8月24日，中国平安(601318,股吧)集团(SH601318，HK02318)董事长马明哲在中报业绩发布会上证实了平安与腾讯、阿里巴巴合资成立一家网络保险公司的“传闻”。

On August 24,,China peace(601318,guba)group(SH601318,HK02318)The chairman Mr Ma in performance center daily news conference confirmed peace and tencent/Alibaba joint venture set up a network of the insurance company"rumours".

　　最近两个月来，这家公司的情况陆续得以浮现。

The last two months,The company has to emerge.

　　据了解，“三马合资”公司名为众安在线财产保险公司（下称众安在线），注册地在上海，注册资本金10亿元，其中，阿里巴巴控股19.9％，平安和腾讯各持股15％，携程持股5％，其余股东中包含多家网络科技公司。

It is understood,"SanMa joint venture"The company called the Ann online property insurance company("All the Ann online),Registered in Shanghai,Registered capital of 1 billion yuan,the,Alibaba holding 19.9%,Peace and tencent each holding 15%,Ctrip 5% shareholding,The rest of the shareholder contains several network science and technology company.

　　马明哲在业绩发布会上对媒体表示，希望可以通过新公司“将线下的保险搬到网上去”，同时“游戏中、网络上有虚拟价值存在”，新公司也将在虚拟财产保险方面做一些尝试。

Mr Ma in performance conference media said,The hope can through the new company"The insurance will be offline move to go online",At the same time"The game/The network is virtual value exists",The new company will also in virtual property insurance do some trials.

　　据了解，众安在线将主要从事两种产品的保险：基于互联网的产品和基于物联网的产品。例如虚拟货币失盗险、网络支付安全保障责任险，甚至还有基于语音技术的保险保障服务。

It is understood,The Ann online will mainly engaged in two kinds of products the insurance:Based on the Internet products and based on things networking products.For example virtual currency be burglarized risks/Network payment security liability insurance,There are even based on speech technology insurance service.

　　“这是一种整合所有资源的模式。虚拟财产保险的实现，要借助保险公司的风险判断和识别体系。”接近阿里巴巴的人士向《财经》(博客,微博)记者透露，新公司主营业务不会与传统保险公司有太多重合，更多的还是虚拟物品保险以及与网络电子商务交易密切相关的新业务。

"This is a kind of integration of all the resources of the model.The realization of the virtual property insurance,To use the insurance company risk judgment and recognition system."Close to alibaba's to the public[financial](blog,Micro bo)Reporters revealed,The new company main business with the traditional insurance company won't have too much coincidence,More or virtual goods insurance and network electronic business transactions closely related to the new business.

　　“三马合资”公司的诞生意味着，互联网金融跨越单纯渠道合作的阶段，催生出新的金融业务品种及业务模式。

"SanMa joint venture"The birth of the means,The Internet financial across simple channel cooperation stage,Gave birth to the new financial business varieties and business model.

　　曾在平安从事多年保险电子化业务的吴军告诉《财经》记者，比之其他行业，金融行业的互联网化进程较慢，以保险业为例，从2011年数据来看，通过互联网渠道销售的保险仅占保险业总销售额约1％，有很大提升空间。“三马”的联合有助于平安接触到阿里巴巴、腾讯的广大客户群，这对于保险公司来说至关重要。

Worked in peace for many years engaged in electronic business insurance wu jun told[financial]reporter,Than other industries,The financial industry of Internet change process is relatively slow,In the insurance industry as an example,From 2011 data to see,Through the Internet channel sales of insurance the insurance industry accounts for only about 1% of total sales,Has a great promotion space."SanMa"Joint help peace come into contact with alibaba/Tencent the masses of customers,It is very important to insurance company.

　　众安在线因涉及虚拟财产保险，将脱离作为保险销售渠道的单一角色，深入到互联网业务的机体内，形成深层次的产品创新。

The Ann online due to the virtual property insurance,Will serve as insurance sales channels from a single character,Further to the Internet in the business,Form deep product innovation.

　　目前，虚拟财产保险在国内并不常见。2011年7月，阳光保险率先提供虚拟财产服务，不过，只是针对网络游戏《聚仙》的玩家提供“网络游戏运营商用户损失责任险”“网络游戏玩家意外险”等。

At present,Virtual property insurance is not common in China.In July 2011,The sunshine insurance to provide virtual property service,but,But in view of the network game[Poly fairy]Players to provide"The network game operators user loss liability insurance""Network game players accident insurance", etc.

　　尽管众安在线的成立具有多重想象空间，但同时也不可避免带来监管问题。据了解，众安在线将推出的虚拟财产保险的险种尚未有确切消息，而且目前保监会也未有相关法律对其施以监管，业界亦担忧其可能带来的用户隐私权侵害。

Although the Ann online establishment has multiple imaginary space,But at the same time may inevitably bring regulatory problems.It is understood,The Ann online will launch virtual property insurance is planted there has not been a definite information,And now the China insurance regulatory commission also have no relevant laws on its with supervision,The industry also concerns its may bring user privacy violations.

　　对于已将触角伸向第三方支付、小额信贷的互联网企业而言，众安在线则意味着其进军保险业的开始。

For already will antenna reach the third party payment/Microfinance Internet businesses,The Ann online means its foray into the beginning of the insurance industry.

　　与当年兴办第三方支付公司和小额信贷一样，阿里巴巴、腾讯两家互联网公司的原动力来自完善用户的交易环境。

And in the third party payment as companies and microfinance,alibaba/Tencent two Internet the lifeblood of the company from perfecting the user's trading environment.

　　其中，阿里巴巴因其已经具有阿里小贷和庞大的电子商务用户及交易数据而格外具有想象空间。

the,Alibaba because of its has ali small credit and huge electronic business users and transaction data and especially with imaginary space.

　　目前，由于阿里巴巴没有银行牌照，阿里小贷的资金来源成为其进一步扩展的瓶颈，而平安同时拥有银行、保险、证券三张牌照，阿里巴巴会否借此次深入合作试探政策空间？尽管两家互联网公司对此事颇为低调，但外界仍有诸多猜想。

At present,Because alibaba no bank licence,Ali small credit funds become the bottleneck for further expansion,And peace with the bank/insurance/Securities three licence,Alibaba will not borrow the in-depth cooperation test policy space?Although both the Internet company for this matter rather low-key,But the outside there are still many conjecture.

　　在8月24日的发布会上，马明哲表示，新公司仍在申报过程中，可能“有一个漫长的过程”。

On August 24 of the conference,Mr Ma said,The new company is still in the declaration process,may"There is a long process".

　　接受《财经》记者采访的金融、互联网行业人士亦普遍表示，新公司将“三马”囊括其中，或将在互联网金融领域摸索出新路子。

accept[financial]Reporters financial/The Internet industry is also common people said,The new company will be"SanMa"Ranging from,Or will the financial sector in the Internet for a new path.

　　“随着互联网的快速发展，互联网和金融融合范围增大了，我们的监管部门也需要尽快研究和制定与之相应的监管体系。”曾在平安工作的贷帮网创始人尹飞如此表示。

"With the rapid development of the Internet,The Internet and financial integration range increased,Our supervision department as soon as possible also need to study and formulate corresponding supervision system."Worked in peace work credit help network founder YinFei said.