From last year’s 5.7% growth, Thailand’s life insurance industry’s premium income is forecast to grow by 6% to Bt600 billion (US$17.15 billion) this year.

As long as interest rates stay at their current low levels, association president Nusara Banyatpiyaphod said several firms will be focusing more on investment-linked products.

She added that the digital age will play a stronger role in the country’s insurance industry, resulting in simpler products that can be purchased via digital channels.

The low interest rates and digital platforms will ensure that the Thai insurance industry will continue to grow amid a slow economic recovery for the country.

 

泰国寿险行业保费收入2017年预计增长6%

2016年泰国寿险行业保费收入增长5.7%，2017年预计增速为6%，保费收入增至171.5亿美元。

泰国寿险行业协会会长Nusara Banyatpiyaphod表示，只要利率持续维持在现今低位，将会有更多的公司关注到投连险产品市场。另外，她指出，互联网将对泰国的保险行业发挥巨大作用，通过互联网人们能更简单快捷地购买保险产品。

持续低利率和互联网平台将保证泰国保险市场随着泰国经济复苏持续增长。

 

Indian banks seek cover against cyber threat

 

More major banks in India are looking for cover from the increasing incidence of cyber attacks.

In 2016, India lost US$4 billion to cybercrimes, with the figure hitting US$455 billion globally.

The country’s largest lender, the State Bank of India (SBI), is now planning to take cyber covers for customers after falling victim to cyber frauds late last year.

SBI managing director Rajnish Kumar told the Press Trust of India that the bank is awaiting a report from its panel of insurance advisers to determine the direction it will take.

As many as 20 state-owned lenders are seriously in talks with insurers for cyber cover while private sector lender Axis Bank has reportedly taken cyber insurance from HDFC Ergo.

New India Assurance chairman Gopalan Srinivasan said cyber threats on banks have been on the rise, which should prompt them to go for cyber insurance.

 

印度银行寻求网络保险来覆盖损失

随着网络攻击的增加，印度更多的大型银行正在寻求网络保险进行损失覆盖。

2016年，全球因网络攻击造成的损失达4550亿美元，印度市场损失40亿美金。印度最大的银行,印度国家银行(SBI),正在努力为去年年底遭遇网络诈骗的受害者寻求损失覆盖。

印度国家银行总经理Rajnish Kumar告诉记者，具体的方案和方向还要等待保险顾问委员会的报告确认。

Axis私营银行在报告中指出，已经和HDFC ERGO（保险公司）达成网络保险协议，印度近20家国有银行正在积极与保险公司交涉关于网络保险的相关合作。

印度保险协会新任主席Gopalan Srinivasan表示，网络犯罪对银行的威胁正在提升，这将促使银行更积极地寻求网络保险方面的合作。

AIG posts bigger-than-expected loss

 

AIG posted a loss bigger than expected for the fourth quarter of 2016 after a multi-billion dollar reserve charge that will cover possible future claims.

From US$1.84 billion or US$1.50 per share, the loss widened to US$3.04 billion or US$2.96 per share after the quarter’s operations.

AIG also raised its share buyback programme by up to US$3.5 billion.

According to the company, much of the loss was due to the reserve charge for long-term risks on US commercial insurance policies it has already written.

Last month, AIG decided to pay about US$10.2 billion to a unit of Warren Buffett’s Berkshire Hathaway to take on the bulk of the risk associated with those policies.

 

AIG第四季度财报公布——损失超预期

AIG公司2016年四季度财报公布其损失超预期，将用数十亿美金储备覆盖未来可能的发生的索赔。

财报公布后，AIG股价大跌。从每股损失1.5美元（18.4亿美金），扩大到每股损失2.96美元（30.4亿美金），为止跌势AIG也因此将股票回购额度提升至35亿美金。

据该公司介绍,大部分的损失是由于美国商业保险条款中对于长期风险损失储备金的规定所致。因此上月，AIG决定支付约102亿美元给沃伦?巴菲特(Warren Buffett)的伯克希尔哈撒韦公司（美国保险公司）来承担大部分的风险。

 

Global insurance rates continue to decline

 

Global insurance rates declined for the 15th consecutive quarter during the fourth quarter of 2016, according to Marsh’s Global Insurance Market Index.

The decline in the composite insurance rate in Asia, however, was more moderate on average than the global rate of decline.

Property insurance rates in the region also declined less than the broader global rate. Insurance rates in the region declined 3.1% in the fourth quarter from 3.2% in the third quarter and 3.6% in the second quarter.

The index, which is a proprietary benchmark of global commercial renewal rates representing the world’s major insurance markets and comprising 90% of Marsh’s premium, showed that the absence of significant catastrophe losses and a global market with substantial capacity triggered the global insurance rate decline.

Despite the continuing decline, Marsh said the fourth quarter completed an entire year in which the average rate of decline for global rates moderated.

 

全球保险费率持续性下滑

据达信（Marsh）全球保险市场指数（以下简称“指数”）显示，全球保险费率持续15个季度下滑。

亚洲市场复合保险费率、财产险费率下滑幅度要低于全球平均水平，下滑更温和。亚洲市场保险费率2016年第四季度下滑至3.1%，此前第二季度费率为3.6%、第三季度为3.2%。

达信全球保险指数代表着全球主要保险市场情况，是全球商业更新水平的参考线，包含了达信公司（Marsh）90%溢价。指数表明重大灾害损失的减少和全球市场的状况导致了保险费率降低。尽管持续下滑,但达信表示,该指数第四季度的下降和全球的温和下降率比较吻合。

来源：亚洲保险评论

Source：Asian Insurance Review