众安在线(06060.HK)冀2020年综合成本率可降至100%或以内
众安在线(06060.HK)首席执行官姜兴出席业绩发布会时表示,公司今年1月与蚂蚁金服加深了战略合作,带动生活消费生态总保费增长逾81%,未来会加大力度持续推进。而针对公司接到的保险投诉较多,姜兴解释公司保单量大加上产品碎片化,故按保单数量计算投诉比例较高,但从保费比例来看投诉比例在行内是非常低的,强调公司十分关注消费者权益及用户体验。
首席财务官邓锐民指出,公司一直持续改善业务结构并提升经营效率,上半年公司综合成本率按年下降15.7个百分点至108.3%,有信心2020年可降至在100%或以内,但他预期下半年综合费用率将有所上升,因为保费收益及费用仍有不匹配的情况,但全方面来看渠道费用已有改善。
在消费金融方面,邓锐民指出去年下半年起行业已见下行趋势,故公司早已开始采取有效措施保障总体风险,在改变策略时不能一下子到位,故大环境下会采取更强风控。
针对公司早前取得虚拟银行牌照,姜兴指出自取得牌照已在开展工作,具体细节不能透露太多,吁冀记者有兴趣可浏览其虚拟银行网站了解。
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