| Innovate for Breakthroughs: New Products, New Markets & New Technologies |
Many new forces are inserting in the innovation of property insurance products, some will alter traditional design and use of the products, others will bring more challenges to the operation of insurance companies. The rising of Insurtech is also subverting the insurance industry. In addition, how to prevent the risk is a matter of concern on the road of innovation.
许多新力量正在涌入财险产品的创新，有的将会打破产品的设计和使用方式，另一些则会为保险公司的经营带来更高的复杂度；崛起的保险科技也正在颠覆保险行业。此外，如何防范风险，在创新之路上是一个值得关注的问题。
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Sharing Economy共享经济
Online and mobile platforms make personal property to be commercialized, Uber and Airbnb are 2 famous examples. In these new models of production and consumption, new opportunities related to insurance cannot be ignored.
在线平台和移动平台使个人财产更易于商业化。Uber和Airbnb就是“共享经济”平台的两个著名例子。在这些生产和消费的新模式中也可能存在被保险遗漏的商机。
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Autonomous Cars自动驾驶汽车
When autonomous cars take the place of traditional ones, the risk will be transferred from drivers' faults to manufacturing defects. Autonomous carswill also change the target customers and insurance products. New insurance may be developed to cover the risk of vehicle failure and cyber attack.
在自动驾驶汽车取代传统汽车的时候，风险将从人类驾驶过程中的差错转移到因为制造缺陷而导致的新风险上。自动驾驶车辆的增多也将会改变保险公司的客户群及产品，可能需要新的保险以帮助他们覆盖车辆故障和网络攻击的风险。
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Social Networks &Big Data 社交网络和大数据
The behavior and lifestyle information shared through social medias may change the way current insurance market participants predict customer risks. Through powerful analytical tools, insurance companies may find subtle differences between insurance needs, behaviors, and risks that are not being met.
通过社交媒体共享的生活方式和行为信息可能会改变当前保险市场参与者用来预测客户风险的方法。通过强大的分析工具，保险公司可能会发现没有得到满足的保险需求、行为和风险之间的细微差别。
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IoT 物联网
Wireless technology is embedded in objects, enabling them to connect together through cloud. With more items are connected, insurance companies will be able to make use of their data to greatly improve the accuracy of risk assessment and pricing. IoT will also form a new channel to interact with customers of auto insurance or others, so as to reduce specific risks or provide insurance services if needed.
物体之中嵌入了无线技术，使它们能够通过云与其他物体联通，日常用品就可以形成一个网络，在这个网络里互相通讯。随着越来越多的物品被连接到一起，保险公司将能够利用他们的数据来大大地提高风险评估和定价的精度。物联网还将形成一条新通道，与车险和其他财产保险的客户互动，从而减轻特定风险或在需要的时刻提供保险服务。
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Blockchain区块链
By distributing ledger among multiple computers, blockchain provides a fast, cost-effective and reliable way to decompose insurance into more detailed units. It can also enable smart contracts. In conjunction with the IoT, blockchain system can design insurance based on parameters and automatically compensate. Blockchain can also promote automatic payment of premium, complex claim assessment and claim payment.
通过在多台计算机之间发布分布式账本，区块链提供了快速、成本效益高、可靠性强的方法，轻而易举地把保险分解成更细化的单元。它还可以启用智能合同。与物联网结合，区块链系统可以设计基于参数的家庭保险和车险，根据预设的条件自动赔付。区块链也可以促进保费自动支付、复杂索赔评估和索赔支付。
提供保险服务。
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The path of property insurance products innovation is a long and difficult progress. It is also the desire of every insurer to prevent the risk effectively. We welcome all of you to the scene of our conference to discuss Property Insurance Products Innovation & Risk Prevention together.
财险产品的创新之路，道阻且长；有效地防范风险，是每一个从业者的愿望。在此，我们欢迎各位来到我们的大会现场，和我们一起探讨财险产品创新与风险防范。
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