保险服务“出海”

Core Insights - The insurance industry is adapting to the increasing demand for risk coverage related to the export of new energy vehicles (NEVs) from China, with a focus on providing comprehensive insurance solutions for companies venturing overseas [3][4][10] - The rapid growth of NEV exports, which reached 1.758 million units in the first nine months of the year, represents a significant opportunity for insurance companies to explore new markets, particularly in developing countries [4][15] - Challenges such as data discrepancies, regulatory compliance, and the need for specialized risk management capabilities are hindering the ability of domestic insurance companies to effectively support NEV exports [5][17] Group 1: New Demand for Insurance - The insurance sector is actively seeking to provide full-chain risk coverage for Chinese automotive companies expanding internationally, particularly in the NEV segment [3][4] - The competitive domestic car insurance market is pushing companies to explore overseas opportunities, especially in developing regions [3][4] Group 2: Challenges in the Insurance Market - Domestic insurance companies face significant challenges, including insufficient supply of tailored insurance products, lack of pricing models for overseas risks, and limited capacity to underwrite international projects [17][18] - The complexity of regulatory environments in different countries adds to the difficulties in designing appropriate insurance coverage for NEV exports [5][17] Group 3: Innovative Solutions - Companies are exploring partnerships with local insurers in target markets to facilitate the issuance of insurance policies and manage risks associated with NEV exports [8][9] - The establishment of a centralized trading platform for insurance transactions is being pursued to enhance efficiency and reduce operational errors in cross-border insurance dealings [9][10] Group 4: Future Directions - As the demand for insurance related to the lifecycle management of NEV batteries increases, companies are collaborating with specialized institutions to develop comprehensive risk management solutions [11][12] - The growing trend of Chinese companies undertaking international infrastructure projects is creating additional opportunities for insurance services, necessitating the development of new insurance products tailored to these projects [14][15]