“4个多月前平安就将新公司的成立申请提交到保监会，拟申请的新公司是财产险公司，经营范围局限在财产保险，拟申请范围内不包含其它类业务。”8月31日，一位保监会人士对本报称。

"More than four months ago peace will be the establishment of the new company application submitted to the China insurance regulatory commission,Plan to apply for new company is property,Business scope limitation in property insurance,To apply range does not include other kind of business."August 31,,A circ personage to the financial times said.

　　“9月中旬可能会有消息。”上述人士说，“新公司的名字是两个字，跟平安、阿里巴巴、腾讯的名字没有关系。”

"In the middle of September there may be news."The above said people,"The new company name is two words,With peace/alibaba/Tencent name no relationship."

　　8月24日平安中期业绩发布会上，中国平安(601318,股吧)集团董事长马明哲确认将和腾讯的马化腾和阿里巴巴的马云，在上海成立合资保险公司，探索互联网新金融道路。

On August 24, the medium-term performance conference of peace,China peace(601318,guba)Group chairman Mr Ma confirmation will and tencent's MaHuaTeng and alibaba ma,Joint venture insurance company was founded in Shanghai,Explore the Internet new financial road.

　　不过，“三马”合谋设立新公司所面临的真正问题，在于目前“互联网虚拟财产保险”产品存在的制度障碍。保监会并没有对虚拟财产保险的监管制度，上述保监会人士透露，即使保监会通过了申请，可能还要涉及互联网监管部门工信部、甚至央行等部门的审批。

but,"SanMa"To establish a new company conspiracy faced the real problem,Is currently"The Internet virtual property insurance"The system barrier existing products.The China insurance regulatory commission and not on the virtual property insurance regulatory system,The circ sources,Even if the China insurance regulatory commission through the application,May also involves the Internet supervision department work letter department/Even the central bank and other departments of examination and approval.

　只卖保险产品 Only sell insurance products

　　尽管“三马”联合被解读为意欲进军互联网金融，但事实上它只是个保险公司。

although"SanMa"Joint was interpreted as a wish to develop Internet financial,But in fact it is just an insurance company.

　　“不是什么互联网金融公司，这就是一家完完全全的保险公司，申请牌照已报给保监会。” 中国平安集团常务副总经理顾敏对本报称，“新公司卖的就是保险产品，不存在任何其它类型金融产品。”

"Is not what the Internet financial company,This is a complete insurance company,Apply for licence already declare to the China insurance regulatory commission." China ping an group executive vice general manager GuMin to our newspaper said,"The new company is selling insurance products,There are no other types of financial products."

　　“筹备申请都没有批准下来，根本都没有进入运作阶段。”据顾敏介绍，新保险公司的设想从今年开始谋划，在中国平安、阿里巴巴和腾讯这三家公司里，平安不占主导地位。

"No application for approval down,Did not enter the operation phase."According to GuMin introduced,The idea of new insurance company from the beginning of this year plan,In the Chinese peace/Alibaba and tencent in the three companies,Peace does not occupy a dominant position.

　　这并非保险业首次“触网”。事实上，近几年，保险公司在网销渠道的开拓上“厮杀”激烈，但网络更多充当卖保险的渠道之一。

It is not for the first time, the insurance industry"net-fault".In fact,In recent years,The insurance company in the net pin channel on development"fight"fierce,But the network more selling insurance act as one of the channels.

　　马明哲表示新公司希望有所创新，创新不仅体现在销售渠道上，而且将延伸到产品研发。“互联网上很多交易金额很小，出保单并不够，有些网络游戏有一定价值，网络上的虚拟价值是存在的，"地面"的保险也可搬到"网上"。”

Mr Ma said the new company hope to innovation,Innovation is not only reflected in the sales channels,And will be extended to product research and development."The Internet a lot of transaction amount is very small,The policy is not enough,Some online games have a certain value,The network virtual value exists,"ground"Insurance can also be moved to"online"."

　　中国平安、阿里巴巴、腾讯的角色如何分配？马明哲强调，中国平安有保险产品设计、精算和提供理赔服务的专业性优势，“阿里巴巴和腾讯主要是有互联网客户的优势，庞大客户群和客户交易量，以及现有低成本业务销售平台的价值。”

China peace/alibaba/Tencent role how to distribute?Mr Ma stressed,China ping an insurance product design/Actuarial and provide claims the professionalism of the service advantages,"Alibaba and tencent is mainly have the advantage of Internet clients,Huge customer base and customer trading,And the existing low cost business sales platform value."

　障碍重重 Disorder of

　　参股多家保险公司并不存在政策障碍，平安面临的真正问题在于创新型“互联网虚拟财产保险”产品存在的制度障碍。

Many insurance companies participation does not exist policy barriers,The real problem is that peace face innovative"The Internet virtual property insurance"The system barrier existing products.

　　首先，保监会并没有对虚拟财产保险的监管制度。

First of all,The China insurance regulatory commission and not on the virtual property insurance regulatory system.

　　“保监会的基本态度肯定是支持和鼓励创新，但也不能只管让你生，生完就不去考虑如何监管等问题。此外，即使保监会通过了申请，可能还要涉及互联网监管部门工信部、甚至央行等部门审批。”前述保监会人士称。

"The China insurance regulatory commission's basic attitude affirmation is to support and encourage innovation,But can't just let you living,After giving birth will not go considering how to and supervision of the problem.In addition,Even if the China insurance regulatory commission through the application,May also involves the Internet supervision department work letter department/Even the central bank and other departments for examination and approval."The foregoing insurance regulatory commission officials said.

　　“客观障碍肯定有，但也不一定要等到完善相应法律法规之后才给准生证，保监会还在考虑解决方法。”上述人士表示。

"Objective obstacles must have,But also don't wait to perfect relevant laws and regulations to ZhunShengZheng after,The China insurance regulatory commission is considering a solution."The above said people.

　　此外，虚拟财产保险也面临很多障碍。目前虚拟财产主要指狭义的数字化、非物化的财产形式，它包括网络游戏、电子邮件等一系列信息类产品，虚拟财产在法律上还没有明确定位。

In addition,Virtual property insurance also faces many obstacles.At present the virtual property refers to special digital/The physicochemical property form,It includes online game/Electronic mail and a series of information products,The virtual property in law is not clear positioning.

　　网销保险目前的接受度有限、产品较简单、保费少，网销渠道对保险公司的业务贡献还有限。在寿险公司中，渠道保费贡献率大多不足1%，财险公司较高的水平也仅在5%左右，“三马”联合的新公司或将面临目前传统保险产品在网销中的同样问题。

Net pin insurance current acceptance limited/The product is simple/Premium less,Net pin channel to insurance company's business contribution is limited.In the life insurance companies,Channel premium contribution rate less than 1% mostly,General insurance company higher level also in only about 5%,"SanMa"The union's new company or will be faced with at present the traditional insurance products in net pin in the same problem.

　　相关统计数据显示，截至2011年12月底，中国网络游戏用户规模达到3.24亿，网民使用比例为63.2%，中国网络游戏市场实际销售收入达到428.5亿元。尽管虚拟财产规模如此庞大，但基本没有任何保障。

Related statistical data display,By the end of 2011 the end of December,China's online game user scale up to 324 million,Netizens use ratio is 63.2%,China's online game market actual sale income amounted to 42.85 billion yuan.Although the virtual property scale is so large,But the basic not any security.

　　阿里巴巴的一位人士说，无论是腾讯还是阿里巴巴旗下的淘宝网，其用户高额的线上交易量都对在线交易安全有着巨大需求。进军互联网保险业务，也是为自家产业链保驾护航。CNNIC数据显示，去年遭遇网购诈骗的网民达6169万人，保守估算造成超过308亿元的损失。

Alibaba's one person said,Whether tencent or alibaba's taobao,The user high online trading are to the on-line transaction security has huge demand.The Internet insurance business,But also for their escort industry chain.Data showed that CNNIC,Last year the net encounter fraud netizen amounts to 61.69 million people,Conservative estimated more than 30.8 billion dollars of that.

　　阳光财险去年推出首款虚拟财产保险“网络游戏运营商用户损失责任险”，由网游公司购买。玩家的账号被盗或丢失时，保险将赔偿玩家损失。

Sunshine general insurance launched last year first virtual property insurance"The network game operators user loss liability insurance",The company to buy online.The player's account number is stolen or lost,Insurance will compensate for the loss of the player.

　　但很多账号并非玩家用个人资料注册而是买来的，一旦丢失很难证明是自己的账号，很难索赔。而如果运营商不愿意付费，最主要的障碍在于如何让玩家主动购买。

But a lot of account is not players use personal information registration but it,Once lost is difficult to prove his own account,Is hard to claim.And if the operator is not willing to pay,The main obstacle is how to allow the player to the initiative to buy.