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底层逻辑
2021-05-12
水滴到底怎么了
抱歉，原内容已删除
底层逻辑
2021-05-08
如果有机会，真想能成为水滴的员工！可惜年龄大了，50岁了！
水滴公司今晚登陆纽交所，创始人称不在意短期价格波动
底层逻辑
2021-05-08
说得很实在，水滴公司的理念比较深入我们这些底层平民，我们农村老百姓现在确实是买不起那些高额的商业医疗险，生了病只能硬扛着，不敢治病，也没钱买保险，真心希望水滴能扭亏为盈，越办越好！
抱歉，原内容已删除
底层逻辑
2021-05-03
我非常看好哈啰出行，跟我们的生活息息相关
去老虎APP查看更多动态
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href=\"https://laohu8.com/S/V03.SI\">创业公司</a>在卖车险，飞单的也不少，更没有太多成功案例可参考。水滴投资人、蓝驰创投董事总经理曹巍今日对第一财经记者回忆，当时水滴团队不是保险行业的从业者，保险行业又是一个相对复杂、学习曲线非常陡峭的行业，美团的运营打法拿到水滴上是不是完全能跑得通，也存在风险。</p>\n<p>曹巍表示，大家判断整个保险产品一定会有用户群分层和基于分层后用户产品的重新再定义。不同层级或维度特点的用户，需求一定是不同的，基于网上的用户群的画像特点和产品需求，会有创新型的保险公司去重新定义一些创新型的产品针对这部分用户人群，最后才能够形成爆款。这个预判在此后得到验证。</p>\n<p>在创新工场执行董事申文超看来，传统保险效率低，主要是销售员在帮客户选择产品，而产品可能也不是最合适的。水滴的特点在于，通过技术和数据洞察，对用户进行精准画像，提高了保险产品与消费者间的匹配效率，从而增强用户的忠诚度和留存率。</p>\n<p>围绕保险业务，水滴依赖的不是传统线下经纪人模式，主要与保险公司合作售卖健康和人寿保险。招股书显示，2018年、2019年和2020年，水滴保分别实现9.73亿元、66.68亿元和144.26亿元的首年保费收入，带给水滴公司的营收分别为1.22亿元、13.08亿元和26.95亿元。截至去年年底，累计服务保险用户数量约为7940万人，累计付费保单数达到3070万张。</p>\n<p><a href=\"https://laohu8.com/S/601995\">中金公司</a>在一份研报中预计，2030 年中国互联网保险市场规模将接近 3.3 万亿，假设代销保险的平均佣金率达到 20%，2030 年互联网代销保险收入的潜在市场规模将超过6千亿，是2020 年市场规模的十倍。</p>\n<p>不过，这一创新赛道当前仍存在一些风险。首先在监管方面，监管正加强对互联网渠道收取的佣金费率管制，未来若进一步限制渠道收取的手续费范围，控制渠道端的议价能力，行业代销保险收入或将下降。</p>\n<p>其次，目前互联网保险业务竞争加剧，该赛道下公司可能需要加大费用投入，对盈利能力造成负面影响。</p>\n<p>水滴目前仍处亏损状态。2018年、2019年和2020年，该公司的净亏损分别为1.4亿元、1.59亿元及2.47亿元，亏损的原因主要在于销售营销费用以及因涉足保险业务带来的成本增长。例如，2020年一年，水滴营销费用达到21.4亿元，占总收入的70.4%。</p>\n<p>杨光今日也对记者表示，目前保险科技还处在发展早期，营销费用投入是必要的，对应地也带来了整体收入的增长和运营效率的提升。</p>\n<p>而预计在上市之后，水滴募集的资金将用于加强和扩大健康服务和健康保险业务、研发。沈鹏今日对记者透露，部分上市募集资金将用于科技赋能理赔，提升运营效率和用户体验。未来水滴力争绝大部分理赔案用<a href=\"https://laohu8.com/S/5RE.SI\">智能</a>系统加人工适当结合的方式处理完成，确保用户理赔申请后72小时内处理完成。</p>\n<p>而之所以选择赴美上市，沈鹏告诉记者，一些欧美投资人看好保险科技大方向，水滴则希望在全球化资本市场能够引进一些当前阶段更为优质的股东，上市基本的目的就达到了，还是希望团队能够静下心来回到用户需求上。杨光也称，不会在意短期的价格波动。</p>\n<p>沈鹏对记者说，“上市就是一轮融资，只是融资效率更高。”</p>\n<p>扫二维码，注册即可领取6.xx%理财券>><img referrerpolicy=\"no-referrer\"><img referrerpolicy=\"no-referrer\">海量资讯、精准解读，尽在<a href=\"https://laohu8.com/S/SINA\">新浪</a>财经APP</p>\n<p>责任编辑：陈嘉辉</p>","source":"sina_us","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta 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color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n水滴公司今晚登陆纽交所，创始人称不在意短期价格波动\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-05-07 21:36 北京时间 <a href=https://finance.sina.com.cn/money/insurance/bxyx/2021-05-07/doc-ikmxzfmm1098258.shtml><strong>新浪财经</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>“今天凌晨4点才休息，讨论了很久订单如何分配。”\n\n5月7日下午，距离水滴公司即将上市敲钟几个小时前，水滴公司CEO沈鹏仍要面对来自“做公益的公司也能上市？”的疑问。\n公众对于这家公司感知最多的，是其医疗众筹业务“水滴筹”平台。水滴在创立之初，大病筹款是水滴业务的起点，起到了冷启动的作用，凭借社交裂变迅速打开了下沉市场。今日接受第一财经记者采访时，沈鹏表示水滴筹不是慈善公益组织，只是公司业务之一，...</p>\n\n<a href=\"https://finance.sina.com.cn/money/insurance/bxyx/2021-05-07/doc-ikmxzfmm1098258.shtml\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/81ce8c293cee83e23313f63bc1e5ed24","relate_stocks":{"WDH":"水滴"},"source_url":"https://finance.sina.com.cn/money/insurance/bxyx/2021-05-07/doc-ikmxzfmm1098258.shtml","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2133500663","content_text":"“今天凌晨4点才休息，讨论了很久订单如何分配。”\n\n5月7日下午，距离水滴公司即将上市敲钟几个小时前，水滴公司CEO沈鹏仍要面对来自“做公益的公司也能上市？”的疑问。\n公众对于这家公司感知最多的，是其医疗众筹业务“水滴筹”平台。水滴在创立之初，大病筹款是水滴业务的起点，起到了冷启动的作用，凭借社交裂变迅速打开了下沉市场。今日接受第一财经记者采访时，沈鹏表示水滴筹不是慈善公益组织，只是公司业务之一，希望通过这次上市的过程让外界更加了解水滴的模式。\n根据招股书，水滴公司旗下主要有保险经纪业务、医疗众筹和互助业务（已关停）等业务。2020年，水滴公司有89.1%的收入都来自保险佣金，其医疗众筹平台未产生任何收入。换句话说，水滴筹和水滴互助的角色更像是“入口”，为其进行导流和市场教育，卖保险的“水滴保”是真正实现变现的业务。\n值得注意的是，在上市之前，水滴公司主动关停其“水滴互助”业务，这一动作普遍被外界解读为：面对监管带来的不确定性，水滴为上市排除障碍。\n为了准备上市，今日沈鹏告诉第一财经记者，团队已经连续一周每天只睡约5个小时。“今天凌晨4点才休息，讨论了很久订单如何分配，还没有达成最终版本。”\n那么，华尔街投资者是否看得懂水滴的模式？\n水滴公司联合创始人杨光今日告诉第一财经记者，路演过程中，有的投资者重点关注的是中国保险市场的发展机会；也有一些海外投资者关心，在中国社保渗透率较高的情况下，互联网保险的空间在哪儿？还有人询问有没有类似的对标公司，以便更直观地了解水滴的模式？\n想要找到水滴模式完全对标的企业有点难。2016年，作为美团第10号员工、负责美团外卖业务的沈鹏创立水滴，选择以互联网健康医疗保险作为切入点。当时大家认为健康险市场很小，大多创业公司在卖车险，飞单的也不少，更没有太多成功案例可参考。水滴投资人、蓝驰创投董事总经理曹巍今日对第一财经记者回忆，当时水滴团队不是保险行业的从业者，保险行业又是一个相对复杂、学习曲线非常陡峭的行业，美团的运营打法拿到水滴上是不是完全能跑得通，也存在风险。\n曹巍表示，大家判断整个保险产品一定会有用户群分层和基于分层后用户产品的重新再定义。不同层级或维度特点的用户，需求一定是不同的，基于网上的用户群的画像特点和产品需求，会有创新型的保险公司去重新定义一些创新型的产品针对这部分用户人群，最后才能够形成爆款。这个预判在此后得到验证。\n在创新工场执行董事申文超看来，传统保险效率低，主要是销售员在帮客户选择产品，而产品可能也不是最合适的。水滴的特点在于，通过技术和数据洞察，对用户进行精准画像，提高了保险产品与消费者间的匹配效率，从而增强用户的忠诚度和留存率。\n围绕保险业务，水滴依赖的不是传统线下经纪人模式，主要与保险公司合作售卖健康和人寿保险。招股书显示，2018年、2019年和2020年，水滴保分别实现9.73亿元、66.68亿元和144.26亿元的首年保费收入，带给水滴公司的营收分别为1.22亿元、13.08亿元和26.95亿元。截至去年年底，累计服务保险用户数量约为7940万人，累计付费保单数达到3070万张。\n中金公司在一份研报中预计，2030 年中国互联网保险市场规模将接近 3.3 万亿，假设代销保险的平均佣金率达到 20%，2030 年互联网代销保险收入的潜在市场规模将超过6千亿，是2020 年市场规模的十倍。\n不过，这一创新赛道当前仍存在一些风险。首先在监管方面，监管正加强对互联网渠道收取的佣金费率管制，未来若进一步限制渠道收取的手续费范围，控制渠道端的议价能力，行业代销保险收入或将下降。\n其次，目前互联网保险业务竞争加剧，该赛道下公司可能需要加大费用投入，对盈利能力造成负面影响。\n水滴目前仍处亏损状态。2018年、2019年和2020年，该公司的净亏损分别为1.4亿元、1.59亿元及2.47亿元，亏损的原因主要在于销售营销费用以及因涉足保险业务带来的成本增长。例如，2020年一年，水滴营销费用达到21.4亿元，占总收入的70.4%。\n杨光今日也对记者表示，目前保险科技还处在发展早期，营销费用投入是必要的，对应地也带来了整体收入的增长和运营效率的提升。\n而预计在上市之后，水滴募集的资金将用于加强和扩大健康服务和健康保险业务、研发。沈鹏今日对记者透露，部分上市募集资金将用于科技赋能理赔，提升运营效率和用户体验。未来水滴力争绝大部分理赔案用智能系统加人工适当结合的方式处理完成，确保用户理赔申请后72小时内处理完成。\n而之所以选择赴美上市，沈鹏告诉记者，一些欧美投资人看好保险科技大方向，水滴则希望在全球化资本市场能够引进一些当前阶段更为优质的股东，上市基本的目的就达到了，还是希望团队能够静下心来回到用户需求上。杨光也称，不会在意短期的价格波动。\n沈鹏对记者说，“上市就是一轮融资，只是融资效率更高。”\n扫二维码，注册即可领取6.xx%理财券>>海量资讯、精准解读，尽在新浪财经APP\n责任编辑：陈嘉辉","news_type":1},"isVote":1,"tweetType":1,"viewCount":939,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":107131061,"gmtCreate":1620450274853,"gmtModify":1620450274853,"author":{"id":"3582659672943747","authorId":"3582659672943747","name":"底层逻辑","avatar":"https://static.tigerbbs.com/9ab3a9a7b4ee25699aa313cd759a0ca9","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3582659672943747","authorIdStr":"3582659672943747"},"themes":[],"htmlText":"说得很实在，水滴公司的理念比较深入我们这些底层平民，我们农村老百姓现在确实是买不起那些高额的商业医疗险，生了病只能硬扛着，不敢治病，也没钱买保险，真心希望水滴能扭亏为盈，越办越好！","listText":"说得很实在，水滴公司的理念比较深入我们这些底层平民，我们农村老百姓现在确实是买不起那些高额的商业医疗险，生了病只能硬扛着，不敢治病，也没钱买保险，真心希望水滴能扭亏为盈，越办越好！","text":"说得很实在，水滴公司的理念比较深入我们这些底层平民，我们农村老百姓现在确实是买不起那些高额的商业医疗险，生了病只能硬扛着，不敢治病，也没钱买保险，真心希望水滴能扭亏为盈，越办越好！","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/107131061","repostId":"2133500663","repostType":2,"isVote":1,"tweetType":1,"viewCount":1140,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":108299277,"gmtCreate":1620027176599,"gmtModify":1620027176599,"author":{"id":"3582659672943747","authorId":"3582659672943747","name":"底层逻辑","avatar":"https://static.tigerbbs.com/9ab3a9a7b4ee25699aa313cd759a0ca9","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3582659672943747","authorIdStr":"3582659672943747"},"themes":[],"htmlText":"我非常看好哈啰出行，跟我们的生活息息相关","listText":"我非常看好哈啰出行，跟我们的生活息息相关","text":"我非常看好哈啰出行，跟我们的生活息息相关","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":1,"link":"https://laohu8.com/post/108299277","isVote":1,"tweetType":1,"viewCount":2349,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"hots":[{"id":108299277,"gmtCreate":1620027176599,"gmtModify":1620027176599,"author":{"id":"3582659672943747","authorId":"3582659672943747","name":"底层逻辑","avatar":"https://static.tigerbbs.com/9ab3a9a7b4ee25699aa313cd759a0ca9","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582659672943747","idStr":"3582659672943747"},"themes":[],"htmlText":"我非常看好哈啰出行，跟我们的生活息息相关","listText":"我非常看好哈啰出行，跟我们的生活息息相关","text":"我非常看好哈啰出行，跟我们的生活息息相关","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":1,"link":"https://laohu8.com/post/108299277","isVote":1,"tweetType":1,"viewCount":2349,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":193386647,"gmtCreate":1620763089889,"gmtModify":1620763089889,"author":{"id":"3582659672943747","authorId":"3582659672943747","name":"底层逻辑","avatar":"https://static.tigerbbs.com/9ab3a9a7b4ee25699aa313cd759a0ca9","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582659672943747","idStr":"3582659672943747"},"themes":[],"htmlText":"水滴到底怎么了","listText":"水滴到底怎么了","text":"水滴到底怎么了","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/193386647","repostId":"2134682293","repostType":2,"isVote":1,"tweetType":1,"viewCount":786,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":107138857,"gmtCreate":1620450391979,"gmtModify":1620450391979,"author":{"id":"3582659672943747","authorId":"3582659672943747","name":"底层逻辑","avatar":"https://static.tigerbbs.com/9ab3a9a7b4ee25699aa313cd759a0ca9","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582659672943747","idStr":"3582659672943747"},"themes":[],"htmlText":"如果有机会，真想能成为水滴的员工！可惜年龄大了，50岁了！","listText":"如果有机会，真想能成为水滴的员工！可惜年龄大了，50岁了！","text":"如果有机会，真想能成为水滴的员工！可惜年龄大了，50岁了！","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/107138857","repostId":"2133500663","repostType":2,"isVote":1,"tweetType":1,"viewCount":939,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":107131061,"gmtCreate":1620450274853,"gmtModify":1620450274853,"author":{"id":"3582659672943747","authorId":"3582659672943747","name":"底层逻辑","avatar":"https://static.tigerbbs.c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