Journal of the Korea Institute of Information and Communication Engineering (한국정보통신학회논문지)

The Korea Institute of Information and Commucation Engineering (한국정보통신학회)
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Introduction of InsurTech and Analysis of Re-Entry into Chinese Insurance Market for Korean Insurance Companies

인슈어테크 도입과 한국 보험회사의 중국 보험시장 재진출 전략 분석 연구

  • Hwang, Ki-Sik (Graduate school of International studies in Dong-A University) ;
  • Choi, Sin-Young (BK21+ International Trade Dispute Arbitration Project Group in Dong-A University) ;
  • Kim, Se-Jin (BK21+ International Trade Dispute Arbitration Project Group in Dong-A University)
  • Received : 2018.04.19
  • Accepted : 2018.05.28
  • Published : 2018.09.30
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Abstract

In the recent, Chinese insurance market has taken a introduction of InsurTech. It is a combination of insurance and fintech. This means that the policyholder design their own insurance and take out the policy on-line without insurance planner. This trend is remarkable issue. Growth rate of InsurTech in China have significantly been growing. In addition, Chinese insurance market has kept generally stable and fast growth rate, although Chinese forecasting economic growth is subject to massive uncertainties. Nevertheless, the increase in the number of Korean insurance companies fails to settle into Chinese insurance market due to lack of awareness about newness of Chinese insurance market. Moreover, Korean insurance company in China or planning to enter are not prepared for InsurTech yet. Chinese insurance market is valuable for Korean insurance companies. This paper suggests implications of re-entry into Chinese insurance market to Korean insurance companies by analyzing policies which could make environment to endorse Chinese insurtech and case of Chinese insurtech companies.

최근 중국의 보험시장은 핀테크와 보험을 결합한 형태인 인슈어테크를 도입하였다. 이는 보험가입자가 더 이상 보험 설계자를 직접적으로 만나 계약을 체결하지 않고 자신에게 맞는 모험을 온라인에서 직접 가입할 수 있는 것이다. 이러한 인슈어테크라는 새로운 트렌드는 보험시장에서는 엄청난 발전으로 여겨진다. 특히, 인슈어테크의 성장률은 엄청난 속도를 보이고 있다. 게다가 중국 보험시장은 자국의 경제성장률의 둔화와는 상관없이 보편적으로 안정적이고 빠른 속도로 성장하는 추세이다. 예를 들면, 2016년 보험 산업의 수입 프리미엄을 전체적으로 계산하면 3조 1천 억 위안으로 그 이전 해에 비해 27.5%나 성장하였다. 더불어 중국 보험시장의 수요 규모는 전 세계에서 두 번째로 큰 것으로 밝혀졌다. 그럼에도 불구하고 중국에 진출한 한국 보험기업들은 중국 현지에 적응 하지 못하고 오히려 경영성과에서 좋지 않은 성적을 보이고 있다. 이는 중국 보험시장의 최근 트렌드를 분석함에 있어서 부족하였고, 그 환경에 적응하지 못한 것으로 보인다. 따라서 본 논 문은 최근 중국에서 인슈어테크라는 새로운 변화를 도입할 수 있었던 중국 정부 정책의 변화와 실제 인슈어테크를 도입한 중국의 보험 기업을 분석함으로써, 한국 보험회사들의 중국 시장 재진출 전략에 대한 시사점을 제고하고자 한다.

Keywords

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