海当场就否定了“三马”之间最有想像力的合作方向。
从一年前，人们对“三马”合作可以产生世界级公司的想像到现实利益斤斤计较的取舍，只在一瞬间。
20天之后，即11月25日，众安保险的“众乐宝”上线了。与此前一些人判断的“三马”一定会变成“独角戏”的预期一样，“众乐宝”是一款完全阿里基因和特点产品。在众安的页面上点击“众乐宝”，页面就直接跳转到淘宝保险或淘宝服务中心页面。即使用户点击“众安保险”四个字后面的“和我联系”，即时通讯工具也是“旺旺”，而不是QQ，也见不到微信。
在介绍这款产品的产生过程时，众安保险的人说：“我们目前取了整个淘宝卖家全量的数据来进行卖家信用评估。目前线下数据较为碎片化，线上数据则更为透明，可逐渐完善信用平台。众安保险不仅可以根据卖家的流水，还可根据买家对卖家的评价来测算卖家信用。‘众乐宝’将……根据卖家的信用表现给予匹配其信用的承保额度，通过实时的控制监控跟踪卖家的风险。且在事后针对恶意风险客户给予信息披露，过往信用记录不佳的‘不良’买家将被排除在投保范畴之外。”
仅从字面来理解，“众乐宝”是在得到阿里的核心数据和客户信息的基础上，设计出来的这款产品。如果每一款互联网保险产品都需要这样的数据，按照尹海的说法，三方又不可能交换数据和资源，因为这是三方各自“最机密的东西”，那么，众安这家“三马”保险公司也许只能继续从最大股东阿里一家寻求数据支持。
不知不觉，中国互联网进入了割据时代。目前的微信、微博、淘宝之间几乎都不能有效链接，更何况彼此分享客户和数据呢？现实告诉我们，“三马”保险的伟大基因，很可能只存在于想像之中。
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