互联网财险新规落地周年：仅少数公司业务重启 “恢复”难在哪

Core Viewpoint - The new regulations for internet property insurance have led to many insurance companies suspending their internet insurance business, with only a few, like Dubang Insurance, signaling a potential restart of operations [1][2]. Summary by Relevant Sections Regulatory Changes - The Financial Regulatory Bureau issued a notification last August, raising the entry barriers for property insurance companies to engage in internet insurance, resulting in 10 companies, including Bohai Property Insurance and Anhua Agricultural Insurance, suspending new internet business [1][2]. Current Status of Companies - As of August 25, several companies, including Zhu Feng Property Insurance and Qianhai Property Insurance, still do not meet the requirements set by the notification. Only Dubang Insurance has indicated plans to resume internet insurance operations starting August 13, 2025 [2]. Impact on Companies - The suspension of internet insurance business has significantly impacted companies, leading to lost premium growth opportunities, customer attrition, and a reliance on traditional offline channels, which may hinder their competitiveness in a digital economy [4][5]. Consumer Impact - Companies have assured that existing insurance contracts will continue to be honored, and they will maintain after-sales services during the suspension period [6]. Strategies for Resumption - Companies are implementing various strategies to comply with regulatory requirements, including enhancing governance, upgrading customer service systems, and improving risk management [7][8]. Challenges in Resuming Business - The primary challenge for companies looking to resume internet insurance operations is meeting the solvency adequacy ratio requirements. Strategies to improve solvency include capital increases, business structure adjustments, and enhancing risk management systems [8][9].