Text | Tao Weibin
Liu Mao's "circle of friends" was on fire. In the past few days, many old friends in the industry who have not been in touch for a long time have liked her, and new friend applications have been constantly popping up in the WeChat address book.
Liu Maonan is the chairman of Jiangsu Fumao Holdings, and now she has a new identity - the head of the operator of Nanjing Jianye Insurance Technology Innovation Industrial Park.
On the afternoon of July 6th, Nanjing Jianye Insurance Technology Innovation Industrial Park opened and the daily roadshow "Insurtech Special Session" was held in Nanjing.
The event was scheduled to be held in one of the largest event halls in the Jianye Goldfish Mouth Fund Block, but the venue was still "cramped". "On the same day, more than a dozen relevant leaders came, and they all attached great importance to it, and later I sent the news of the event to a circle of friends, and many friends in Beijing came to me to learn about the situation in our park." Liu Maonan introduced.
If we know a little about the background of the insurtech industry, it is probably not surprising why Nanjing, an innovation industrial park, has received so much attention as soon as it opens.
To some extent, Nanjing Jianye, an insurance technology innovation industrial park, which is also the first insurtech park in the country to operate in the form of a co-working space, is like a stone thrown into a pool, which can not only stir up a splash now, but may also change the ecology of this industry in a few years.
Jiangsu is a veritable insurance province, last year, Jiangsu Province's premium income exceeded 500 billion yuan, accounting for almost one-tenth of the country's total premium income, ranking second in the country after Guangdong Province. In fact, in recent years, the first place in the national premium income has often rotated between Guangdong Province and Jiangsu Province.
However, such a large province with premium income is not called a "strong province" of insurance - in addition to the small number of insurance-related enterprises, there are few large companies with influence in the industry, and in recent years, many innovations in the industry have basically no Jiangsu figure.
"This is related to the overall environment for the development of China's financial industry." A senior financial person said, "Insurance is an important part of the financial industry, relatively speaking, the north, Shanghai, Guangzhou, and Shenzhen have inherent advantages. ”
For example, Beijing is the location of the national macroeconomic decision-making and financial management department, with intensive policy information, convenient and efficient communication, which is conducive to improving the operational efficiency of financial institutions and reducing compliance costs. In the latest edition of the "Global Financial Centers Ranking", Shanghai ranked 4th in the world with a score of 740 points.
In addition to the inherent advantages, "industrial planning started late", "lack of industry leading enterprises", "insufficient integration with local resources", etc., are the same challenges facing jiangsu's development of the insurance industry and even the financial industry.
As a part of the financial industry, the importance of insurance industry development is self-evident. "It can represent the level and strength of financial development of a region."
On another level, the insurance industry is also the "shock absorber" of economic development and the "stabilizer" of society.
How to pull Jiangsu's insurance industry and even the financial industry up a step? The answer is the power of "technology", which is also the consensus of all people in the industry.
The so-called financial technology refers to technology-driven financial innovation, through the use of artificial intelligence, big data, cloud computing, Internet of Things and other information technologies, the transformation and innovation of financial products, business models and business processes, so as to help the financial industry "improve quality and efficiency".
This is also recognized at the government level. At the plenary meeting of the Nanjing Jianye District Party Committee last year, the local government proposed to "accelerate the construction of a number of financial service centers and financial co-working spaces, and vigorously cultivate financial technology enterprises".
No single high-rise building is built on the beach. The determination of local governments to "vigorously cultivate financial technology enterprises" also has its own development advantages.
The first is the strong ability of scientific and technological innovation. In the past four years, the No. 1 document of the Nanjing Municipal Party Committee has focused on "innovation", which shows that the government attaches great importance to innovation, and correspondingly, Nanjing's innovation ecology is also constantly optimized, and the main body of innovation is increasing. Data show that over the years, Nanjing has cultivated more than 400 new research and development institutions, incubated and attracted more than 6,000 science and technology enterprises, and 17 unicorn enterprises.
Second, Nanjing's financial growth momentum is very strong. Since the "13th Five-Year Plan", the added value of Nanjing's financial industry has increased by more than 10% per year, the total financial assets have reached 8 trillion yuan, and the scale of the financial market can roughly account for 20% of the whole Jiangsu Province. In the "Global Financial Centers Index Report", Nanjing ranks 89th in the world and 7th among the selected cities in the mainland.
Another point is that Nanjing's supply of high-end talents is sufficient. As we all know, the supply of high-end talents and scientific research and development capabilities are the basic elements of the development of financial technology. The number of large courtyards in Nanjing ranks in the forefront of the country, and a number of national-level science and technology platform carriers have also been built.
The indicator to measure the level of talent supply in a city is "the number of college students and graduate students per 10,000 people", Nanjing ranks second in the country, the number of universities and disciplines selected for the "double first-class" construction, the number of academicians of the two academies working in Nanjing, Nanjing ranks third in the country.
Another advantage of Nanjing is that the financial resources are relatively complete. In terms of traditional financial enterprises, Nanjing has 51 corporate banks and bank branches of various types; the number of insurance institutions ranks among the best in the country, almost all important national insurance companies have set up branches in Nanjing, and the headquarters and local headquarters of various insurance companies have reached 108.
In fact, Nanjing's financial innovation has its own unique soil. Vigorously developing financial technology seems to be "everything is ready" at present, so where is the "East Wind"?
Mishu Technology from Hangzhou is a start-up company that relies on professional AI teams and big data to achieve cross-border integration of the big health and insurance industry, and the head of this company has participated in many roadshows, but the daily roadshow "Insurance Technology Special" roadshow in Nanjing Jianye has made them feel different content.
From the perspective of the local government, entrepreneurial teams like Mishu Technology are also what the local government hopes to introduce. Because the Jianye High-tech Zone, where the Goldfish Mouth Fund Block is located, is choosing to cut into the financial technology field from the insurtech track.
On the one hand, the insurtech market is huge, and the application scenarios of insurtech are also very extensive, with very large potential. Jiangsu now ranks first in the country in terms of per capita premiums, and Nanjing's insurance industry in Jiangsu is also the leader of the province, on the other hand, Jianye District has gathered a large number of insurance institutions, including insurance agencies, insurance sales, insurance valuation, insurance brokers and other types.
At the roadshow site on July 6, in addition to Meter Count Technology, there were several technology companies from the local insurance industry in Beijing, Shenzhen and Nanjing.
To attract the phoenix, build the nest first. The insurance technology innovation industrial park in the Goldfish Mouth Financial Block is a good sample. According to the planning of Jianye High-tech Zone, it is necessary to build an insurance technology industrial park with "goldfish mouth characteristics" in the future.
The high-tech zone hopes that through the venture capital empowerment of the Goldfish Mouth Fund Block, the insurtech industrial park will have a double agglomeration effect on the physical space and industrial synergy, and further promote the landing and transformation and upgrading of the insurtech industry in Nanjing and even Jiangsu.
In the future, the local government plans to set up a special fund for financial (insurance) technology, innovate loan technology credit products, establish a risk compensation mechanism, support insurance technology startups at multiple levels, and eventually form a cluster effect of financial technology enterprises, forming a coordinated development of "finance + technology" and "fund + industry".
"As an important bearing area and growth pole of the city's financial industry, Jian Ye will use the strength of the whole district to build a core agglomeration area of an important financial center in the east with high quality, of which grasping the financial technology, a strategic highland for the high-quality development of the financial industry, is the top priority." Yang Bo, member of the Standing Committee of the Jianye District CPC Committee and secretary of the Party Working Committee of the Jianye High-tech Zone, introduced it.
Obviously, the insurtech industrial park in the Goldfish Mouth Fund block is not just about signing up a few startups – the ambition of the high-tech zone is to make this industrial park a source of national insurance and technology integration and development.
"We will regularly hold salons in the industry, invite insurance companies to release product application scenarios, invite technology companies to provide scenario solutions, and we will also arrange regulatory authorities to do cutting-edge insurance business trends, and truly bring the latest application solutions and innovative products in the insurtech industry to the market from us." As an "old man" in the insurance industry, Liu Maonan is excited about his new work direction.
In the future, around the frontier direction of financial technology, the Goldfish Mouth Fund Block will continue to exert efforts, on the one hand, more docking investment institutions and project resources, on the other hand, to assist Jianye District to play a good role in the investment and guidance of government funds, and inject strong impetus into the development of insurance technology enterprises.