Current Situation of China's Cyber Security Insurance Market
中国网络安全险市场现状 |
1. Data 数据
The history of Cyber Security Insurance is not long enough, and there is no authoritative statistical organization that provides a large amount of data. Lack of database leads to difficulty in underwriting and pricing while aprecise database can strengthen the threshold according to the level of risk, avoidinglosses caused by casual development.
网络安全保险发展历史较短，没有一个提供大量数据的权威统计机构。没有数据库就无法核保和定价，有了真实的数据库，才可以根据出险风险高低来提高门槛，避免盲目开发这类产品引发的亏损。
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2. Moral Hazard道德风险
After the customer has insured Cyber Security Insurance, theymay be off guard towards internetsecurity. Thus the probability of virus or hacker invasion will be increased. At the same time, there may be fraud.
客户投保网络安全保险后，对待网络系统安全的态度可能会有所放松，病毒或黑客入侵的概率会提升。同时，不排除会有骗保现象。 |
3. Law & Regulation 法律法规
The powerful and strict laws and regulations in the United States have become the backbone of the Cyber Security Insurance. The norms on data protection deepen people’s awareness as well. However, China's laws and regulations on Cyber Security Insurance are vague, which becomes restrictionto its development to some extent.
美国法律法规的发展及严格的责任追究制度成为网络安全保险行业的坚强后盾，数据保护条例加深保险意识，促进市场迅速壮大。但我国对于网络安全的相关法规模糊，在一定程度上约束了网络安全保险的发展。
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4. Players 玩家
At present, the scale of USCyber Security Insurance accounts for 90% + over the global market, 10 times larger than Europe. Only 1% of the global total is shared in APAC, with key players including Australia, Singapore, Japan, etc. In China, currently in the aspect of Cyber Security Insurance, only Zurich, Allianz, and AIG are large forces to promote the Chinese market.
目前美国网络安全保险市场保费规模超过全球总量的90%，欧洲保费规模只有美国的不到1/10，亚太地区占全球总量1%左右。在亚太地区，目前主要的网络安全保险市场包括澳大利亚、新加坡、日本等。我国能够提供支持的保险运营商少之又少，目前在网络安全保险方面只有苏黎世财产保险（中国）有限公司、安联财产保险（中国）有限公司和美亚财产保险有限公司推动力度较大。
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Generally speaking, Cyber Security Insurance is already developed well abroad, while in China, there are not many insurance companies to carry out plans in this new market. For more information about Cyber Security Insurance, we are delighted to invite you to attend the Congress and discuss together.
总体来看，网络安全保险在国外已经很发达，而在国内来看，开展这方面保险计划的保险公司并不多，人们对这类产品的接受度也不高。我们很荣幸邀请各位来到我们的大会现场，和我们一起探讨网络安全保险。
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